davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST (TN)

XX/XX/XXXX, I paid off the loan for my new travel trailer and printed the confirmation. Their system never generated any further information or confirmation of payoff, so XX/XX/XXXX, I called to ask when my title would be sent. I was told within five business days. After ten days, I had received nothing, so I called again on XX/XX/XXXX. This time I was told 10 to 15 business days and they had no idea where my title was at in line. I called again the next morning to attempt to speak to someone in the " back office '' the previous agent referred to and was told 10 to 15 days, and they had no further information. I called on my lunch break and this time, connected with an agent responsible for processing, who told me ( while on the phone ) that he had cleared the lien, released the title, and was processing it for shipment immediately. He said it would be sent XXXX overnight and I gave him my wife 's phone number for tracking. As of today, XX/XX/XXXX, I have no title, no tracking, and zero confirmation it has even been sent. 

I'm currently on hold waiting for a supervisor, because I've just been told by another agent that the title is still sitting in this " back office '' where it hasn't been sent and they're responsible for mailing it. It took multiple attempts to even get her to connect me to a supervisor, and she claims they have no way to actually even connect with this " back office ''. 

We are set to travel five hours out of state on XX/XX/XXXX to trade this trailer in XX/XX/XXXX. We can't do that without title in hand. There is no excuse for this kind of delay. This institution has multiple complaints exactly like ours online and its unacceptable.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (TX)

Sent to Discover/ No Response XXXX XXXX XXXX Vice President / Deputy General Counsel and Assistant Secretary Discover Financial Services XXXX XXXX XXXX XXXX XXXX, IL. XXXX RE : Conditional Acceptance of Payment Claim Discover Card ending in XXXX Dear XXXX XXXX XXXX, I am writing in response to your recent reminder in which you claim that I am obliged to make a payment to Discover Financial for services and / or goods provided. I appreciate your attention to this matter and am willing to consider the claim on a conditional basis, subject to the fulfillment of the following conditions : Signed Contract : Please furnish a copy of the signed contract bearing my wet ink signature. This contract must clearly outline the terms and conditions agreed upon by both parties and demonstrate that I have willingly entered into an agreement with Discover Financial Services for the provision of services and / or goods. 
Itemized List of Services and / or Goods : Please provide a detailed and itemized list of the services and / or goods that you claim Discover Financial Services has provided to me which warrants the payment. This list should include a comprehensive description of each service and / or good, the associated cost, and any relevant dates or timeframes. 
Upon receipt of the requested documentation, I will thoroughly review the provided information to determine the validity of you claim. If your claim is found to be legitimate, I will take the necessary steps to ensure prompt payment in accordance with the agreed-upon terms. 
Please submit the requested information within 10 business day of receipt of this letter. If I do not receive the required documentation within this time frame, I will assume that you are unable to fulfill these conditions and your claim will be considered null and void. Further, note that that the requesting payment devoid of a contract may be considered racketeering. 
If you have any questions or concerns regarding this matter, please do not hesitate to contact me using the address above. 

Thank you for your cooperation, and I look forward to resolving this matter in a timely and amicable manner. 

I have made numerous payments to them using the negotiable instrument that they provide with the statement to no avail. They have also froze my credit and I am unable to use my card which is an interference in commerce.
Consumer complaint received 2023-03-14
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: Fidelity National Information Services, Inc. (FNIS) (IL)

Hello, my name is XXXX XXXX and I am submitting this complaint without error or influence from any third party agency or credit repair clinic. I do not con- sent to these fraudulent accounts. According to the FCRA, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer re- port under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
This is my final and last written instruction that I demand you remove the following unauthorized accounts & data immediately to prevent further legal proceedings : - XXXX XXXX account opened XX/XX/2019 account number : XXXX NO PERMISSIBLE PURPOSE ( 15 USC 1681B ) -I HAVE NO CONTRACT OR LEGAL AGREEMENT WITH THIS COMPANY!
Consumer complaint received 2023-05-09
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. (NY)

I have noticed inaccurate information that may violate 42 U.S. Code 1320d-6 as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you accurately validate the alleged debt. I am unaware of the collection account referenced above. To be clear THIS IS A REQUEST FOR VALIDATION made pursuant to 15 U.S.C 1692g et seq. of the FDCPA. 

Additionally, I am allowed under the Health Insurance Portability and Accountability ACT ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for the release of my medical information to any third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold : Validation of debt and HIPAA authorization. 

