davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

TD Auto FinancXXXX is still showing as a closed/charged off account on my credit report. I have already taken the necessary steps to dispute the charged off account which TD Auto Finance agreed to settle my account for a pay to delete off of my credit report which TD Auto and their XXXX XXXX XXXX XXXX XXXX XXXX fixed as of XX/XX/XXXX. 

I accessed my credit report on XX/XX/XXXX, and noticed that TD Auto Finance is still reporting as a charged off account when I have the necessary paperwork stating it would have been removed off of my credit report now.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (PA)

XX/XX/2018 an electronic payment was made from my BB & T checking account to XXXX XXXX mortgage. This payment was made from a newly opened checking account as previous checking account was under investigation due to fraudulent activity. My records indicate that the electronic payment of {$770.00} was made over the phone with a XXXX XXXX customer service representative, but XXXX XXXX does not have a recording of the call or any notes. BB & T after some investigation, sent a fax to XXXX XXXX detailing the transaction. BB & T stated that the payment was made via the BB & T bill pay system-I was not aware of the details that BB & T sent to XXXX XXXX XXXX BB & T did not send me the information. I had requested from BB & T details of the transaction and explained the discrepancy. The customer service representative stated again that the payment was made through their bill pay system. The first time a person uses the BB & T bill pay system, that payment is sent via paper check. BB & T does not have any record that a paper check was sent, and the representative could not find any other bill pay payments that were sent, that would have been the first and paper check sent. The BB & T representative stated that no further details could be provided or researched as all of those records have been destroyed. My understanding was the banks were required to keep records for 5 years. This information is imperative as the alledged fraudulent activity on my checking account, BB & T confirmed the fraud. After opening a new checking account, the old checking account that the fraudulent activity happened, BB & T stated that I had to leave that account open. In doing so, and the fact that my payroll deposit could not be rerouted or stopped for XXXX days, additional monies were deducted from the account. My records indicate the name of the XXXX XXXX customer serv rep I spoke to when I made the payment, but XXXX XXXX does not.
Consumer complaint received 2021-03-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Upon review of my XXXX with Bank of America, with no delinquent payments and excellent credit. My credit score dropped an unimaginable 24 points at once!!!!! The justification stated that the change in score was due to " lack of auto loan and installments, '' I paid off my auto loan with BOA in XX/XX/2020. This is totally unacceptable and not fair. I've been penalized in the past for paying off balances in which my score would drop by 7-8 points. This decline in score puts my rating at XXXX. It's frustrating and totally unfair to be reprimanded for doing the right thing in not accruing any debt. BOA said it's the credit company XX/XX/XXXX, and XX/XX/XXXX sent me back to BOA each pointing the finger at the other. My XX/XX/XXXX level and XXXX XXXX increases at the thought that in doing the right thing by ensuring I don't carry debt I get punished for paying off my bills. In this environment I don't want to worry about owing money especially with me managing my spending I can use savings to assist someone in need. 
Please help in to understand how this continues to happen to me, that my score changes on such a consistent basis and i refuse to take out unwarranted loans or credit cards i don't need. Thank you for any assistance you can provide.
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (WA)

This occurred during a phone call when i responded to MY CURRENT mortgage company when they emailed me about refinancing. i was speaking to a very smooth talking man named XXXX XXXX with XXXX XXXX. i was asking him about a refinance and i asked many questions. This took place on XX/XX/2021 at approximately XXXX or so. He was very supportive and encouraging about me doing the refinance with newrez because my mortgage was already with t hem -- - he also degraded my current bank where i was talking to them about a HELOC, and he was telling me they were just trying to charge me more and get more interest etc. I specifically asked him if i would need an appraisal to get the re-fi and he gracefully dodged that question and said things like, probably not, but maybe etc. i also specifically asked about if i would have to pay for the appraisal and he dodged and twisted his answer to make me believe that it would be added on to the loan at the end only if i needed an appraisal. so i spend 45 minutes giving him personal information and signing things and allowing t hem to tag my credit- actually they had already dinged my credit BEFORE i signed anything. but all of this happened and he was so smooth and nice and saying everything was great and i could even get more money out of my equity etc. then after all this time and after i had turned over so much private information and signed papers he said he needed my credit card info to charge XXXX dollars for an appraisal.????? i had been clear about asking questions regarding this and he had said maybe i won't need it but if i do it could be added to the loan at the end. So he tricked me somehow and then he was rude when i called him on it, then he started talking fast and over me and saying, it is all recorded i told you this -- but i know for sure he tricked me or used deceptive language, because i was asking this from the beginning. i would NEVER have answered any questions if he would have said, if they say we need an appraisal you will need to put it on a charge card in order to process the loan -- he never said any such thing at all. They are using very deceptive practices and get all this time and energy and personal info and pull credit and then at the end say that they need your credit card.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

