davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc. (OR)

I have a medical debt that was turned over to Professional Credit. I made payments arrangements with them, I was never informed that they would continue to charge interest. I have made these arrangements and have not paid late according to our arrangement, but they continue to report to the credit bureaus that Im late. I have upheld my agreement. When I complained that they arent upholding their side, they told me I have to call them. When you call, you are put on hold for hour ( s ) and then hung up on before you can even begin to tell them what is happening. Ive never received anything by mail like I asked. I have no issue paying the debt as agreed, I just want them to uphold their end as agreed. Thank you for your time.
Consumer complaint received 2019-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (IL)

American Express markets the American Express XXXX Business Credit Card as {$95.00} per year with a benefit of receiving 1 Free Nigh Award on your Card account anniversary. However, American Express has changed their terms and conditions to state that the benefit will be issued XXXX after the card account anniversary at which time the customer is also responsible for paying an additional membership fee of {$95.00}. This fee is not refundable after 30 days of being issue thereby requiring the customer to spend {$190.00} to obtain a benefit for the prior year which is false advertising and consumer fraud. 

Description Per Amex Website : Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $ XXXX in purchases on your Card in a calendar year. Awards can be used for one night ( redemption level at or under 35,000 XXXX XXXX points ) at a participating hotel. Certain hotels have resort fees.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Account # : XXXX XXXX XX/XX/XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Certified Return Receipt # XXXX Re : Late Payments Dear Capital One, I have been a loyal and proud consumer of Capital One products and services for over 20 years. With that being said, I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to ( 15 USC 1666 ( B ) ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( B ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Pursuant to ( 15 USC 1602 ( L ) ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
With regards to ( 15 USC 1602 ( L ) ) there is no such thing as a late payment because the account was paid in full the moment my credit card ( My SSN card ) was accepted. 

I NEVER DELIVERED, Capital One or XXXX any written instruction to furnish any information on my consumer report which is a violation of ( 15 USC 1681 ( B ) ). Capital One and XXXX has caused severe stress, XXXX  & financial hardship due to the abusive and unfair practices. 

The good thing about being a loyal Capital One consumer of the products and services offered is that in the past when I had issues in relation to my accounts, Capital One has gone above and beyond with excellence customer service to provide me with resolutions that were favorable. I feel comfortable saying I know this situation will be no different! 

These accounts are listed with late or missed payments and that is incorrect. The following account were NEVER late and should be listed as PAID or PAID AS AGREED : Personal : XXXX I was never late on ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) on this account please update the account as Paid/Current. 

By the provisions of the Fair Credit Reporting Act, I request that these items be investigated and removed from my report, and I request that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that XXXX will recheck these items with the Capital One who has posted them. 
Please remove any information that the creditor can not verify. I understand that under ( 15 USC 1681 ( I ) ( A ) ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards, XXXX XXXX : XXXX XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2020-11-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: John C. Heath, Attorney at Law, PLLC (MO)

XXXX I received and email saying " After sending you the several Emails, We have not received any response from your side ; it seems you are clearly avoiding this legal matter. 
This is the final notification from our side to let you know that your case will be filed by next week. 
Kindly get back to our manager XXXX XXXX ( XXXX ) and let us know if you want to settle this case out of court '' I responding asking for proper documentation because this does not sound like its my debt. Instead of them sending me documentation they keep threatening to sue. 

they also gave me this explanation of who they are : " XXXX XXXX XXXX is a parental Payday loan company which owns and operates on more than 350 payday loan websites like XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX etc. We are talking about the loan amount of {$300.00} that you took from the company
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST REPUBLIC BANK (CA)

I filed an application for 2 loans with First Repbulic Bank in XXXX XXXX. This was for 2 income properties, one XXXX XXXX  and XXXX XXXX. Both properties are based in XXXX XXXX. 

When i applied for the loan i never received any estimate on the costs associated with the loan until about 1 hour before the Title company was coming to have me sign documents. 