Please contact XXXX XXXX XXXX to furnish a breakdown of fees including any collections costs and original medical charges. XXXX XXXX XXXX should also provide a copy of my signature with the provider of service ( s ) granting authorization to release my medical information to any third parties. Cease any credit bureau reporting until the debt has been validated as 100 % accurate.
Consumer complaint received 2022-07-18
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. (MA)

The accounts that are reporting on my credit report are false and inaccurate accounts that are reporting. These accounts have been opened without my knowledge or consent. I have already tried to complain about these reports i was told an investigation would take place and i still havent seen any results.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been submitting a disputes for SEVERAL MONTHS NOW against the accounts that these three credit bureaus keep posting in my credit report. I have reason to beleive that these accounts are INACCURATE and UNVERIFIED information but they keep showing up in my credit report. They have not shown any legal evidence or proof of the original contract indicating that these accounts were made by me or owned by me in those months that I have been asking for proof or any signed agreement. I have asked for legal advice and was informed that what they are doing is against my rights and is not complaint with the FCRA/FDCPA. This has been causing me tremendous stress and XXXX XXXX, not to mention FINANCIAL concerns especially in these times of the post-pandemic. They have not been helpful in resolving and properly investigating this request as I have asked, and I have been contemplating on taking them to court to resolve this, however, it would be more helpful for me to have the accounts corrected SOONER rather than later, and thus, the main reason for me giving them, literally, ONE MORE CHANCE to do the right thing and REMOVE all these inaccurate and unverifiable information from my credit report. I hope you could help me shed light on them regarding this matter.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (WI)

Experian credit report Disputed Item : JPMCB Card Account XXXX Date opened : XX/XX/2013 Old info : ( Name was incorrect ) + Balance reported {$13000.00}!

After disputing - New info : Account charged off {$1300.00} ( Corrected spelling of my Name ) This creditor was reporting a balance of {$13000.00} since 2013! They recently updated the amount owed and this factor has been hurting my credit for the past 7 years and this has negatively effected my finances and financial ability to provide for my family. 

Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline.
Consumer complaint received 2023-02-01
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: Experian Information Solutions Inc. (TX)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX US DEPT ED Account XXXX : XXXX CONNS Account Number : XXXX U S DEPT OF ED/XXXX Account Number : XXXX U S DEPT OF ED/XXXX  Account Number : XXXX U S DEPT OF ED/XXXX  Account Number : XXXX* U S DEPT OF EDXXXXXXXX  Account Number : XXXX U S DEPT OF ED/XXXX  Account Number : XXXX U S DEPT OF ED/GSLXXXX  Account Number : XXXX U S DEPT OF ED/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-11-12
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: Exeter Finance, LLC. (TX)

To whom it may concern : My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2022-06-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$4400.00} Open balance I have never had an account with this company. 

I called them and they said I owed half of that for a store credit card, but refused to delete from my report.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (FL)

XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX I never authorized any of these credit pulls.
Consumer complaint received 2022-06-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : XXXX and LCI violated my consumer rights. i contacted the bankruptcy courts and the clerkon the phone told me that the courts never report to any credit agency, I recieved my consumer report and itsays on my report XXXX furnished my report to the bureas without my instructions and i want it deleted off my consumer report immediately. 15 U.S.C 1681 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH MY INFORMATION WITHOUT MY WRITTEN INSTRUCTIONS TRANSUNION XXXX XXXX US BANKRUPTCY COURT DISMISSED 0 LIABILITY XXXX XXXX  XXXX US BANKRUPTCY COURT DISMISSED 0 LIABILITY XXXX XXXX XXXX XXXX US BKPT CT XXXX DISMISSED 0 LIABILITY XXXX XXXX  XXXX BKPT XXXX XXXX INACCURATE DATES AND XXXX DELETED OFF MY REPORT.DELETE IT IMMEDIATELY. 

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Consumer complaint received 2023-05-08
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. (IN)

I previously made the mistake of filing my complaint over the phone with a CFPB rep and apparently that was more than he could handle as the complaint he filed was completely unrelated to the actual issue at hand and now my credit report actually looks worse than it did prior to my previous complaint. The issue as reported by the CFPB agent was not accurate. My issue was never that my credit reports were not updated since 2018 regarding this account. 

My issue is that the account is not being correctly reported by the creditor. This account was not included in or discharged in my bankruptcy. This account was paid in full, in good standing 2 months prior to my bankruptcy discharge, which they were not listed as a creditor in. They chose to close the account on their own authority due to the fact they were made aware of my bankruptcy and not because they were included in it. No debt was owed to this company at the time of my bankruptcy, nor was any debt discharged in my bankruptcy. 

