davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Public Title Services, LLC (FL)

On XXXX XXXX 2017, I was given a HUD report by a closing agency, XXXX XXXX XXXX, XXXX. This information was to be given to me three days prior to the closing of my home, but was only given to me the morning of closing. In the report there was one very large loan in the amount of XXXX missing, which I could have caught if I had the report in time. The closing company also gave an Attorney my settlement information which I asked that they not do. The attorney ended up getting most of the settlement. I had given the closing company all of my loan numbers two months prior to the closing date, but this one large one was overlooked. I was contacted by the company and wired the money back to them. I asked at the time if they had error and ommissions insurance and they said no. They then contacted my mother and harassed her in making sure I wire the money back. My mother is in the XXXX XXXX business. When I asked my seller Agent about the HUD paperwork prior to closing on three different occasions, she stated that she never gives the HUD to sellers, only buyers. Her name is XXXX XXXX of the XXXX XXXX branch of XXXX XXXX.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I had a medical school student loan which I had refinanced to XXXX XXXX XXXX XXXX XXXX. I had a terrible experience with the bank and the customer service. I immediately refinanced my loan out of that bank and the bank had stated they had charged off the remaining balance. The balance was paid in full before the charge off. This has affected my ability to get a car loan and mortgage on a new house.
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

My credit card payment from discover for {$6000.00} has not been credited to my bank of america credit card account. Bank of america cashed the check on XX/XX/XXXX which is endorsed on the copy of the check that discover sent me. I called XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. Bank of america would not open a claim until XX/XX/XXXX when I had a XXXX way call with XXXX. They refused to talk to discover directly I then called XX/XX/XXXX and they told me to call back following week to expedite the claim. I called back XX/XX/XXXX and they finally expidited the claim. I called XX/XX/XXXX and they said the claim was resolved on XX/XX/XXXX but the money still wasn't in my account so I was told it would be in my account in 2 days. I still don't have it in my account today so I called today and was told a letter was sent that they reopened the claim. This is unfair and they are making interest on this money and on me. I've wasted probably over XXXX hours on this. This is wrong and ridiculous that it is not solved yet.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (IL)

Want to sign up for Equifax 's TrustedID service for my wife and me. We have one -mail address and the TrustedID service requires an E-mail address as the user ID for  each person. Thus can only sign up one of us for the service with out opening another E-mail address just for this service. We would have to monitor the new E-mail address for any alerts. Since we would not use the new E-mail address we may not notice an alert in a timely manner. Equifax 's system ID requirements limit families from signing up for the service. 


What if you do not have an e-mail address? Are you unable to sign up for the Equifax TrustedID service?
Consumer complaint received 2021-02-09
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: HYUNDAI CAPITAL AMERICA (FL)

XXXX  is reporting a late charge off in the amount of {$280.00} from 2018 on my credit report. 
It shows as a negative item and it has affected my ability to refinance my house. 

I have contacted XXXX, the car dealership I leased my car and the financial company that reported me, and they both didn't fix the issue. 

I NEVER PAID LATE, I want PROOF from XXXX  and/or the financial company that I was late.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (KS)

XXXX XXXX XX/XX/XXXX XX/XX/XXXX Reported inquiry that was not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX DE XXXX
Consumer complaint received 2017-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (TX)

My XXXX reports show a {$4500.00} report on XXXX XXXX 2014 by MED DATA SYS And made my account negative. I do not owe any money to them. It is an is an identity theft. XXXX has been accepting alot of those collectors without verifying if i owe anything and my information is correct. Most of the collector info have about me does not belong to me.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MI)

I sent 2 letters to XXXX  & Experian asking for proof of debt from XXXX XXXX XXXX XXXX for {$2000.00}, the date opened XX/XX/2019. This is not my debt. I keep getting the same candid response that the debt was placed following FCRA guides. I requested the original documents to verify that this is my debt. Also, the 45 days that the credit bureau had to respond exceeded the time.
Consumer complaint received 2017-12-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Advance America, Cash Advance Centers, Inc. (KS)

