davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
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. (MD)

Experian, this is my last warning about the XXXX account on my credit report. I have recently submitted a dispute concerning that account because they have reported a miss payment for XX/XX/XXXX with a past due amount of {$230.00}. It was the only miss payment on my payment history for the past 5 years that I have had that car loan. I have uploaded the payment receipt as proof of payment thinking that it will be resolved but it became worse than what it was. They added 3 more miss payments to my account. I dont know who does that, who is in charge of updating customers report from XXXX XXXX This person probably had a bad day and put his/her frustration on other people but they are messing with the wrong person. Until 2 weeks ago this account was current for the past 5 years with zero ( 0 ) miss payment and suddenly it was late in XXXX!?? They even said that it was late in XX/XX/XXXXXXXX while I have paid and have my receipt. Experian DO NOT PLAY THEIR GAME! They are probably upset because I wrote a review on XXXX XXXX XXXX about them. I repeat DO NOT PLAY THEIR GAME! I hope this letter goes to a human being and not to a computer. At this point I dont even wan na talk to XXXX anymore since I filed a lawsuit in federal court against them yesterday. They wan na play? okay we will see if they will love it. I have proof of everything I say. I repeat, Experian update my credit report as it was before that mess otherwise I will also file a lawsuit against you for voluntarily keeping inaccurate information on my credit report. I have already uploaded the proof on my previous dispute. Consider this letter as my last and final warning. As you can see I am not scared of taking that XXXX to court. My lawyer is confident about the case and I am too, I have proof of everything I say. Again update my credit history how it was before XX/XX/XXXX and correct the XXXX miss payment otherwise I will also file a lawsuit against you. I am not scared of anything or anybody on this earth and the universe except GOD and he is by my side!
Consumer complaint received 2023-05-27
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. (IA)

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 
In Accordance with the Fair Credit Reporting act, DEPT OF EDUCATIONXXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I am a victim of identity theft. The following account and inquiries are authorized and fraudulent : 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 Bank, XXXX/XXXX/XXXX
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To Whom It May Concern My wife and I have been contacting Bank Of America for about two months now and getting no helping answers leaving us very disappointed with B of A. We have a 15 year loan and are final payment according are contract is XXXX/XXXX/XXXX. Are most recent statement says that are contractual remaining term is 05 months. The problem with this is we will have a balance of approximately XXXX dollars now we were able to get a customer service person that told us who was not even sure but said come to the end of this term we would need to have the balance payed off in full or Bank Of America will take action with foreclosure on are home and it will affect our credit. 
Trustworthy and reliable customer for about 15 years current with all payments and yes We are considering going with another financial institution if this situation is not going to work for us. 
Thank You XXXX XXXX Here is my follow up letter on this situation after receiving a letter on XXXX/XXXX/XXXX from Bank Of America -- I am going to make this short It does not take 24 days to research this problem It takes about one hour only because as I had mentioned in the first letter to customer relations with Bank Of America. I have received a letter from XXXX XXXX regarding a search on our loan. But this search is from a different loan this is not ours and the only note that was sent was our promissory Note from XXXX XXXX XXXX which reads our final payment due XXXX/XXXX/XXXX Not XXXX XXXX! There is No Resolution To this Legal and binding Contract. Please be advised any more notes or History of payments will not be accepted. We need an explanation of why our loan was extended without an approval and a signed plan of documentation. And lastly We have No plans of using modification, to cover this Bank Of America system of doing Business this is Not good Business, and please note on your letter you state that you are a dept collector I hope you are not for the reason of LEGAL matters, If so then we have a situation with our understanding on our Loan. 
Thank You XXXX XXXX
Consumer complaint received 2023-05-27
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2015-08-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STONEGATE MORTGAGE CORPORATION (IA)

