davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CT)

Have been charged Late Fees repeatedly month after month for payments that were set up directly with my financial institution and this credit card company was not applying my payment in a timely manner causing a late fee EVERY month. I verified with my financial institution the account number and remit address, both were correct and the payments were mailed in enough time to be received by due date.
Consumer complaint received 2021-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX. XXXX XXXX XXXX Date Opened XX/XX/2004 XXXX XXXX
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/XXXX I received a call from XXXX at Transworld Systems ( XXXX ) indicating she was attempting to collect a debt from me for XXXX XXXX XXXX XXXX. When I asked her what the debt was she could only tell me it was from a service date of XX/XX/XXXX for {$60.00} and occurred in the state of Arkansas. I explained to her that I lived in Texas and not Arkansas. She could not tell me anything else about the debt. She suggested I call XXXX XXXX XXXX XXXX directly ( XXXX ) .I called on the same day and was told the debt was for a nebulizer for a patient named XXXX . I explained I did not have a child named XXXX. The medical claim was under " XXXX XXXX ''. I further explained that I had never lived in Arkansas and this was not a claim related to any medical care my children had received. The plan was to notify Transworld Systems this was a false claim. Today (XX/XX/XXXX ), I received another call from XXXX at Transworld Systems trying to collect on the debt. I explained to her what happened on XX/XX/XXXX but she stated they had not heard from XXXX XXXX XXXX XXXX. I felt somewhat threatened by her as she stated this would show up on my credit report if I did not pay the claim. When I said I was not worried about that she said " you should be '' and then she ended the call abruptly. I then called XXXX XXXX XXXX XXXX and spoke with XXXX. She did say that on XX/XX/XXXX they sent an email to Transworld Systems requesting to close out this case. XXXX did tell me that the patient did have XXXX XXXX. I also have the same insurance provider but claim had a different policy number on it. XXXX sent another request today to Transworld Systems asking them to close this case.
When I review my phone records, I can see Transworld Systems began calling me onXX/XX/XXXX ( XXXX ). I did not answer that call as I was on vacation and did not recognize the number. They did not leave a message. They called again on XX/XX/XXXX ( XXXX ) and did not leave a message. They called again on XX/XX/XXXX ( XXXX  ) and did not leave a message. They called onXX/XX/XXXX( XXXX ) and did not leave a message. They called on XX/XX/XXXX ( XXXX ) and did not leave a message. I do not want to block these calls until I am certain this issue has been resolved.
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP (NY)

Ex wife opened up bank account fraudulently in my name as a means of retaliation for ending our relationship. She knows my social security number as well as all other information, her maiden name is XXXX XXXX. Her last known residence to me is XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. I believe this person has stolen my information and used it to open accounts fraudulently because she has made threats to do so in the past. First a key bank account was opened to commit unemployment fraud then an XXXX  checking out.
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2017-09-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (IL)

The car loan first appeared under XXXX XXXX XXXX XXXX after complaints it was removed from XXXX. The car loan shows up again under Wells Fargo Dealers Svcs I contacted them and sent my State License, Social Security number, and a light bill. They sent a letter to me stating : Wells Fargo Dealer Service has verified that the information being sent to the consumer credit reporting agencies on this account is accurate. Our verification is based on a review of our records, as well as the information for this account on file with XXXX, XXXX and the XXXX. It has been over a year since my first attempt to remove fraudulent loan that I did not take ou, I continued to inform all credit agencies mention above that I do n't own a vehicle and I have never lived in XXXX XXXX XXXX, IL and I do not have any car loans.
Consumer complaint received 2021-08-06
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)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown INQUIRIES on my credit report according to FCRA 51 USC 1681b ( 3 ) ( a ) I do not have any credit with these companies and have no knowledge of these INQUIRES, and to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes Section 611 ( a ) it is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those Items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by EQUIFAX DATA BREACH and may have got into the hands of the wrong person
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2024-02-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: ME Title Holding LLC (NC)

