davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

I am trying to get intouch with the Beneficial finance company.  They sold all their loans in the US.  Since we never completed a loan with them we do not have an account number and our SS# are not on any records they have.  I sent the following letter to them explaining what problem we needed fixed by them and we sent it certified mail but when we track it there is no information that it was delieveded.  Here is what I sent them.We need some one to remove a record at our local XXXX county courthouse in XXXX that says our property is being used as collateral on a loan through XXXX XXXX XXXX.  On XX/XX/XXXX we applied for a loan at the local branch office in XXXX, Pa and then a day or so later we went back into the office and cancelled the loan.  No checks were ever issued, and it fell within the three-day period we were given to think it over.  Recently we applied for a second mortgage through our local Credit Union and they did a property report which showed a loan on it with date of XX/XX/XXXX and it was recorded on XX/XX/XXXX, record book XXXX record page 497 in the amount of XXXX. We need this removed to avoid future problems and we need a letter faxed to our credit union to tell them that we do not owe you for this loan and that the property is free and clear of this debt. Please fax this letter to XXXX XXXX XXXX XXXX XXXX attention XXXX XXXX XXXX.   Please act quickly since the loan we are applying for will be on hold till we can prove we don’t owe this money.
Consumer complaint received 2024-04-06
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: EQUIFAX, INC. (TX)

I am writing to follow up on the letters I sent on XXXX XXXX XXXX  regarding the unknown inquiries on my account. Unfortunately, it seems that the issues have not been resolved yet. I kindly request your assistance in looking into this matter and taking the necessary steps to have these inquiries removed. Thank you for your attention to this matter.
Consumer complaint received 2021-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (FL)

I opened a simple checkings and savings account with TD Bank and received funds for a sba loans that were deposited into the account and the next day withdrawan and I was left with the overdraft fee for the amount that I never applied for nor received. I spoke with the branch manager to which I was told the account was closed and I was issued another account and the same thing kept happening over and over to no avail of relief. The same thing was done with a XXXX XXXX bank account checking that I initially opened but my account was hacked with fraudulent activities
Consumer complaint received 2020-01-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: World Omni Financial Corp. (IN)

Good morning, I was so happy about paying off my {$24000.00} loan at Toyota Finance. I called them up about paying my loan off online. I was told BY Toyota that it would be quicker for me to send them a Cashier 's check- overnight it to them- and my payoff would happen immediately. Well, that was a lie, unfortunately. They received the XXXX XXXX Wednesday at XXXX and it has supposedly disappeared. They have no record of it at all. I have called several times and no one will put me through to a supervisor. They said they can't help me till the payment posts and I'm out of luck. I don't know what to do? They have been AWFUL about the whole situation. And they said I would have to keep making the payments on a car that I have sent a large cashier check for that would pay it off. Can you help me, please?
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I was shocked and puzzled that when I reviewed my credit report today and found late payment on XX/XX/XXXX for 30 days. How? I am not sure how this happened, and I believe this is an internal error with Santander and Credit reporting agencies. First of all, I'm not liable for this mortgage loan account because that was for my ex-husband and I haven't paid on that account for like 3-4 years. That account belongs to my ex-husband XXXX XXXX. And actually he refinanced the loan on XX/XX/XXXX and paid off the entire loan and my name was legally removed. Please delete this immediately from my credit report.
Consumer complaint received 2022-01-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (KY)

Ex girlfriend onle user of card and paid bill we broke up and she stopped paying. Did not have acces to account or way to pay ... Now in collections and damaging my credit.
Consumer complaint received 2021-05-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (GA)

There's a derogatory mark on my credit profile that I keep disputing due to a fraudulent claim or some sort of misunderstanding on the debtors part. Somehow, it keeps magically appearing on my report by different companies as if they're selling the debt to other companies. This is so frustrating. So much hard work has been put into my credit profile ; making payments on or before due dates, and not missing payments. This is appalling to me. I have nowhere else to turn. I'm tired of building my credit only to be faced with having to dispute an account that I didn't create. I've never been to the establishment that says that it's me who owes them. Please have this error removed. Thank you so much for your time and patience. Good day.
Consumer complaint received 2020-10-17
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: Experian Information Solutions Inc. (IA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (AZ)

received a text about my membership being paid by my credit card at sam 's club. the charge was for membership, which i was going to do today, XX/XX/21, but was going to use my cash back as ive always done, i did not make or authorize this payment, i admit i got XXXX  on the phone with the rXXXX as he said he couldnt help, seems od to me as if the charge was illegal to me, why cant they remove it? 
sams club XXXX XXXX
Consumer complaint received 2018-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Medical Management, Inc. (NJ)

There is a medical collection account on my credit report from XXXX XXXX with an Original Balance of {$1500.00} and Current Balance of {$820.00}. This collections account was opened on XX/XX/XXXX. The Original Creditor is XXXX XXXX XXXX and the Date of Service was XX/XX/XXXX and the original balance with XXXX XXXX XXXX was in the amount of {$1600.00}. 