We received a letter dated XXXX XXXX, 2015. The letter stated we may be eligible for a FHA Hamp with Partial Claim. To accept this offer we were required to make our XXXX monthly " trial plan payment '' under our Trial Payment Plan. The Trial Payment Plan was as follows:XXXX payment : {$1300.00} by XXXX/XXXX/15XXXX payment {$1300.00} by XXXX/XXXX/15XXXX payment {$1300.00} by XXXX/XXXX/15The plan further stated each payment had to be received by Stonegate Mortgage within 15 days of the trial payment plan due date. 
We made the trial payments as follows:XXXX payment {$1400.00} on XXXX/XXXX/15XXXX payment {$1300.00} on XXXX/XXXX/15XXXX payment {$1300.00} on XXXX/XXXX/15We have successfully remitted the trial period payments and have not received any further notification from our mortgage company advising us how to proceed. We did receive a phone call from a Stonegate representative stating our trial payments were short by approximately {$40.00}. We challenged that statement and have documentation to show all of our trial payments were made successfully. The representative stated they would research the matter and get back to us. We have n't heard back. 
We need to know what the next steps are. We need to know if we are approved for the FHA Hamp with Partial Claim. We have n't received anything in writing or verbal from Stonegate advising us how to proceed now that we have successfully completed the Trial Payment Plan.
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I had a chapter XXXX bankruptcy that I was discharged from in XXXX of 2015. I have XXXX mortgages that are serviced by Ditech, loan # s XXXX and XXXX. Ditech continues to report my accounts as in Bankruptcy and has been appling additional payments to principal made during the bankruptcy period and since my release to future payments, instead of reducing my outstanding loan amount. I have contacted Ditech numerous times and have provided requested documentation and they have yet corrected either item. The process of correcting these items has cost me a tremendous amount of time and continues to affect my credit rating, my ability to refinance these variable rate loans and cost me additional interest expense due to the improper allocation of principal.
Consumer complaint received 2023-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

USAA FEDERAL SAVINGS BANK HAS ILLEGALLY DEFRAUDED THE CLAIMANT BY ADMITTING ON XXXX XXXX XXXX THAT MULTIPLE ILLEGAL VISA CREDIT CARS WERE OPENED BY CYBERCRIMINALS AND FINANCIAL THEFT HAS BEEN UNRESOLVED FOR OVER 12 MONTHS WITHOUT CLOSURE 
THIS SERIOUS HACKING OF MY EXCELLENT NAME AND CREDIT RATING IS OUTRAGEOUS AND EXTREMELY FRUSTRATING AND THE TERMINATION OF ALL ACCOUNTS IS REQUIRED BY THE CLAIMANT IMMEDIATELY 
THIS MATTER HAS BEEN REPORTED TO THE FBI IN XXXX XXXX TEXAS AND THE 
FBI IN XXXX XXXX NEVADA IN CHARACTER ASSINATION IN ILLEGAL XXXX  INDEMNITY 
THE CONSUMER FINANCIAL PROTECTION BEAREAU MUST INVESTIGATE ALL FRAUD AT
USAA BANK  WITH ALL FRAUD DEPARTMENT OFFICIALS INCLUDING XXXX XXXX IMMEDIATELY AND REQUIRE A WRITTEN CRIMINAL INVESTIGATION WITH REPORT TO THE VICTIM OF IDENTITY THEFT AT 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX
INVESTIGATE WITH IMPUNITY IMMEDIATELY!
Consumer complaint received 2016-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (CO)

I am trying to refinance my mortgage and was working on collecting information on my student loans. I was trying to gather information that included account numbers, monthly payment, and the remaining number of payments for each of my loans, but was unable to find all of the information on Navient 's website. I have XXXX outstanding loans and XXXX that is paid in full from XXXX different institutions. I tried gathering the information from the current Navient website, the old website, and my monthly statements, but was unable to get the individual account numbers or the payments remaining. Because I made an extra payment at some point in the past for many of my loans and have automatic debits set up, there was n't a quick view to get information on monthly payments for each of the loans. I wound up having to click on each individual loan, get the ( limited ) information I could, and then provide as much information as I could, which ended up being just the monthly payments. I was unable to find the individual account numbers for each of my loans ; Navient 's website numbers them XXXX-XXXX, but those are n't the account numbers used. I could n't find the months remaining on my loans anywhere, even though I spent more than half an hour clicking through various links. 

