davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-11
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Stewart Information Services (CO)

First of all I am a widow and XXXX. my daughter came to visit me in XXXX and suggested I come to XXXX to live with her in the winter due to my XXXX. I agreed. I packed up my things but first went to visit her. She showed me a new home she wanted to buy saying it would be closer to her job. The closing took place during my visit and to my surprize she produced a gifting letter and insisted that I sign it. Well i wasnt sure what it was but she insisted again that it was noyhing for me to worry about. Promised her taxman would help avoid taxes and she promised to pay it back. Are you getting where this is going? I signed it. I headed back to XXXX and before I even got off the plane here comes her text messages saying she didnt think it would work out. I said ok but I have to get my money back. Time went by. She did send me {$500.00} and that was it. I did contact the closing company and they were not so nice and said too bad its a done deal.She actually was personal friends with the closing man. It totals to my loss as {$11000.00}. Is there any recourse besides civil court I can take. It was all the money i had and now she has me blocked and no communication at all.I am devistated and broke. Isnt there some sort of elder abuse or misrepresentation orfinancial exploytation in this mess. I cant seem to get any help ;
Consumer complaint received 2017-05-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

the company is trying to collect on a debt that is related to a repossession that occurred sometime in   XXXX  . As I am sure you are aware, Virginia contains statutes of limitations for written instruments including debts. The time period to collect this debt has passed.   Please remove the debt as collectible.
Consumer complaint received 2019-03-19
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: Resurgent Capital Services L.P. (FL)

On XX/XX/2017 I had sent a letter ( attached ) to XXXX XXXX XXXX  ( the original creditor ) to dispute the derogatory statements on my credit report which was hampering my ability to obtain an approval for home loan through XXXX XXXX XXXX XXXX. This action did not result in the desired action from the company. 
I had then sent a letter to the FTC who then escalated it to the OCC who then had XXXX XXXX XXXX   remove the derogatory statements from my credit reports. 
For reference my original complaint to the cfpb : Complaint Number XXXX ( attached ) was regarding the original creditor who has sold their accounts to LVNV, LLC the current owner c/o Resurgent Capital Services. 
I have also attached the XXXX XXXX XXXX XXXX  sent to me from XXXX XXXX XXXX  proving that this account is not mine.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NC)

My mortgage is serviced by XXXX XXXX PHH Mortgage Services. I have been attempting to make a payoff payment, but the practices of XXXX and/or PHH Mortgage Services is preventing me from doing so due to : 1 ) The online payoff payment statement functionality is broken, producing an error. There is no way for me to obtain this through the self-serve options online. 
2 ) I called the telephone servicing representative and informed them to send me the payoff payment statement. The representative has no capability to deliver this information directly over the phone ; it is only available via fax and postal mail. I requested the information both via fax and mail, but also experienced issues 3 ) The fax was never received 4 ) I informed the phone representative that the property address they had on file was incorrect due to a misspelling in my street address. That spelling mistake was never corrected. I believe that due to this, I have not and will not receive a payoff statement via mail The practices of these two companies result in continued interest compounding on my mortgage and I have no way to make a payoff payment.
Consumer complaint received 2022-04-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi my name is XXXX XXXX im a victim of identity theft.I checked my credit report and found account that I didn't recognize and I tried to contact creditors and found out they have wrong or previous address that I resided on.But after dispute the information came as accurate so I went ahead and sent them an rental agreement proving for the date x to date x I was living in different address and by FCRA law 605B they have to stop reporting and bureaus start blocking these account.There is a car loan also on my credit report that was fraudulently taken out under my and my moms name.For XXXX XXXX there are XXXX account all XXXX are fraudulent.
Consumer complaint received 2019-06-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (VA)