Santander has been reporting incorrectly for a car loan that was established in XXXX and was included in my Chapter XXXX bankruptcy in XX/XX/XXXX and discharged in XX/XX/XXXX. They are reporting it as XXXX charge-offs and transferred to another lender. This is greatly effecting my credit score which I have been trying very hard to re-establish. I have tried on a few occasions already to dispute and have corrected by the credit agencies and the lender. This needs to be rectified immediately.
Consumer complaint received 2021-03-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (HI)

Shellpoint complaint to CFPB Previous loan servicers and Shellpoint maliciously filed a complaint in Hawaii second circuit court and created fraudulent documentation to attempt to show standing to foreclose on my property. 

It is a federal crime and a violation of federal and state laws to engage in residential mortgage backed securities when the bank and loan servicer does not have legal title of a mortgage collateralizing the mortgage back certificates. 

Shellpoint states XXXX XXXX XXXX XXXX not in its individual capacity but solely as trustee XXXX pass through trust X is the owner of the mortgage deed of trust on my property XXXX, Hawaii years after the trust closed. The trust closing date was XX/XX/XXXX. 

Shellpoint can not prove the mortgage in question was ever securitized into any trust. Therefore they are engaging in and violating federal IRS tax laws. 

Shellpoint in their letter dated XX/XX/XXXX and XX/XX/XXXX states the deed of trust security instrument can be sold one or more times. 
Yes, thats true however it needs to be recorded in the name of the new owner or a nominee for a trust. 

My title and security instrument Deed of trust was never in the name of any mortgage backed security since origination. 

It is a federal violation To create fraudulent mortgage backed securities without legal title of a Mortgage collateralizing the mortgage backed security certificate. 

I ask the CFPB to have this investigated or sent to the proper federal agency to look into these mortgage backed securities Shellpoint and new residential ( NRZ ) are engaging in.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IA)

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. On XX/XX/2021 I mailed a dispute letter to Equifax about accounts being listed on my Equifax credit file without my written consent, which is identity theft and I have yet to be alerted that a investigation is in progress or that my dispute has been received.
Consumer complaint received 2021-03-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Farrell Holdings, LLC (AZ)

First of all, I am not American and English is not my native language. I know there are some regulations that cares about this kind of situation. 

Secondly, I got a car loan from Prime Acceptance Corp, done under abusive interest rates of 29 % apr. 
Lender : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX I was struggling to pay the loan on time. I asked help with them to renegotiate the contract. They refused. 
I had my car repossessed. I paid all the requests they did XXXX XXXX to them + XXXX parking fees ) The company forced me to make payments after repossession using XXXX, in cash. Calling to XXXX XXXX, they told me there was no difference ( online payment or in person ). 

I ended up paying XXXX in cash ( as Pac required ), and XXXX ( online, not accepted by XXXX, but they refuse to refund ). 

I requested them to use this extra XXXX to pay the last installments XXXX to reduce the interest I will be paying XXXX. However they refused : they want to use this balance of XXXX to pay the next installments with full interest rate. 

I need some help regarding all this situation : 1. abusive interest rate 2. Use my extra paymanets to amortize my balance, and reduce the interest rates : paying the last installments. 

My monthly payment is XXXX.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

There are 5 accounts that are appearing on my credit report that are not mine I have been mailing disputes to the bureaus and the furnishers saying these are not mine because I have not signed or used or accepted any of these charges or cards. 
The accounts are : XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$3700.00} XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$11000.00} XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$7300.00} XXXX XXXX- Acct # XXXX Amt {$6600.00} XXXX XXXX- Acct # XXXXAmt {$9.00}
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 XXXX XXXX, XX/XX/2020, XXXX XXXX, I sent Transunion certified letters. Disputing the inquiries of XXXX, XXXX XXXX XXXX on my credit reports. At the same time I sent dispute letter certified to XXXX, XXXX XXXX XXXX Transunion, XXXX and XXXX XXXX XXXX continued to report this Unverified Account. They failed to validate the account and provide me with any contract or agreement that I signed.All they have sent is letter saying the inquiries were valid and XXXX did not respond. 




Transunion has NOT provided me with who verified these accounts? 
a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA are required to promptly DELETE all information which can not be verified. 


Transunion has not validated the inquiries as mine, and continue to ignore my letters asking for removal of this inquiries.They have violated many consumer laws. 