Now my credit report is worse off than it was previously was, as it previously reported " Discharged through Bankruptcy XXXX  XXXXNever Late '' to now just reporting " Discharged through Bankruptcy XXXX  XXXX '' so my credit looks worse than it did previously. 

Reporting debt as being discharged in bankruptcy when it was not discharged in bankruptcy has to be violating some type of Fair Credit Reporting law and I will file a complaint with every legal entity I can until I get this resolved. 

I have attached a full list of creditors included in my 2018 XXXX  XXXX bankruptcy filing as well as the list of added creditors when my bankruptcy was moved to XXXX  XXXX to show that XXXX XXXX  XXXX was not included in the list of creditors.
Consumer complaint received 2020-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Our mortgage account with Bank of America shows a payment overdue in the account and XXXX, XXXX and XXXX statements. However, we made all payments between XXXX to XXXX of each month and the statements also reflect that. We reached out to Bank of America on XXXX. They accepted its a glitch in their system, and created a case number, saying it will be resolved in 10-15 business days. After it was not resolved within the said timeline, the case was escalated multiple times during the many phone calls to resolve this issue. Its been more than 6 weeks and the issue is not yet resolved. Currently, we are in the process of refinancing through a different lender, which we have informed to Bank of America. We need this issue to be resolved before closing refinancing. 

In addition, BoA has cancelled our mortgage auto-payment saying the delinquency in the loan disqualified us from using this service. Earlier in XXXX, we received a letter and online notice informing this service will be cancelled and the payment should be made via check, money order or cashiers check. Starting this month, they have actually cancelled the mortgage autopayment service. In addition to this we have gotten calls, mails, emails and online account notices warning that our payment is overdue, and we need to pay immediately. Whomever calls, I tell them to carefully look at the account to see if we missed payments, Then the caller will acknowledge that its their fault and the whole wheel spins again.
Consumer complaint received 2020-11-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP (NJ)

Please read my correspondence to NJ Lenders. I did not request public information I requested proof of payment from NJ Lenders to XXXX XXXX XXXX XXXX ( XXXX  ) satisfying the original purchase mortgage when I refinanced in XXXX. I am being charged astronomical costs that do Not start at the point of refinancing. I have repeatedly requested proof that the original purchase XXXX XXXX XXXX XXXX  mortgage and the amount paid. I have received absolutely nothing at all not even a trace back to XXXX. Does NJ Lenders expect a client to pay a grossly inflated amount and produce absolutely no backup information and dictate an amount owed. Please look at the attachment and examine the facts. 

NJ Lenders has recorded many public records. NJ Lenders has failed to record transaction records such as the lien release of my original purchase XXXX XXXX XXXX XXXX ( XXXX ) mortgage along with the satisfaction and discharge of my original purchase XXXX XXXX XXXX XXXX mortgage that clarifies the amount paid to XXXX finalizing the pay-off. Your response merely references the recording and perhaps the filing of public records that does not mean a XXXX was paid to XXXX XXXX XXXX XXXX  and I can end up paying astronomical inflated costs without any paper back up. I have requested the same information and NJ Lenders continues to send me non transactional records. Please take a look at the attachment. It appears that NJ Lenders did not pay off my mortgage. The XXXX property records show the bank XXXX XXXX and XXXX while the records NJ Lenders has filed claim XXXX XXXX is the bank, where is the XXXX XXXX XXXX  codes? Take a look at the XXXX mortgage interest statement XXXX XXXX XXXX XXXX lists the LOAN SETUP as if the XXXX XXXX XXXX XXXX Mortgage was not paid and NJ Lenders just simply slapped a property lien on my property. I have the cancelled checks paid to XXXX XXXX XXXX XXXX with the account number XXXX written on the checks that include the hazard insurance I paid and it has not been deducted from the pay-off statement. I have the cancelled checks and they will not even deduct the monies paid. So far NJ Lenders has not produced a trace to XXXX XXXX XXXX XXXX  and still claim to have paid off the mortgage. Your response evades producing the lien release that you claim was paid to XXXX. The mortgage was not satisfied and there is no record of any discharge at all. This is very disreputable to say the least. I have asked for the same records and get the same story as if NJ Lenders never paid off anything and simply slapped a lien on my property. XXXX XXXX XXXX XXXX  has not produced any record of the mortgage NJ Lenders has claimed to pay off.

Its clear that NJ Lenders is not able to produce anything at all. PLEASE dont keep send me things that I have not requested. I would like to start a criminal investigation.