I made the following payments to XXXX XXXX XXXX {$64.00} on XX/XX/XXXX and {$15.00} on XX/XX/XXXX. 

I then made arrangements with XXXX XXXX XXXX and paid a settlement amount of {$750.00} on XX/XX/XXXX. XXXX XXXX XXXX accepted my settlement payment and cashed my check on XX/XX/XXXX. This XXXX XXXX collections account should be removed from credit as I no longer have a debit with XXXX XXXX XXXX ; however XXXX XXXX is showing my settlement as a regular payment and have been reporting negatively as collections account on my credit reports ever since.
Consumer complaint received 2018-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OH)

CFSI has reported two accounts to the credit bureaus as collections. 1 account is for {$340.00} and the other is for {$380.00}. Neither one of these belong to me and I was never contacted to dispute these accounts, they just appeared on my credit report. I have been a victim of identity theft and I believe that these accounts may stem from that. These account are not mine and do not belong to me.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (KY)

In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-25
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: National Credit Systems,Inc. (LA)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX XXXXNATIONAL CREDIT SYSTEMS # XXXX
Consumer complaint received 2021-06-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (SC)

I originally got a payday loan with cash net and this is the second complaint I have filed! I can not get out of this loan and they know that. I have not taken money out of this loan in month and months to try and pay it back I also tried to pay it back with my stimulus but I never received that. The only time I had borrowed more money from cashnet a was to make the payment that was due. My balance is only XXXX XXXX actually its XXXX now after NOT TAKING OUT ANY MONEY and still making payments. I have been making payment arrangements for months because I can not meet the payments that are due. They take out XXXX every two weeks and I physically can not pay that! I have spoken to advisors multiple times they change my due dates which adds interest but they never break down the payments. I have paid cashnets payments before my car payment and power to try and catch up. Where I'm at now I paid cashnet last month and it ended up making my bank account go negative then I had over due fees from my bank. I spoke to an advisor and he moved 2 payments because now I'm behind to thus month. I'm normal people can not pay XXXX dollars in one check. That is insane and they don't do anything about it. My problem is I can't pay XXXX every two weeks I was advised to speak to collections at cash net, and they emailed me back saying there was a payment plan set up but that doesn't solve the problem it puts me back where I was last month. I can't keep going negative in my account so I can pay cash net and my power bill because a balance for XXXX  is not that much and they expect half of my paycheck every two weeks and it can not happen. I have proof for trying to just have smaller payments or 1 payment and they told me no. I'm drowning, physically drowning and I am struggling. They don't care and won't work on it with me. Here 's proof of the fake customer service the provide. It is fake because they seem nice like they will help you but they will push a payment back only for you to owe more and they make it IMPOSSIBLE to catch up. I have been asking them to help me for months.
Consumer complaint received 2021-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (TN)

I received notification of a SSN trace and a subsequent email from a XXXX XXXX from TrueAccord/XXXX XXXX XXXX regarding an alleged debt that is past the statute of limitations. Filing this complaint in addition to my emailed CEASE AND DESIST to stop all communication and collection efforts. Furthermore TrueAccordXXXX XXXX XXXX by law can not file suit against me or report this alleged debt to credit reporting agencies. I am extremely sensitive regarding my credit rating. Any additional collection activity or reporting of this outside of statue of limitations alleged debt will result in litigation to include damages as per my right under the FDCPA.
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I, the consumer, XXXX XXXX have been violated by CAPITAL ONE pursuant to Fair Debt Collection Practice Act. CAPITAL ONE has violated XXXX XXXX XXXX by not providing the required items, they have violated XXXX XXXX XXXX by receiving my Cease and Desist and still contacted me about this alleged Debt. 

Reference : Capital One Case : XXXX & CFPB Case : XXXX. 

Please refer to the attached documents for my documents, proof, and demand that was received my CAPITAL ONE on XX/XX/2021.
Consumer complaint received 2021-06-07
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: EQUIFAX, INC. (NC)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-02-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

My loan is with XXXX XXXX and I pay my bill through Loan Care. I live in Florida and am qualified and receive the 100 % Veterans reduction on my Real Estate Taxes. I was refunded in XXXX for last years taxes. I have spoken to Loan Care at least six times about them lowering my escrow deduction. They are still charging an excess amount for my escrow reserve. They have been notified by the County and State and I have sent notifications that the payment should be dropped and the escrow amount should be dropped. I have not been able to get them to acknowledge when or even if they are going to drop the amount of escrow funds. I don't want to be paying an over payment on escrow like I did last year and then have to wait for a refund. Can you help me get this problem solved? Thank You
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

I have a Banana Republic Black card through Synchrony Bank. I have had this account for many years and have never once made a late payment. 

