davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (FL)

On XXXX XXXX, I authorized TD Bank to transfer {$280.00} to XXXX XXXX , via TD Bank app `` XXXX '', for the transfer of a Florida DMV automobile title, a XXXX XXXX XXXX. 
XXXX XXXX ( XXXX ) advertised his services on XXXX XXXX and to contact him or his Florida DMV contacts at FLHSMV Service Center, XXXX XXXX XXXX XXXX XXXX. 
Because of Covid I wanted to do this transfer online in the comfort of my home. 
When they emailed me a copy of the Florida DMV Title for the XXXX XXXX, I studied it for accuracy of information and decided to check the Title number with the Florida DMV website and the actual title number I received was active for a XXXX XXXX XXXX XXXX. This proved that this was an obvious scam and fraud to create an official Florida DMV title. 
I never received the original title in the mail as they had promised. 
I never used the XXXX app before and now I understand that XXXX does not guarantee delivery of services and is thereby aiding and abetting criminals in these kind of scams and fraud. Checking online this is a real problem with XXXX with millions of dollars being lost without recourse. XXXX is owned by a consortium of US banks which is realy troubling. 
Further, because TD Bank has this app available on their online website, they are also responsible for aiding and abetting the criminals with international wire fraud and condoning the creation of fraudulent Florida State Documents. 
I disputed this transfer with TD Bank, as per attached letter, I don't think they ever really investigated my complaint and they never asked for any further evidence which I said I would be glad to provide. 
What I hope to accomplish with this complaint is not only to get my money back, but also stop the sinister relationship XXXX has with the criminals involved. No recourse disclaimer is not a valid excuse for criminal behaviour. XXXX has to be held accountable especially as it is owned by US banks, not somXXXX XXXX  shadow bank. 
Enclosed some of the evidence I gathered and will be happy to share more if needed. 
Yours truly, XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (FL)

I believe the account is invalid. GM FINANCIAL needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 
GM FINANCIAL XXXX
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (FL)

We had a mortgage with TCF Bank on a property in XXXX Ohio. We paid off the mortgage in XX/XX/2021. We did not receive a " satisfaction of mortgage '' letter and the bank never filed one with XXXX county. TCF Bank merged or was bought by Huntington Bank shortly after that. Now we are trying to sell our property, XXXX XXXX XXXX , XXXX, OH XXXX, but Huntington Bank can not come up with the record that shows we paid off the mortgage and has not issued a satisfaction letter. We can show proof of payment, and they are not disputing our claim, but time is now of the essence and after a week of discussions with various representatives on the phone, we still do not have the letter. TCF bank ( the now defunct bank ) was negligent in not filing the mortgage satisfaction with XXXX county and that responsibility becomes Huntington 's. They should at the very least have a record that we have paid off our mortgage. They are required by law to keep records of TCF Bank. In fact, we have a letter from TCF bank thanking us for paying off our mortgage, but it is not a bona fide " letter of mortgage satisfaction '' and is not accepted by the title company. Plus, since the satisfaction has not been filed with the county the title company has no proof. To clarify : the property is owned by XXXX XXXX XXXX, and the mortgage is under the name XXXX XXXX.
Consumer complaint received 2021-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion has removed an XXXX XXXX  account without mine or XXXX XXXX  consent. 

They have removed several open accounts from my credit report. 

It is my intention to report them to the FDIC, XXXX XXXX XXXX and to bring Federal charges against them within the next 30 days for violating FCRA laws.
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (NY)

I started a loan process with Caliber Homes the Loan officer was XXXX XXXX. The start of this loan was in XXXX, and he has delayed in correspondence as well as communication. I was due to close 5 different times, each time Mr. XXXX had a different answer. He also seems to be very Bias towards making the loan happen. He continuously sends me emails each time with the same questions. I have reported him to his company, he seems to be accusing me of not be a hard-working XXXX XXXX woman. He seems to not believe that someone can actually get up and go to work each day not working one, not two but three jobs. He has accused me of acquiring funds in an unlawful manner. He has not been honest with me, and I am about to loose the sale of this home as the seller has waited 4 months for Mr. XXXX who appears to be giving us the runaround. He has shown no discretion in my loan. He has contacted every employer at my firm as if I was lying about my employment and my income. I have been more than fourth coming with all of my finances and still, he seems to be showing me a lot of XXXX. I have written formal letters and still, he finds a reason why I shouldn't be a homeowner. I am so upset at this point and would like to take legal action.
Consumer complaint received 2020-09-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FIRST NATIONAL BANK OF OMAHA (NY)