XX/XX/19 I RECEIVED A CALL FROM SOMEONE CLAIMING TO BE A LEGAL ASSISTANT FOR CREDIT ACCEPTANCE CORP. THEY ASKED ME TO VERIFY MY NUMBER AND SOCIAL SECURITY NUMBER, AND ADDRESS. THE LADY SAID THAT THERE ISN'T A DEBT IN THERE SYSTEM BUT THERE IS A DEBT ON MY CREDIT REPORT FROM THEM. THE PERSON ON THE PHONE WAS A FEMALE AND SHE SAID THAT SHE WORKED FOR CREDIT ACCEPTANCE. SHE ASKED FOR MY SOCIAL AND I REFUSED TO GIVE IT TO HER. I HAVE A COPY OF MY POLICE REPORT AND CREDIT REPORTS WHERE ITS ON IT. I'M CONFUSED ON WHATS GOING ON AND SOMEONE HAVE OBVIOUSLY STOLE MY INFORMATION OR GOT SOMETHING INCORRECT, THERE IS AN ERROR ON MY REPORT AND I DON'T WANT TO BE HELD ACCOUNTABLE FOR SOMETHING I DIDN'T DO. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I DON'T KNOW WHY THE LADY ASKED FOR MY SOCIAL AND WHY IS IT ON MY CREDIT REPORT. I HAVE WITNESSES OF THE CALL AND SITUATION AND IT IS ON MY CREDIT REPORT ILLEGALLY.THEY SAID THEY WILL BE SENDING A FORM, AN IDENTITY AFFIDAVIT. SOMEONE ALSO REQUESTED CREDIT ACCEPTANCE INQUIRIES ON MY REPORTS.
Consumer complaint received 2019-06-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

My name is XXXX XXXX XXXX and my dad passed away XX/XX/2018. He left behind a mortgage with ditech financial. My dad was current on his mortgage when he passed. I took over the mortgage and I fell behind and I called the company in XX/XX/2018 and requested help and a nice guy name XXXX assisted me. I later became behind again due to me having my own bills. My dad percentage rate is a 13 % and I was told to apply for a modification. I was told that I had to be living in the house hold. I told them that I wanted to assume the mortgage and they emailed me the forms along with all of the required documents. I provided a recorded Quit Claim and they stated that the type of loan he had. I could not use it until the property was in my name. I had waited for almost two months and they finally stated that no one opened the account and they apologized. the representative then stated that they would have the case escalated. I waited several weeks and received a letter stating my case was denied for failure to provide all documents. I was very furious because I had sent all documents and my case was overlooked and now they want me to reapply and provided all documents and they want to run my credit again and I don't think this is fair. I would like to get my payments current and have my interest rate lowered and I would like them to reopen the case. The deceased name is XXXX XXXX XXXX and the account number is XXXX and my number is XXXX. I look forward to hearing from the company really soon.
Consumer complaint received 2022-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (DC)

TD Bank has serviced my mortgage since XXXX of 2021. Unfortunately, TD tries to get mortgage customers to open savings, checking, or other accounts by making it extremely difficult to make payments online ( or access items like tax forms ) if you only have a mortgage account. In fact, I couldn't even establish an online login without help from TD customer service ( the website wouldn't set up a mortgage account login without another TD account ). 

Apparently, if you have a TD savings or checking account, you can easily make your mortgage payment from your TD account or an outside account. If you only have a mortgage account though, you need to enter all of your information each month : checking account number, routing number, email, etc. To make even tougher, the website won't let you paste in your checking account number. You have to type it out twice each and every month. 