CALLED XXXX XXXX AT XXXX AND LEFT THREATENING VOICEMAIL. SHE IDENTIFIED HERSELF AS COURT ORDERED OFFICER NAMED XXXX XXXX, SHE DID NOT IDENTIFY WHO THE CREDITOR WAS OR EVEN THAT IT WAS A CREDITOR JUST THAT CRIMINAL CHARGES HAD BEEN TAKEN ON ME, THAT IT WAS GOING TO BE MATTER OF PUBLIC RECORD AND THAT ALL MY LEGAL RIGHTS WERE FORFEITED. 
SHE THEN FINISHED THE VOICEMAIL WITH STATING THAT SHE WAS CONTACTING MY EMPLOYER AND WOULD BE THERE SOON TO COME AND GET ME AND NO MATTER WHAT I WOULD BE LOCATED AND IT WOULD BE AT MY JOB. 
I TRIED CALLING HER NUMBER BACK SEVERAL TIMES WITH NO ANSWER AND NO VOICEMAIL AVAILABILITY. 
I TRIED CALLING THE NUMBER SHE GAVE ME SEVERAL TIMES AND IT WENT TO A VOICEMAIL THAT WAS TOO FULL AND THEN SAID ERROR, SO NO WAY FOR ME TO LEAVE A MESSAGE. 
I CALLED THE COUNTY SHE SAID THAT THE ORDER HAD BEEN FILED AND ORDERED IN AND TALKED TO BOTH THE DISTRICT AND MUNICIPAL COURTS AND THEY BOTH HAD NEVER HEARD OF HER, COULDNT FIND A CASE WITH MY NAME ON IT, AND ALSO SAID THAT THE CASE NUMBER SHE GAVE ME WASNT EVEN IN THE CORRECT ALPHA-NUMERIC SEQUENCE FOR A CASE THROUGH THEIR COURT. 
SHE CALLED BACK ON XXXX XXXX AT XXXX XXXX AND I WAS ABLE TO ANSWER. SHE AGAIN DID NOT IDENTIFY WHO MY ACCUSER WAS ( EVEN THOUGH I TOLD HER I HAD CALLED THE NUMBER SHE HAD PROVIDED SEVERAL TIMES AND WAS N'T EVEN ABLE TO LEAVE A MESSAGE ), JUST THAT SHE HAD A COURT ORDER TO PICK ME UP. 
I CONFRONTED HER WITH THE INFORMATION THAT I HAD OBTAINED FROM THE COUNTY COURTS AND SHE RESPONDED, " THAT VERY WELL MAY BE, BUT YOU STILL HAVE 3 CRIMINAL CHARGES AGAINST YOU AND SHE HAD AN ORDER TO LOCATE ME AND WAS GOING TO COME AND GET ME IMMEDIATELY FROM THE ADDRESS ON FILE. " AND BEFORE I COULD SAY ANYTHING ELSE SHE HUNG UP.

THE NEXT DAY, I CALLED THE NUMBER SHE PROVIDED AGAIN AND THEY FINALLY ANSWERED AND IT WAS A REPRESENTATIVE FORM ADVANCE AMERICA. 
I HAVE HER ORIGINAL VOICEMAIL MESSAGE TO ME SAVED.
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TIDEWATER FINANCE COMPANY, INC. (TN)

I have two collections accounts that appear to be the same account on my credit reporting file from a collection agency named Tidewater Finance Company. The account numbers are as follows : XXXX. XXXX XXXX. XXXX I am disputing these collections due to the fact that Tidewater Finance Company XXXX XXXX XXXX XXXX , XXXX XXXX , VA XXXX does not currently have a valid license in Tennessee to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit files immediately.
Consumer complaint received 2021-02-09
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: National Collection Systems, Inc. (AZ)

I've went to the collection agency and disputed their claim under section 809 of the FCRA. I've sent a letter on two different occasions AND NEVER RECIEVED A RESPONSE BACK. This is a violation of the FCRA and the FDCPA. Why are these laws in place if agencies such as " National Credit MGMT '' aren't going to follow and comply with federal law? 