In XX/XX/XXXX I made two separate payments on my credit card account, each for {$100.00}. One payment was debited from my checking account on XXXX and the second was debited on XX/XX/XXXX. Both before the XX/XX/XXXX due date. My minimum payment for XXXX was {$140.00}. 

In XX/XX/XXXX I received a statement that indicated I was being charged a {$40.00} late fee for my XXXX payment despite the fact that I paid over the minimum payment due, all before the due date. I did not initially notice this late fee since I often automatically just send payments throughout the month. 

In XX/XX/XXXX I made a {$200.00} payment that was debited from my checking account on XXXX. The minimum payment due was {$75.00} and the payment due date was XX/XX/XXXX. 

In XX/XX/XXXXof 2021 I received another statement that indicated I was being charged another {$40.00} late fee. This time for my on-time XXXX payment. Again, despite the fact that I paid over the minimum payment due and all well before the due date. This unexplainable late fee caused me to do a look-back over my account to see if there had been any others. This was when I noticed the late fee on the XXXX statement. 

On XX/XX/XXXX I contacted Synchrony Bank to inquire as to why I was being charged these late fees when I was obviously making regular on-time payments. I was informed first by a customer service rep named XXXX that because my payments were made before the statement was generated that they were credited as a balance reduction and not a payment. After complaining as to the deception of this practice I was transfered, once to a gentleman who's name I did not hear who eventually reversed my XXXX late fee, and a second time to an account manager named XXXX who revered my XXXX late fee. 

While I personally may have been made whole, this practice is entirely deceptive and unfair to the average consumer. I've worked in banking for over 20 years and I know that if a financial institution tried to pull this sort of bait and switch on receiving loan payments and then when caught simply shrugged and pointed to " the fine print '' we would rightfully be cited for a UDAP violation. Why would a customer that has never once been late, makes frequent payments, all prior to the due date each month, be penalized for being proactive? 

I don't know how this practice can meet the requirements of the Truth in Lending Act, UDAP, or The Credit Card Accountability Responsibility and Disclosure Act as it's far from " fair and transparent ''. Not to mention, how is a {$40.00} late fee " reasonable and proportional ''? 

This just seems like blatant attempt to run up fees on consumers. I would liken it to the many financial institutions that used to have the practice of running debits before credits just to hit customers for overdraft fees.
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I am XXXX  that the creditors have included incorrect information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus should report only 100 % accurate credit information.
Consumer complaint received 2021-06-07
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: Atlanticus Services Corporation (GA)

Good Afternoon, I had an account go in a XX/XX/XXXX past due status from Fortiva credit due to the COVID-19 Pandemic in XXXX of XXXX. In XXXX of XXXX I was back on my feet and trying to get all of my financial affairs in order. I reached out to Fortiva on XX/XX/XXXX to pay my full balance and in return they would remove all of the late payments during this timeframe. They agreed and I paid the total balance in full of {$1000.00} and some change. I have been diligently working on my credit for the last 4 years and I knew with this I would help be able to purchase my dream home for my in the future. Fast foward to XX/XX/XXXX, I applied for a mortgage and my lender advised me because of the late payments that Fortiva promised to remove, I will not be able to purchase my dream home. I immediately called Fortiva and asked why this wasnt removed as stated back in XXXX of XXXX. They stated that I wouldnt have qualified under COVID guidelines. HOW??? We have technically been impacted by COVID since XXXX of XXXX. These credit card companies lie and prey upon the lower middle class to steal their money and all they can say is tough. I am a veteran and trying to become a 1st time home owner. Please have Fortiva correct this information as they stated they would and stop lying to their customers to just take payments from them.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (OR)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-31
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. (SC)

I have attempted to reach XXXX on numerous occasions regarding this debt that I allegedly owe. I do not recall ever having a credit card with this company. XXXX is also illegally reporting inaccurate information. This account has been closed and charged-off for years and is still reporting monthly late payments. Which itself is grounds for it's immediate removal from my credit profiles. 

If this account is not removed I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
Consumer complaint received 2022-01-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2020-10-17
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: Experian Information Solutions Inc. (PA)

I have a unauthorized account on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % XXXX verifiable or accurate must be removed.