This was a clear violation to RESPA-TILA. I would like to discuss further how to escalate this complaint.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello! My identity was stolen from me and I noticed alot of fraud on my credit report. I have filed for Identity theft. Please help me by removing the accounts from my credit report. I have attached my Identification accompanied with my federal trade commission report. This is a serious matter as I can't move on with my life.
Consumer complaint received 2020-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MD)

XXXX XXXX XXXX is attempting to collect a debt on behalf of XXXX XXXX that does not belong to me. The account number is XXXX. According to Transworld Systems , Inc., XXXX is reporting this account to the credit bureau. I have never lived in Texas nor have I done business with XXXX XXXX or XXXX XXXX.
Consumer complaint received 2017-12-13
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LOAN TO LEARN (IL)

I have a defaulted student loan through Loan to Learn. A recent hit on my credit report indicates that this loan is in collection ; however, there is no contact information listed for the collection agency. The loan amount is listed as XXXX with a balance owing of XXXX and outstanding balance of XXXX. Further, the only contact information listed is the original lender Loan to Learn for which the phone number is out of service and the website for which has not been updated since XXXX. The address listed is XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX Virginia zip code of XXXX. The out of service phone number is XXXX. No collection agency has made any attempt to contact me regarding this debt, though they are reporting the balance as outstanding through credit reporting agencies monthly since XXXX XXXX. As such, I have no way to rectify this debt. I have no company to contact through phone, email or website. I have no ability to dispute the debt amount or to confirm the origins of said loan. My credit report is suffering and I have to way to make this right. Please let me know what will be done in response to this complaint.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

After viewing my credit report that was received via mail from Equifax. I observed a statement listed in reference to an account that is no longer on my credit report due to fraud. I am requesting for that statement to be deleted in reference to XXXX XXXX. That account has been deleted as should. Due to being a fraud victim I am requesting for my credit file statement to inform creditors to contact me at the contact number provided on my credit report before extending/ verifying credit. Please list the contact number so creditors can contact to verify my identity. The contact number can be found in this dispute or on the document attached.
Consumer complaint received 2017-12-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

I bought a truck with Toyota and the loan came from Toyota financials. I have always pay ahead to have the truck pay sooner but from the beginning if I enter any additional amount it will not go to the principal of the loan but only to the adding of the months so that place my acct a year ahead of payment but it was not reducing my principal. After talking to them they advice me the only way to get the totals reduce from the principal is to send money order or check with the acct # and stated principal only. Witch I did I have send four money orders with the info on them and specifically stated to place on the principal. But now I do n't see my balance going down but is the same and the posting on there is almost two weeks difference every time I talk to them there is always an excuse or that the percentage is correct. I have paid more then XXXX XXXX dollars and they are still keeping the interest no matter the total being lower and my payments are not being posted correctly.
Consumer complaint received 2017-12-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Law firm illegally removed funds and placed hold on remaining funds in 3 of my Bank of America accounts. Two accounts were IRA and XXXX rollover accounts and the third was my personal checking account. This will, also, affect my taxes due to the IRS for XXXX. 
There was one non-refundable processing fee. I am involved in guardianship case # XXXX in XXXX County, XXXX, Texas in XXXX XXXX XXXX 's probate court # 2. He did not authorize this action to be taken by the attorneys so I assume bank was given fraudulent documents by attorneys of the XXXX XXXX, XXXX XXXX XXXX, specifically being XXXX XXXX XXXX and XXXX XXXX XXXX who represent my brother XXXX XXXX XXXX who opposes me in guardianship case of my mother XXXX XXXX XXXX which he filed application for XXXX/XXXX/XXXX. I filed for guardianship in XXXX XXXX and this law firm has since that time waged an unethical, illegal campaign of retaliation and ongoing witch-hunt against me for their stated purpose of wearing me down by taking funds I need to hire legal representation for myself and cause me to fear lack of funds to even pay for my and my family 's basic needs such as food, clothing, bills, etc.
Consumer complaint received 2020-11-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (FL)