I sent mail to this establishment twice through the USPS postal service through certified mail. XX/XX/XXXX and XX/XX/XXXX One letter was signed for XX/XX/XXXX The other was signed for XX/XX/XXXX
Consumer complaint received 2017-12-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (SC)

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX, part of XXXX XXXX XXXX, on XXXX XXXX XXXX. I explained that I was in the process of moving from the XXXX area to XXXX XXXX. The salesman, XXXX XXXX, told us that would not be a problem. I took possession of the car, paid the XXXX  sales tax and was promised the dealer 's finance and title department representatives, XXXX XXXX and XXXX XXXX, would process the paperwork. It 's now been three months since the sale. I initially borrowed {$10000.00} which was paid off in full through their financing branch a month after the purchase. ( see attachment ). I 've paid all the applicable XXXX taxes and sent copies of the paid tax receipts to the individuals above. I 'm a XXXX XXXX resident and have sent a copy of my driver 's license for that state to XXXX along with all the other paper work they 've requested. Despite these efforts, I do not have a valid registration for the car nor do I have a title despite the car being paid off in full. The State of XXXX still has no record of my XXXX being registered. I can not register the car and I do not have a title despite paying off the loan if full. The car is not legal to drive since XXXX will not provide temporary tags beyond 60 days.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I, XXXX XXXX, am a XXXX helping a seller, XXXX XXXX XXXX, to sell her home. The mortgage company, Shellpoint, is not cooperating with the attorney with the needed documentation to facilitate the loan pay off process. The home being sold is a mobile home and the new lender requires the mobile home titles to be surrendered and the lien released within 5 to 10 days after closing. The seller filed bankruptcy and has already received bankruptcy approval to sell the home on XX/XX/2020. The original contract closing date was XX/XX/2020. The contract has been extended 3 times due to Shellpoint 's unwillingness to facilitate the necessary documentation for getting their loan paid off by XXXX XXXX XXXX. My contact information is XXXX XXXX, XXXX XXXX. The closing attorney 's contact information is XXXX XXXX XXXX XXXX. The attorney representing Shellpoint is XXXX XXXX XXXX XXXX. The loan number with Shellpoint Mortgage is Acct XXXX. Shellpoint 's website is shellpointmtg.com and phone XXXX
Consumer complaint received 2017-12-07
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. (GA)

I have been working so many time with the Credit Bureau about identity fraud on all three of my credit report summary. TransUnion, XXXX, and XXXX have on my credit report that I was an victim of identity fraud, but I have alerts coming to my email address to let me know that someone have use my Social Security number. The creditors should be calling me to verify that I 'm the person that is making the inquiry on my credit report. I never receive a call from the creditors about opening up new credit or etc. I have been calling the Credit Bureau about taking the inquiries off my credit report, but every time I talk to a rep the issue never get resolve. All three credit bureau on an police report on file about me being an victim of identity fraud. I need the following hard inquiries off my credit report, because of identity fraud : 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 ), and 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 ), and XXXX XXXX ( XXXX/XXXX/XXXX ). 

TransUnion : 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 ), and XXXX XXXX ( XXXX/XXXX/XXXX ). 

Need to have these items removed off my credit report or I will file a lawsuit all three credit bureau for not following through with a victim for preventing identity fraud.
Consumer complaint received 2020-04-24
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. (AR)

I received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving the letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw accounts that I never open and several bankruptcies under my name. These accounts and bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report.
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In XXXX of XXXX I was approved for a loan modification with XXXX XXXX. I paid all 3 trial payments. On the XXXX payment I called XXXX and they told me my file had been transferred to SPS. I called SPS and they had no record of the mod and told me I had to START THE PROCESS ALL OVER!! The previous process took months almost a year so as you may understand I was devastated beyond belief!!! I knew I had been wronged but could not figure out who I needed to speak to in order to help me. I called profusely to SPS, XXXX, XXXX, I reached out to XXXX, etc. Nobody could help. Well, let me tell you last week I was BLESSED! I finally after 4 EXHAUSTING LONG YEARS spoke with XXXX. She helped beyond belief. She was a rep in the Loss Mitigation department and she blew the roof open!! She went back to XXXX to see what happened. She found out that XXXX did not send the paperwork over until XXXX or XXXX of XXXX. Therefore, when SPS finally received the mod docs they stated to me, " OH SORRY THE DOCS EXPIRED! '' I WAS LIVID!!! Because at this point SPS would not honor the mod. I was wronged and have been fighting ever since. I worked in a call center for XXXX to see what happens behind the scenes of a mod process. Much to my dismay I realize that docs are not package properly, you have new employee 's on the floor that just start the process then quit, you have hourly workers working on your file and customer service reps who read notes on a screen and do not assist because they have no actual file in hand. I have ran the NPV tool on many borrowers and understand the process. When someone ran the NPV tool on my file they stated I made XXXX per month when in actuality I sent a pay stub in for XXXX. Needless to say ... .I WAS  DECLINED! Also, I had a case where SPS is stating they are missing docs from my file and declined me because of it. I happen to know first-hand that all companies ( call centers ) say the same thing! They are unorganized and blame the general public for not sending in documentation when all the while it 's their internal process. MILLIONS of people have gone to foreclosure because of mishandled documentation by call centers. ( I refuse to call them BANKS ) as most people are ignorant to the fact that they are speaking to hourly workers who do n't even own homes. 