As a TD mortgage customer, I should be able to make online payment easily. It's wrong that TD tries to nudge you into opening other accounts by making the process difficult for mortgage-only customers. To me, this seems as bad as what XXXX XXXX used to do in making customers open multiple accounts. This is just another form of that, and it's shameful.
Consumer complaint received 2022-04-03
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: TD BANK US HOLDING COMPANY (CA)

Hi my name is XXXX XXXX XXXX writing regarding identity theft that occurred.I was recently checking my credit and found account that don't belong to me.I tried to fix information with credit bureaus and some creditors.I found out that some creditors have incorrect information.Fraudsters used my previous address and apply for cards and I sent them proof ( rental agreement ) that from X Day to X day I was living in this address.
Consumer complaint received 2022-04-03
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: BMW Financial Services NA, LLC (CA)

Hi my name is XXXX XXXX XXXX writing regarding identity theft that occurred.I was recently checking my credit and found account that don't belong to me.I tried to fix information with credit bureaus and some creditors.I found out that some creditors have incorrect information.Fraudsters used my previous address and apply for cards and I sent them proof ( rental agreement ) that from XXXX XXXX to XXXX XXXX I was living in this address.
Consumer complaint received 2017-05-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc. (CO)

A medical debt was obtained by N.A.R. North American Recovery from XXXX XXXX XXXX XXXX Hospital and was billed to myself on XX/XX/XXXX for the amount of {$530.00}. I was next billed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX acting on behalf of N.A.R. for the amount of {$550.00}. I contacted XXXX XXXX XXXX onXX/XX/XXXX and was told my account balance would be {$710.00}. I asked for an explanation or summary for charges at the time and was told " they could n't disclose that until the bill was paid in full. I reluctantly paid the full amount of {$710.00} which processed onXX/XX/XXXX by N.A.R. I asked for a summary to then be sent to me for viewing. The summary arrived quickly on theXX/XX/XXXX, however, did not state anything except that it was paid and the amount. I called N.A.R. on XXXX XXXX to ask for a summary or explanation of charges and was transfered to XXXX XXXX XXXX. I was told the charges added were for the summons that had been prepared by their law office. I asked the legality of adding fees being collected by a debt collector, and was told I had signed an agreement at the hospital on the date of my accident that I would cover any and all legal fees associated with this bill. My question would be is this a valid charge for interest & legal fees?
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On my credit report both trans union and XXXX both have XXXX of the same thing on my report ..they are hard inquires for the same car some are done on the same day..I bought a car in XXXX XXXX ..there are XXXX hits for that XXXX car?? Should n't there only be XXXX? Also I bought another car XXXX XXXX there are multiple hits for that same purchase done in the same week.. Please advise me on what I can do if I can do anything?
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

THIS IS NOT A DUPLICATE COMPLAINT. THE COMPANY DID NOT FOLLOW THROUGH AND REMOVE THIS FROM MY CREDIT REPORT AS THEY STATED THEY WOULD DO, Case number : XXXX. XXXX XXXX posted the resolution that they would credit the account {$270.00}. and XXXX the balance. They would also remove this from my credit record. Although they got the facts of the case wrong, I agreed to the resolution. Then I get a letter stating that were going to credit the account in the same amount and remove this from my credit report, but I was responsible for the balance. I called the executive offices and was told that they needed to call me back. That call never came. Today I get a letter stating that the charge off was valid ( this case was never a charge off ) and that I owed them the total. This is indicative of how it is to deal with them. They never get anything straight and they conveniently leave out details that are important. I called them at least XXXX times to get this fixed. and medical records were faxed XXXX. I have a XXXX XXXX so there is no difficulty in providing records. XXXX XXXX left that out in the part on the public database and what was submitted to this agency. I believe they committed fraud, because they changed everything from the resolution they submitted to your agency.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Since XX/XX/23 I have been trying to get access to my savings account. I have provided them with my ID to verify my account.. even time I call I'm being told to wait XXXX business days. This situation has caused a lot of emotions stress and also finicial burden because I can't access my money. Every week when I get paid XXXX XXXX  is automatically taken out and put into my savings account for bills, food, and gas I have not been able to pay my rent or bills because I can't get access to my savings. I've been having to bother other people to let me borrow money just to get by. This is very unprofessional for a bank not to give me information on my account.. I " am very XXXX  furious due to this situation..I have made more then XXXX calls to get this situation resolved I spoke with supervisor XXXX, XXXX XXXX XXXX XXXX I'm being told the same story over and over eveytime I call. I feel like my money is being held XXXX I also feel like I should be compasated for this I'm wasting time and accumulated late fees because of this matter
Consumer complaint received 2022-04-03
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. (OH)

In accordance with the fair credit reporting act XXXX  Account name : 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 2 : Also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S. Code? 1692d-Harassment and abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You harming my reputation which is a violation.