Just got my statement for a debit card of mine TODAY AND NOTIFIED TWO FRAUDULENT TRANSACTION ON MY CARD : XXXX ONLINE XXXX XXXX TX XXXX XX/XX/2020 XXXX FIRST NATIONAL BANK OMAHA XXXX NY XXXX XX/XX/2020 XXXX I DID NOT MAKE ANY OF THESE TRANSACTIONS AND I DID NOT RECEIVE ANYTHING FROM XXXX-XXXX OR THE FIRST NATIONAL BANK. OF OMAHA - I want my money back. I WANT MY XXXX RETURNED FROM XXXX ONLINE XXXX XXXX TX AND I WANT MY XXXX RETURNED FROM FIRST NATIONAL BANK OMAHA ( A SUBSIDIARY OF THE NOTORIOUSLY FRAUDULENT XXXX XXXX ). HOW EXACTLY AND WHEN EXACTLY WILL I GET MY XXXX FROM XXXX XXXX XXXX TX AND HOW EXACTLY AND WHEN EXACTLY WILL I GET MY XXXX FROM THE FIRST NATIONAL BANK OMAHA? 

XXXX XXXX XXXX
Consumer complaint received 2018-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (IL)

XXXX XXXX has been garnishing my wages since XX/XX/2017 for debt that was being paid thru the Law firm that they hired. Now I have been paying the law firm {$320.00} a month and they have been garnishing {$85.00} every pay period. But according to their records, this account has been resolved but they still garnishing my wages!! I have proof of the garnishments from my employer and I have proof of debt paid and payments paid to the law firm hired to collect the balance.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (KS)

I have contacted XXXX, XXXX and Experian multiple times since XX/XX/2022 to validate and remove inaccurate information on my credit report regarding a XXXX XXXX XXXX collection account number XXXX. I have sent multiple letters requesting deletion of this inaccurate information and XXXX, XXXX and Experian have failed to respond or validate this debt in violation of FCRA. This inaccurate collections account is severely affecting my credit report and causing great financial harm. Please have this account deleted from my XXXX account.
Consumer complaint received 2020-09-13
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. (GA)

I've have been in contact with XXXX XXXX since XX/XX/XXXX as to why my Mortgage is is listed as closed at all 3 credit bureau. I've been told repeatedly by XXXX XXXX representative they're updating ... My account was closed or removed from all credit agencies since XX/XX/XXXX. I've gone to the a local branch office to address my situation and once again, was told in the situation will be corrected. This has been going on since XXXX of XXXX ... I recontacted XXXX and was told my account will be finalized/added to all reporting agencies the first or second week in XXXX. I'm at my wits end and reaching out to you for assistance. Please note, I am trying to rebuild my credit but clearly XXXX XXXX is not helping me in this endeavor. 

Thank you! 
XXXX XXXX XXXX
Consumer complaint received 2020-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (TN)

They're so many.. From credit cards, XXXX XXXX product sent to  XXXX  that was supposed to go to XXXX, to SBA Loan , personal information, closed credit cards, credit score lower than ever. 
I was forced to retire last XXXX. I was hit by numerous celebrity imposters since XXXX thru XX/XX/2020 on XXXX and XXXX, XXXX chat apps on my XXXX   and online. I am flat broke, my credit score is now XXXX when it used to be XXXX, my previous bank closed my checking account, due to an SBA Loan wired to my checking account. I still had my auto pay running and they continued to charge me fees, they raised the amount so far in the red, that they knew I couldn't pay that amount, etc. An SBA Loan was ACH/Wired to my checking account then the imposter ( I found out later was an imposter instead of a celebrity ) XXXX XXXX with Corporate Security with XXXX  has been after me. Collection agencies are sending me letters. I don't have a lot of retirement income. I had to move in with my parents due to family illness. Now my mom is XXXX XXXX. They do not know my situation at all. I prefer they don't know. Gift cards were purchased with the credit cards that were mailed to me. Ms. XXXX with Amex Gold and XXXX XXXX were contacted about my balances. They finally closed my accounts, but after me to pay for the balances. A user name : XXXX set  them up, was supposed to be an account manager. My XXXX  cards were used, XXXX, XXXX was used to send the imposters money. I really need your help. I can't afford to make the monthly payments they all want me to make to get my accounts down, but not wanting to re open the accounts. I know better, but was lonely and vulnerable. I have a husband in XXXX  and next year to be sent to XXXX  for 25 years in XXXX  . I am so terrified and the walls are closing in. I have been taking an XXXX XXXX  for 3 years and now my XXXX is at it's peak because of the overall debt. I have so many other pictures I didn't know what your limit was on uploading them all.
Consumer complaint received 2018-06-05
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. (TX)

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 XXXX   XXXX XXXX, XXXX don't have the required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. I told XXXX XXXX XXXX, XXXX Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity and they told me no. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report and they told me they don't have it. XXXX  XXXX XXXX, XXXX failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If XXXX XXXX XXXX, XXXX are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.
Consumer complaint received 2021-05-03
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NC)

I have reviewed a copy of my credit report and I show company WFDS account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2022-11-17
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. (NV)

This is my 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 alleged fraud or extortion. 