XXXX XXXX and XXXX XXXX Signed a mortgage with XXXX XXXX funding XXXX XXXX XXXX XXXX XXXX was named as Trustee and XXXX Mortgage electronic services was named as beneficiary ( see attached ). On XX/XX/2022, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transferred Plaintiff title to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as trustee for XXXX XXXX XXXX and the XXXX was listed as XXXX XXXX. The complainant then reached out to XXXX XXXX and asked if they granted title to such entity or Trust, and they stated that they did not. The complainant is now seeking on affidavit to remove the false filing from public record per North Carolina statute. By law XXXX XXXX  is the Truste per Complainant contract on line XXXX it states concerning Substitute Trustee : Lender may from time to time remove Trustee and appoint successor trustee to any Trustee appointed hereunder by an instrument recorded in the count in which this Security Instrument is recorded Without conveyance of the Property, the successor ' trustee shall succeed to all the title power and duties conferred upon Trustee herein and by Applicable Law '. Only the Lender can remove the Trustee. No such document was filed in XXXX XXXX North Carolina giving Trustee Service XXXX XXXX XXXX XXXX XXXX the right to foreclose or transfer title or ownership to complainant property. 
Before going out of Business for over a XXXX count of mortgage fraud, XXXX XXXX XXXX did not file any such document in public record stating that they have remove XXXX XXXX as trustee so by law XXXX XXXX  remains Complainant Trustee. see attached.
Consumer complaint received 2019-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX****,  XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX   XXXX****, XXXX XXXX****, XXXX XXXX**** and XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2017-09-21
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. (ME)

On XXXX I called Equifax to alert them that my credit file, which has nearly 30 years of history was now showing up as blank, my current address erased and a very old relative 's address was showing up, which I had disputed on XXXX as being inaccurate. At first they insisted that I had no credit history. A supervisor was able to find my previous dispute along with a copy of my drivers license and utility bill to prove my current address. Now almost a week later, the address is correct but my entire credit history is still missing. Additionally, because I was unaware of this issue, I applied for credit on XXXX and was denied because of " insufficient credit history '' This is a clear violation of the FCRA and equifax has take no steps to resolve this issue. I have been financially harmed by their lack of oversight and their employee 's lack of knowledge of their own operating systems.
Consumer complaint received 2017-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My wife  XXXX   XXXX  made a purchase on her Saks Fifth Avenue credit card in the {$200.00} on  XX/XX/XXXX . The credit card bill was paid in full on  XX/XX/XXXX  ( roughly one week later ).     Starting in  XXXX ,  XXXX , we began to receive calls from  XXXX   XXXX   XXXX  seeking payment owing to this purchase of {$550.00}. Through numerous phone calls, some of which were quite unpleasant, I was finally able to garner from them the origin of the debt as listed above. They were quite difficult to deal with, as they frequently sought confidential personal information that I was not willing to provide. They finally sent a copy of th e Saks stat ement, which I attach along with their cover letter, which shows that the balance was paid promptly and that the account has a zero balance.     Their representation was that my wife 's account, originally associated with  XXXX , was sold to  Capital One,  and then to their current client.     Upon discussion with them today, they again sought personal information, this time stating that they wanted the cancelled check as evidence that the debt was paid. Given that I have come to believe that this entity or whomever they represent is engaged in fraud, I am obviously unwilling to send them a document which would disclose my checking account information and my wife 's signature. Their statement was that if I sent the check, they MAY mark the debt as previously paid.     I have the cancelled check drawn on our joint  XX/XX/XXXX   XXXX   XXXX  checking account, which I would share with the CFPB, but am obviously unwilling to show to them. These are bad actors, who are obviously preying on consumers. My case is an obvio us one . .. they are trying to collect on a credit card account that their own information shows has a zero balance. This has to be illegal.     This group,  XXXX   XXXX   XXXX , or their client  XXXX   XXXX   XXXX  is obviously engaged in fraud of some type. While I am reasonably sophisticated and keep records, I am sure that many of their victims repay debts that have already been paid and/or give them personal information that they otherwise use for illicit purposes. I hope that you are able to take action against them.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2019-10-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