I have put my complaint into XXXX and into SPS for the improper handling of my file. There was a 42 page piece of XXXX report that was written by a woman at SPS with my last complaint to the CFPB. I had no ammunition last time and did not know what happened. However, this time XXXX at SPS ( in Utah ) helped me tremendously. She read the notes word for word on what happened and I found out the dirt and why I did not received my paperwork. SPS has tried to get out of honoring my loan mod by making up accusations, but XXXX blesses those who do right. I was wronged and I am here to tell the public that we need to stick together and do what is right for this Country!
Consumer complaint received 2017-12-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

My credit was spotless until I cosigned a new car loan for my son this Summer. I insisted that the lender, Toyota Financial Services. must notify me if a payment is ever late PRIOR to negative impact ( ie, 30 days past due ) .. The lender agreed according to the dealership salesperson.

One day, I received a voicemail message from a Toyota collector. My son had let a payment go past due. I finally managed to gain access to the portal online by threatening my son. I called Toyata and spoke to a lady who told me I can not do anything about notification or account access. She further explained there was nothing she could do to remove the negative information from my credit reports. I then asked her if she could put on my account to call me if the loan was ever late again and she said she COULD NOT!!! She could only notify me once it went past 30 days. So how am I responsible and get negative hits if I can not access the loan or demand to be notified?

( I also think the message I was left by Toyota is very vague and impossible to understand. I literally can not understand the call back number the caller left me. I have uploaded the recorded voicemail she left. )
Consumer complaint received 2017-12-08
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. (NE)

My name is currently attached to a loan that I did not agreed to or sign for. My signature is not on the promissory note they have on file. I filled out a Fraud packet with XXXX XXXX XXXX and they rejected it to stall the process. I have spent over 2500 hours of phone time with XXXX over the past 11 years and they still refuse to deal with the matter. XXXX XXXX XXXX is the originator of the loan. They took my information from an account I had with them and attached to a loan. They sold it to XXXX XXXX XXXX and now XXXX XXXX XXXX. I continue to have my credit affected and I need the matter resolved. This is my 12th CFPB Complaint about the matter and still nothing is done. I have contacted two state governors and two state AGs but they pass the buck to the CFPB.
Consumer complaint received 2017-12-08
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 (NE)

My name is currently attached to a loan that I did not agreed to or sign for. My signature is not on the promissory note they have on file. I filled out a Fraud packet with XXXX XXXX XXXX and they rejected it to stall the process. I have spent over 2500 hours of phone time with XXXX over the past 11 years and they still refuse to deal with the matter. Bank of America is the originator of the loan. They took my information from an account I had with them and attached to a loan. They sold it to XXXX XXXX XXXX and now XXXX XXXX XXXX. I continue to have my credit affected and I need the matter resolved. This is my 12th CFPB Complaint about the matter and still nothing is done. I have contacted two state governors and two state AGs but they pass the buck to the CFPB.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing to express my extreme dissatisfaction with the inaccuracies found on my recent investigation of my credit report. The discovery of unverifiable, invalidated, and inaccurate items has caused severe distress and emotional hardship. 

It is imperative to note that under the Fair Credit Reporting Act, all information reported on my credit profile must be 100 % accurate. However, the items in question appear to be in direct violation of this requirement, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 

Your agency has a legal obligation to ensure the accuracy of the information it reports, yet it is evident that this standard has not been met in my case. I demand immediate action to rectify these discrepancies and bring my credit report into compliance with the law. 

Enclosed with this letter are copies of all correspondence previously sent regarding these matters for your reference and review. 

I expect a thorough investigation and prompt resolution of this dispute. Failure to address these issues satisfactorily will leave me no choice but to pursue further legal action.