XXXXXXXX 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 NV 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 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

I've have been in contact with Wells Fargo since XX/XX/XXXX as to why my Mortgage is is listed as closed at all 3 credit bureau. I've been told repeatedly by Wells Fargo representative they're updating ... My account was closed or removed from all credit agencies since XX/XX/XXXX. I've gone to the a local branch office to address my situation and once again, was told in the situation will be corrected. This has been going on since XXXX of XXXX ... I recontacted WellsFargo and was told my account will be finalized/added to all reporting agencies the first or second week in XXXX. I'm at my wits end and reaching out to you for assistance. Please note, I am trying to rebuild my credit but clearly Wells Fargo is not helping me in this endeavor. 

Thank you! 
XXXX XXXX XXXX
Consumer complaint received 2021-01-29
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: Experian Information Solutions Inc. (OH)

XXXX XXXX ss # I am writing today because there are inaccurate reports on my credit. I tried to have them investigated by a repair company only to have them add the erroneous companies back to my report changing the days to the current date as if the account just happened. It feels like I'm getting punished for looking into the errors. I'm also contacting the Consumer Financial Protection Bureau ( CFPB ) for help resolving this matter. Below, is the list of erroneous reports. The reason I'm calling them errors is that the days aren't correct, they are the original debtors, and I have no way of knowing who or what I owe. Thank you for your attention in these matters.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (CA)

Ive looked over my personal credit report and possible finance is reporting inconsistent and inaccurate reportings which is in violation for reporting wrong information on my credit report which is greatly affecting my score. Attached to this claim will be the proof showing that the inconsistent reporting to the 3 credit bureaus with the high balance being different on all 3 bureaus, inconsistent last payment, account status, and date reported. The date of last activity for example on XXXX  shows XX/XX/XXXX while XXXX  shows XX/XX/XXXX and XXXX  shows XX/XX/XXXX. This is ILLEGAL and a violation with the FCRA by all the account has been re aged which is a Violation of {$1000.00} per violation which possible is in 4 violations by all information being submitted to the credit bureaus must be 100 % accurate. If all 3 credit bureaus are getting their information from the same creditor how is it that theyre all reporting different information? This account also is in violation with the FCRA by reporting late payment when the collection account is closed. It can not be late unlike open ended accounts. As listed with XXXX  and XXXX  by reporting the Account 120 days late but at the same time as charge off which is another {$1000.00} fine. I plan on collecting my funds due to multiple violations if not settle d. The attachment will show the violations circle in highlight
Consumer complaint received 2020-09-13
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. (MN)

The following credit inquiries listed on my XXXX XXXXXXXX XXXX and Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX. Furthermore, I want all fraud and security alerts immediately deleted and removed from my credit report. I do not want any fraud or security alerts on my credit report.
Consumer complaint received 2022-11-17
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. (NV)

This is my 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 alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXXXXXX Date filed XX/XX/XXXX Identification number : XXXX ; XXXX XXXXXXXX .... Balance : {$400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXXXXXX 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 2021-10-13
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: Shellpoint Partners, LLC (RI)

Shellpoint Mortgage servicing placed my mortgage ( Loan Number XXXX ) in a COVID-19 hardship forbearance. I called the company and informed that i was willing and able to resume making payments to my account. They took my account out of forbearance ; however, the payment amount they gave me was about {$1000.00} higher than before. This was due to the fact that Shellpoint over payed my property taxes by {$5800.00}. This was a mistake on the company 's behalf. My loss mitigation agent, XXXX XXXX informed me that she would place my account on an extended forbearance to allow my town to refund Shellpoint any moneys owed and they could credit this back to my escrow account, then give me an accurate payment amount. The agent indicated that since the account would be placed a forbearance i should not make payments, at least until we have an accurate payment amount. While my account was supposed to be on a forbearance it seems this was not done and therefore the company introduced a derogatory remark on my credit report stating that XXXX payment for XX/XX/2021. Had i known that the payment was due i would've made the payment since i have excellent payment history with this and many other accounts. My agent indicated that my first payment after the forbearance was in XX/XX/XXXX of XXXX. I was only following all of the instructions provided by my loss mitigation agent. I have attached all proof of communications between myself and the loss mitigation agent for your review. Furthermore, my loss mitigation agent no longer works with the company and could not help on this matter.