A checking and savings account was opened in my name at a suntrust bank from online. I Have never had any type of account with SUNTRUST BANK! NEVER! How i found out i went to my old address to check mail box because my family and i just moved about three weeks ago and all of our mail have not been forwarded to our new home. So when i checked the mail i had a letter from Suntrust Bank with a debit card. I contacted Suntrust customer service spoke with a rep on the phone who got my personal info to verify and was told a checking and savings account was open in my name online and the only thing he could of tell was it was open this month XX/XX/XXXX. XXXX the Rep he couldn't tell us the exact date only the month. That i have to to a branch to get the info that inquired from the actual bank. To no avail so i had the account closed immediately. Went to Suntrust Bank today XX/XX/XXXX and was told they can't give me any information and that the account is already closed. They took my email to inform if anything else happens.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion XXXX XXXX are in violation According to 15 USC 1681i, TransUnion and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. They have inaccurate and inconsistent information and as well XXXX is reporting the account twice while TransUnion has the account with no account number and has the account status as an OPEN account as well as an CLOSED ACCOUNT. They are in violation evidence provided below for US DEPT OF EDU Acct # XXXX & XXXX for TransUnion
Consumer complaint received 2020-11-30
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 (NJ)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, BK OF AMER add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: UNITED GUARANTY CORPORATION (FL)

On XX/XX/2020, we respectfully served XXXX XXXX  XXXX XXXX, owned by parent company United Guaranty Corporation with a RESPA inquiry, see attached proof herein. Under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ), a loan servicer or financial institution must provide consumer acknowledgment of request within 5 business days of receipt. 

As of today XX/XX/2020, the company XXXX XXXX  XXXX ( owned by United Guaranty Corporation ), have failed to even acknowledge our request. This is a clear violation of RESPA under section 6 of the Real Estate Settlement Procedures Act. 

We are asking for a copy of the HELOC loan note. Under Florida statutes we have every right to make such servicing request. We have no idea who the company is and how they obtain our account.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (FL)

I've contacted each service that's furnishing inaccurate information thats being shared on my consumer report. I made them aware that i did not authorize nor consent to the following names, addresses, phone numbers, employers, inquiries and collection being fraudulently reported on my consumer report. 
According to 15 USC 1681E ( B ) states 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. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Lil' Wave Financial, Inc. (CA)

I have been asking for a payoff demand and I did receive them. However the payoff demands are for XXXX and for XXXX and the month of XXXX the payoff demand is higher than the payoff amount in XXXX. I have been approved for a loan and are waiting on the updated payoff demand since XX/XX/ that was requested via fax and email and we are yet to receive the payoff demand. Escrow is unable to move forward with anything without the payoff demand. I have a trustee sale date of XX/XX/ which is why we call and email daily asking for a payoff demand and we are yet to receive it. I believe the lender and the servicer are purposely holding my payoff demand. I frankly believe they are wanting to foreclose on my property without giving me a chance to pay them off in full. All I need now is my payoff demand and an additional 15 days to closed escrow properly. I am asking that the trustee sale date is postponed for 15 weekdays to ensure everything is done properly since providing a payoff demand has delayed this long.
Consumer complaint received 2021-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CO)

Equifax has been placing negative items on my credit report and it's making my score go down. I've tried contacting them to let them know that those negative items are not mine and they refuse to remove them. I was denied a house loan because Equifax is reporting false late payments from these accounts that are not mine. I called both companies which are World finance and Security finance to find out more information about these false credit lines and neither company can find me in their system. They are not able to find me with my social security number, name, date of birth or address. I've informed Equifax and still, they have refused to remove them. I asked them if they sent the dispute to both companies and a gentleman told me that they had sent out a dispute on XX/XX/2021. I called both companies to verify if what the gentleman told me was true, unfortunately both representatives from both world and security finance told me that information was incorrect. I called back on XX/XX/XXXX, XXXX and XXXX and still neither company hadn't received a dispute from Equifax. I want more information on seeking legal reparations from Equifax for the harm they have caused me.
Consumer complaint received 2021-04-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (TX)

We contacted PHH on multiple occassions to obtain a payoff. They finally after multiple times provided a payoff for XXXX & XXXX. Which delayed our closing until XXXX. However, we had to pay the whole {$2700.00} in interest for 31 days and they state that according to fha rules they must collect the whole month in which i know that is the case but during a payoff why should they be able to keep those funds when it when we closed on XXXX? I know there were several law suits in the past over this. I was already very disappointed in them because for over a years time we sent in for requests and forms to stop charging pmi on our loan. They continue too state that we had to submit a request annd send in a form. We did this multiple times which cost us over {$200.00} mo. They blamed some on covid but i dont believe that every time my form was lost.