In XX/XX/2019, I applied for toyota mobility refund for almost XXXX. I was supposed to have check by mid XX/XX/XXXX. I asked for XXXX payment to be deferred until I got check. Check never come. I called toyota XX/XX/XXXX and they told me they lost my paperwork and had me reapply. I did that XX/XX/XXXX. On XX/XX/XXXX, they sent me a case number. I then asked for XX/XX/XXXX to be deferred as I was still waiting for check. In meantime, toyota calls me 10 to 15 times a day harassing me for lease money and is ignorant when i call to find out about check. Today i get letter stating they are going to repossess my vehicle so my nephew calls and gives them debit card to cover XX/XX/XXXX payment. Instead of toyota using money for XX/XX/XXXX payment, instead they use it for late fees ( which are not owed as toyota agreed to defer XX/XX/XXXX and XX/XX/XXXX ) and deferment fees ( which are not owed as toyota agreed to add onto end of lease ). Toyota commited fraud with my nephew bank account, refuses to talk to us and hung up 3 times on XX/XX/XXXX. Now, they lie and state no money taken out of nephews account which is not true as nephew got instant notifications seconds after giving toyota bank info. I have reported this to nephew bank for fraud. Now toyota continue to harass me 10 to 15 times a day for money when in reality they owe me XXXX
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (SC)

We moved to  XXXX   XXXX , MA in  XXXX  of  XXXX . In  XXXX  of  XXXX  our house flooded due to a hurricane on the east coast. We were visited twice by a FEMA representative and eventually awarded c. {$17000.00} for damage repair to our house.     In the fall of  XXXX  I received a letter from FEMA stating that they had determined that we were not eligible to receive those funds because the house in  XXXX   XXXX  was not our permanent residence. It gave a number to call if there was a dispute and I called and explained that it was our permanent residence, our son was   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , and we had been living there and nowhere else since the summer of  XXXX . The person answering the phone for FEMA told me this was a mistake on their part that happened frequently and would be corrected.     In the winter of  XXXX  I received another letter from FEMA stating the same determination, with no changes. I called again and was asked to write a letter and submit proof that we lived there, at which time I sent a certified letter from the school stating our address had been verified since  XXXX . I heard nothing back.     In the spring of  XXXX  I received a letter from th e Dept of US  Treasury stating that they had taken over collections. I called them and was asked to send another letter and proof of residence to their address, which I did. I heard nothing back.     In  XXXX  of  XXXX  Iearned that my tax refund had been garnished due to this supposed debt, and I called again. This time I was given a DIFFERENT address, and I sent the same written materials. I heard nothing back.     This has been on my credit report now for over 2 years and I can get no response from FEMA or the Dept of Treasury, no matter what instructions I follow or whatever effort s I conti nue to make. It is impacting my financial well-being, as I can not obtain credit with these negative errors on my report. I have disputed with the credit agencies but, while this raises t he credit score, it this  still does not allow me to obtain credit of any kind.     Thank you for your consideration in this matter.
Consumer complaint received 2017-04-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, thank you for any help that yo u may be  able to provide. I have called in to trans union and have asked that info be updated properly. I called into trans-union and let them know that I was a victim of their inquiry issue and that there were items that were not correct on my report, customer service would not help and take care of the negative inquiries reporting to my credit report. Please help, I am not getting anywhere. The inquiries are listed as :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2021-08-06
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. (IN)

I was denied credit. I requested a copy of my credit report and discovered I am the victim of identity theft. I tried contacting the the credit bureaus but could never get through to speak with an agent. XXXX XXXXXXXX this is not mine, XXXX XXXX XXXX XXXX XXXX this is not mine, ( 1 of 3 ) XXXX XXXX XXXX XXXX this is not mine, ( 2 of 3 ) XXXX XXXX XXXX XXXX this is not mine, ( 3 of 3 ) XXXX XXXX XXXX XXXX this is not mine, XXXX XXXX XXXXXXXX XXXX XXXX this is not mine, THESE ACCOUNTS ARE FRAUDULENT AND ARE NOT MINE. Also these inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My person information is as followed Name : XXXX XXXX, Year of birth:XXXX, My address is : XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX none of the other personal information applies to me and should be updated. Please Help Me.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America, in it 's capacity as servicer transferred a loan that was foreclosed to XXXX to collect. On XX/XX/XXXX, XXXX XXXX XXXX, BOA 's attorney responded to a complaint advising the Rescission Deed reinstated the lien and debt. On XX/XX/XXXX, a year later, XXXX XXXX XXXX, BOA 's attorney, conceded the Rescission Deed and Foreclosure sale we 're both invalid. On XX/XX/XXXX, the Court declared the Rescission Deed was invalid. However, XXXX the alleged successor to BOA is continuing to report this on my credit adversely without any legal authority. Please forward this complaint to the Federal Trade Commission for review, along with the historical file of my complaints.
Consumer complaint received 2024-02-11
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. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.