All I asked was that the Transunion show me how they verified this debt and what XXXX, XXXX XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated.Transunion needs to delete the inquiries promptly.
Consumer complaint received 2021-03-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

The company is Navient. I am XXXX yrs old, my only income is social security. Paying them every month is a hardship for me but I am paying what I can. They don't accept this amount saying I owe them {$600.00} in back payments. They email me, they call multiple times everyday harassing me and I want them to stop. Their number is XXXX.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against JEFFERSON CAPITAL SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2021-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

I have been denied loans and credit cards, due to my credit report/history. XXXX XXXX XXXX reported the wrong amount to National Credit System for collections. I have reached out to the company and requested my lease for XXXX to prove I signed a six month lease and the ledger. I was only provided the ledger and was told someone would contact me regarding the lease. I have been waiting for a response since XX/XX/XXXX. 

In XXXX I moved into the property under a different owner and paid 2.5 of rent amount which was roughly {$2100.00}. ( XXXX ) for deposit amount. The property was sold to XXXX XXXX about 3 months into the lease agreement. Which caused my rent to increase to XXXX. My lease expired XX/XX/XXXX. I was experiencing a financial hardship and decided to request a month to month lease, which was denied. There for I was approved to sign a six month lease. 
However ; unforeseen circumstances took place and my family had to vacate the premises in XXXX which was within 4 months of that six month lease agreement. I discovered I was wrongfully charged the remainder of the year XXXX. I understand that I currently owe National Credit System a balance of XXXX including the month of XXXX and XXXX. My second concern is my full deposit amount of {$2100.00} which was not applied to the balance owed of {$4500.00}. 

Per XXXX XXXX XXXX my deposit amount was only XXXX and I owe XXXX after deducting the past due balance which is incorrect. The reported amount of {$6800.00} to National Credit System is not the correct amount.
Consumer complaint received 2022-07-29
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX SXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX, Reported card stolen. did not receive a card untill XX/XX/XXXX. 
XX/XX/XXXX I read the one time use emergency cash, When I recieved the card, the remaining balance was XXXX Dollars. XXXX the customer relations claimed to file a claim giving me # XXXX and stated it would take up to 90 days,. I waited and nothing has come, I read the policy and asked for FDIC number and to make a claim they refued. 
I have received information the transactions were sent and cashed. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I called and attempted to speak to hierarchy and they have continued claim was on its way
Consumer complaint received 2021-03-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Onity Group Inc. (CA)

Account number : XXXX Unpaid Principal Balance : {$29000.00} Interest Amount Due : $ XXXX Late Charges Due : XXXX Advance and Other Expenses : XXXX I called the company PHH Mortgage Services XXXX XX/XX/2021 for information on the account they have under my name. The company could not find any record of the debt they are accusing me for. There is no record of the debt! I want the company PHH Mortgage to delete it from my credit report.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAC Financial Corp (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CAC FINANCIAL CORP. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I had an working debit card that wasn't going to expire until XX/XX/XXXX. I was sent another card not sure why, I put it up because my card was fine. Went out of town on XX/XX/XXXX and my card was fine. I go to a Bank of America ATM and my card worked. I tried to withdraw more money and my card wouldn't work I call customer service and my card was cut off because I received a new card and the bank was changing from MasterCard to Visa. The customer service tried to activate my debit card and they couldn't get it to link. So I'm 300 miles away from home with no money. I couldn't check in my hotel because I had no card. So a family member paid for the room and I gave the money back. I get home activate the new card. I tried to use the card Wednesday and it wouldn't work. I called customer service 3 times to be told they couldn't link the new card to my account and would be sent another debit card. I advised the representative that I need my card before noon because I will be going out of town. I was told no problem. I tracked the new card this morning and it's not scheduled for delivery until XXXX tonight. I called number service this morning XX/XX/XXXX and was told there's nothing they can do. I was told that I can go get a temp card but you can't check into a hotel with a temp card. I asked they contact XXXX to change delivery time and they refused - stated they can't do that. So here I am with travel plans and no access to money. So I have booked a hotel and can't check in and I have no money. I have to take off work to go get a temp card.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

I have been trying to apply for a mortgage loan, and i have three accounts in collections that have a dispute remark saying consumer disputes this account information. These dispute remarks on my credit report is interfering with the mortgage loan process. I have called XXXX, XXXX, and Experian multiple different times about having these dispute remarks deleted from my credit report. They would tell me it is completed, and i would check my credit report, and they are removed. Then i would receive a notification saying that the dispute remarks are back on my credit report. This has been going on for the past four months. I would call the credit bureaus back and they would say the collection agencies are the one that keep reporting the dispute back onto my credit report. I have called and talked with the collections agencies and they say i am not in a dispute status on any of my accounts nor did they see they are still reporting a dispute remark. 

I started to call the credit bureaus XXXX XXXX, 2020 and I recently just called on XXXX XXXX, 2020. 

These are the three collection accounts : XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$690.00}