davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, my husband died while visiting our daughter in XXXX. I took a loss and sold our condo in XXXX XXXX. I presented the death certificate at closing and gave Bank of America ( BOA ) an original copy of it at the banking center on XXXX XXXX. 
The loan was paid off and a remaining escrow check was sent in the name of my husband, XXXX XXXX, on XX/XX/XXXX, ( check no. XXXX ) in the amount of {$2300.00}. 
Our joint account was forced closed by XXXX XXXX when they received notice of his passing, therefore I had no account to deposit it to with XXXX 's name. I took it to Bank of America which stated I would have to open an Estate account to deposit the check and would need to file with the courts. 
With the help of an attorney, the Circuit court Judge for XXXX County Probate Division, Honorable XXXX XXXX XXXX, signed the Order of Disposition of Personal Property without Administration ordering BOA to reissue the check in my name on XX/XX/XXXX at XXXX XXXX. This order was sent to BOA by my attorney on XX/XX/XXXX. I followed up with a call on XX/XX/XXXX ( After 1 hr, 51 minutes on hold ). XXXX ( BOA Rep ) stated I needed to call back and speak to the Estate services Dept., XX/XX/XXXX XXXX and XXXX from Estate Services Dept. said they don't see the document. XX/XX/XXXX I had my attorney send it again to the name change unit via Fax at ( XXXX ) XXXX and through mail XXXX XXXX XXXX XXXX, Fl XXXX. 
XX/XX/XXXX ( After 1 hr. 21 mins. on hold ) XXXX ( BOA Rep ) stated she didn't see the documents. I told her they had already been sent twice. She researched another location and finally found the documents and submitted a request for check processing stating the estimated time would be XX/XX/XXXX before I'd hear back and gave me Request ID # XXXX to reference. 
On XX/XX/XXXX I received a letter stating BOA needed more time to research the request and would send a response in 15 days. As of XX/XX/XXXX, I haven't heard anything further. XX/XX/XXXX ( After being on hold for 1 hr. 34 minutes ) XXXX ( BOA Rep ) stated the check was reissued on XX/XX/XXXX but was unsure why it wasn't sent and transferred me to XXXX which stated she couldn't release any information because I'm not on the account and has no record of any court documents. She stated she had the account up and didn't need to look at request ID # XXXX. After I insisted on speaking to a manager, she stated they would call me back in 48 hours. 

This is the same process I have repeated on 2 prior occasions. I have spent over {$500.00} in attorney and filing fees trying to get BOA to refund me the {$2300.00} I paid into escrow and still no progress after a year!! I don't know what else to do
Consumer complaint received 2020-12-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

My Mortgage/Equity was placed on Auto-Forbearance without my permission. I continued to make Interest Only Mo payments as per C.A.R.E.S FHA RULING. 

I have had 10 reveiws for relief by subornination, loss of mitigation, SRCA VET settlement, Balloon, and now a SHORT SALE. WF has ruined my Fico Score to XXXX with Usury Charges. WF tried to balloon me earlier [ 2 mos ] before my XX/XX/2019 matured date? 

Still won't release my Lien after payoff Bal=XXXX?
Consumer complaint received 2023-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/23 I was scammed by a person from XXXX for a digital asset. Upon paying the user, she stated that the payment was pending which isnt true because it left my bank account. Upon requesting my {$100.00} back, she blocked me on the platform making me unable to obtain the assets that I paid for. 

The platform the conversation is on is XXXX XXXX XXXX XXXX XXXX XXXX and the money was sent via Paypal ( Transaction ID : ) I reached out to paypal, and they stated that they were unable to open a dispute because she forced me to send it friends and family.
Consumer complaint received 2023-03-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TOTAL MORTGAGE SERVICES LLC (MA)

We contacted XXXX XXXX  XXXX XXXX # XXXX back in XX/XX/XXXX to get a mortgage loan for the house. The loan number is XXXX. 
- Their office manager XXXX XXXX orally and wrote in multiple emails confirming that our rate was locked at 5.125 % with no point on XX/XX/XXXX, but he actually locked us at 5.5 % with XXXX point and sneaked this in the agreement without telling us in advance until we read the agreement and noticed this after a few days. We negotiated with him, and he promised to ask for the discount to get us to the 5.5 % without any point before the closing. 
- On XX/XX/XXXX, they vetted all of my income and offered me the commitment letter. I asked him about that XXXX point he promised to remove, but he told me to send him more clients and then he can help me with that. Hes basically asking me to bribe him. 
- However, they suddenly came back to me on XX/XX/XXXX and said that my income doesnt qualify anymore and wanted to raise our rate to 5.99 % in the last minute without any valid information. At this point the rate already went up nationwide, and we missed the window to get a good rate as 5.5 % because of the fraud they committed to change the rate after they locked it. 
- We didnt have enough cash to buy the XXXX point to lower it from 5.99 % to 5.5 %, and our closing date is on XX/XX/XXXX in two weeks, so we had to go with 5.99 % interest with another lender because XXXX XXXX XXXX committing fraud and we dont trust them anymore, and we dont have the {$5700.00} cash to buy the point from 5.99 % to 5.5 % at this point. 
- We reached out to their XXXX XXXX XXXX, but he only refunded the appraisal fee we paid to them, and refused to pay the {$5700.00} to cover our financial loss.
Consumer complaint received 2022-05-14
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: EQUIFAX, INC. (PA)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (CA)

I have a loan with XXXX Bank and XXXX XXXX, I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. The XXXX credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2020-12-10
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (MD)

I have been in constant contact with ally financial, i made a partial payment in XXXX, but full payments every month since, i have been trying to catch up the other part of the payment which is roughly XXXX/XXXX to bring it current. 