15 U.S. Code? 1692e-False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. This debt is reporting falsely.

15 U.S. Code? 1692g-Validation of debts ( a ) Notice of debt ; contentsWithin 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 ( 2 ) the name of the creditor to whom the debt is owed ; I am the creditor under 15 u.s code 1692a so the debt is owed to me.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XXXX XXXX XXXX XXXXXXXX capital One closed and denied me access to both savings and checking accounts : checking : XXXX saving ; XXXX. 
I was not able to fulfill all my payments or my future planned purchases on time, which caused me more difficulties in paying for rent, food, items for my family, even my new car lease end, or plan to buy a new car.

After long calls finally got them to agree to close my savings account, then later a week on the XXXX XXXX XXXX they sent me a notification account was closed.

still till today XX/XX/24 no check has been received by them. 

I have over XXXX in savings and XXXX in checking I wanted to send my savings but they denied me every time I made a phone call. now I have decided to sue them for financial damage with your help so I can build a case if they refuse to pay those XXXX dollars in damage.
Consumer complaint received 2022-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear CFPB I submitted a dispute previously, but I did not hear back from Transunion about this. 

There was a loan opened with XXXX in the amount of {$370.00}. 
Transunion shows that it was opened on XX/XX/XXXX, but XXXX is reporting that it was opened on XX/XX/XXXX. This shouldn't be. 
The status dates and late payments are not 100 % accurate as well. Transunion doesn't consider this account negative, but XXXX does. 

There are also inquiries that are inaccurate on my Transunion profile. I would like for these to be removed from my profile ASAP. Enclosures have been attached : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This CFPB Complaint serves as a follow-up to my previous CFPB Complaint, requesting that the Credit Reporting Agencies investigate and remove the account that resulted due to erroneous activities. On XX/XX/2023, I sent a dispute letter to the Credit reporting Agencies to have this erroneous and damaging account removed from my Credit File. In that letter, I attached a copy of my personal identifying document to prove that it was I who submitted the request. I requested the Credit Bureau to thoroughly investigate the following account and have it removed from my Credit File in accordance with the Fair Credit Reporting Act : XXXX XXXX  XXXX XXXX XXXX : XXXX. This account is clearly erroneous and misleading and must be removed from my Credit file, the sooner the better. I have attached the letter I sent on XX/XX/2023, for I fear that the letter I sent would not be received by the Credit Bureau. This complaint serves as my assurance for the Credit Bureau to receive the letter.
Consumer complaint received 2022-04-03
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: Bread Financial Holdings, Inc. (CA)

Hi my name is XXXX XXXX XXXX writing regarding identity theft that occurred.I was recently checking my credit and found account that don't belong to me.I tried to fix information with credit bureaus and some creditors.I found out that some creditors have incorrect information.Fraudsters used my previous address and apply for cards and I sent them proof ( rental agreement ) that from XXXX XXXX to XXXX XXXX I was living in this address.
Consumer complaint received 2022-04-03
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: TD BANK US HOLDING COMPANY (CA)

Hi my name is XXXX XXXX and im a victim of identity theft I recently checked my credit and found a lot of account that does not belong to me I contacted some of the creditors and investigation came back that information is accurate I also talked to credit bureaus and notified them.Upon talking to some of the creditors they provided me the address that has been used to open the account and those addresses emails that they have on file are my previous addresses phone numbers and emails or they don't even belong to me ( some of them ) I sent them my rental agreement as a proof that the dates that fraudsters applied for the card I was living in different address.