I have requested for them to not call before XXXX as I am at work and it can get me in trouble and costs me my job, and they stated it was notated on my account to not call before XXXX. 

Monday  XX/XX/2020 Ally financial contacted me at XXXX XXXX  and when i spoke to them on monday  I again informed them that I am at work and can not talk and do not contact me before XXXX. The lady said it is notated in the account but they close at XXXX and i said fine then change it to XXXX but I am currently at work and I'm usually off between XXXX and XXXX and can't talk she continued to try to collect a payment from me after I informed her that I am at work and can not talk. she said she notated the account to not call before XXXX. 

I told her I will call them Thursday  XX/XX/XXXX in regards to the account and possible payment. 

Today is Thursday  XX/XX/XXXX and they called me at XXXX XXXX  I answered and told them I'm at work and asked why are you contacting me during this time I just spoke to you guys monday  telling you not to contact me before XXXX and that I will be giving you a call today after work. She hung up on. 

I called them back, after speaking to the team lead at work to take a moment to handle this and I proceeded to speak to another lady at ally financial complaining about this situation. She apologized and said she is notating it in the account, i said it's been notated in the account, it used to be XXXX, then monday  I said ok change it to XXXX because you guys close at XXXX, i requested to speak to a supervisor i spent the next 15 to 20 minutes on hold waiting for a supervisor. 

The supervisor finally gets on, his name is XXXX, very nice very professional and says its notated and apologizes again as well. All of this for XXXX????????? I pay XXXX a month for a car payment. 

My payment history isn't perfect but I pay the bill, this is the latest I've been with the bill and it's only a partial payment. they have threatened to repossess my vehicle by sending out a repo letter which I was able to get avoided by making my normal payment. The repo letter was because I'm XXXX behind, I have requested a rewrite in which I was informed that if i pay the XXXX they can rewrite my account to make my payments smaller. I was told this by the lady on monday  's call. XXXX, the supervisor informed me today that I have to pay XXXX plus XXXX for late charges before they can rewrite my contract to make the payments lower. I'm just trying to catch up on the bill and have been very forthcoming and very much in constant contact and communication with the company. Yet they keep calling during my work hours which i have asked them not to and they are telling me 2 different things.
Consumer complaint received 2022-07-28
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)

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX Balance Owed : {$850.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$3100.00}, XXXX XXXX Balance Owed : {$150.00}, XXXX XXXX XXXX Balance Owed : {$530.00}, XXXX XXXX XXXX Balance Owed : {$780.00}, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX VERIFY Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2023-01-22
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-07-28
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. (VA)

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXXXXXX XXXX Balance : {$470.00} ; XXXX  XXXX XXXX Balance : {$870.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX {$900.00} XXXX XXXX XXXX Bankruptcy XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX  Bankruptcy XXXX XXXX  : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXX  : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXXy : {$0.00} ; XXXX XXXX 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
Consumer complaint received 2022-07-28
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. (NC)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$260.00} ; XXXX  XXXX Balance Owed : {$5300.00} ; XXXX XXXXXXXX Balance Owed : {$190.00} ; Medical XXXX Balance Owed : {$3600.00} ; XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-28
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. (FL)

I recently have come to find out someone has been using my personal information to get medical care. Some time ago I received a letter from XXXX stating that I had received a medical bill for {$1900.00} dollars. I was never in the hospital on whatever said date and have never even been a patient at this hospital. 
This is the information on the account : Account info Experian Report # XXXX XXXX Account number XXXX Date opened XX/XX/2022 I have since filed a report with the FTC and have attached it to this complaint. The FTC Identity report number is XXXX. 
I have included a written statement on the identity theft report along with attaching a picture of my driver 's license and social for verification. 
I would like this account removed from my credit file because it is fraud. Thank you.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Under the Fair Credit Reporting Act, this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX XXXX XXXX has not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2021-04-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and XXXX  statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$15000.00}.
Consumer complaint received 2022-04-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (WA)

The lender is one of a growing number which appears to be subjecting penalties targeting XXXXs who invoked forbearance protections in violation of VA Circulars not limited to XXXX, XXXX, the Cares Act, and Public Laws 116-33 & 115-174 When a new cash out refinance loan exceeds the amount of the original loan principal, seasoning of the loan does not apply per 38 USC 3709 ( d ). In XXXX I applied first for an equity line of credit. When that failed, I then applied for a VA Type II cash out refinance also in XXXX. The lender erroneously insisted because covid forbearance resulted in credit reporting suppression until XXXX of XXXX that no payments were made until XX/XX/XXXX. I explained that I continued to make payments despite forbearance credit reporting suppressions. Nevertheless, my applications where canceled because the lender insisted, I needed to make 12 months of payments for the equity line of credit. In the alternative, I would need to make 6 months of payments to obtain a VA backed refinance. 

When I explained to the lender no seasoning is required under the exception for Type II cash out refinances, my concerns were ignored, and my loan application was canceled despite superior credit worthiness. It is particularly inherently predatory and discouraging to XXXX for lenders to apply seasoning to all VA backed loans in violation of the statutory rights to the cash out refinance seasoning exceptions under 38 USC 3709 ( d ). Lenders are not allowed to consider XXXX an unsatisfactory credit risk since the Veteran received some type of Covid emergency relief. Pentagon Federal explicitly used deferred payments, or the appearance thereof based on credit suppression, as the sole reason to deny credit. This per XXXX XXXX by telephone and memorialized shortly thereafter by email seeking confirmation on XX/XX/XXXX. Even though I tried to reason with the lender outside of this process, such attempts are fruitless.