Luckily the credit union I 'm working with for the refinance was able to pull information for me once I 'd provided the basics, but Navient 's website is not consumer-friendly. The old website does a better job at putting most of the relevant information for individual loans into a readable format, but again, it requires way too much clicking to be convenient.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION (MI)

I perversely reported this I did not make theses changes there are XXXX accounts where both cards was used theses card again my identity was stolen. 

Account XXXXXXXX XXXX XXXX XXXXXXXX {$460.00} as of XXXX .... 
ance XX/XX/XXXX Date opened XXXX XX/XX/XXXX Account charged off. 
{$560.00} written off. {$460.00} past due as of XX/XX/XXXX. 
XXXX Dispute Account name XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX {$10000.00} as of XXXX... 
ance XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off, {$10000.00} written off. 
{$10000.00} past due as of XX/XX/XXXX.
Consumer complaint received 2023-05-27
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. (NY)

I am writing to submit a formal complaint and dispute regarding the inaccurate information reported on my credit report by Experian. I contacted Experian on XX/XX/XXXX to address the following issue, but to date, I have not received any response. I kindly request your intervention and assistance in resolving this credit reporting error. The details of the inaccuracy and the required correction are as follows : Account : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The account listed as XXXX  XXXX XXXX does not belong to me. I request that Experian remove this account from my credit report as it is not associated with my financial history or activities.
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

YESTERDAY..TRANSUNION CONCLUDED INVESTIGATION ON XXXX XXXX ON THE RESULT ATTACHED transunion in the remarks says falsely and inaccurately that the account was settled for less than balance.I want complete information to report, I want the amount I paid on XXXX/XXXX/2016 to be the recent payment : {$260.00} and amount paid {$260.00} on the report.I want {$250.00} to stay on the report as the correct amt. of original collection.I have included creditor letters. 
IF TRANSUNION DOES NOT REPORT THE AMOUNT ACTUALLY PAID ON THE REPORT ... TRANSUNION MAY BE AIDING AND ABETTING AND CONSPIRING WITH XXXX IN A CA ROSENTHAL FDCPA VIOLATION OF ARTICLE 2.6. ( ATTACHED ) additionally today transunion would not start a dispute on the phone or on-line.I called XXXX two times was transferred 4 times each until I was left with a voice-mail. 
I clearly stated the purpose of my call to XXXX different people to dispute on my credit report. 
The previous CFPB INVESTIGATIONS SHOW THAT TRANSUNION HAS A PATTERN OF VERIFYING SERIOUS FALSE, DAMAGING INFORMATION ON MY CREDIT REPORT.
Consumer complaint received 2023-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CA)

Unable to transfer funds through ACH, transfer from my account to a different account of mine. 
Originally contacted XXXX XXXX about the issue on XX/XX/XXXX. Received a ticket # and told " engineering team will look into it ''. 

Received a response on XX/XX/XXXX stating " its a known error and hoping for a resolution in the next few months and was advised to write checks .... '' I believe this is an inadequate timeline, " hoping '' " for next few months '', The ability to ACH transfer to an external account is a feature that every bank in XXXX has. The fact that this doesn't work and isn't properly being addressed is kind of ridiculous. 

Attaching proof of contact.
Consumer complaint received 2023-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX placed 5 derogatory accounts on my consumer report, I have asked for verification be sent to me however I never received any documents showing proof However XXXX XXXX took it among themselves to feel as is they could just place inaccurate accounts on my report. 
According to 15 USC 1692a ( 2 ) the term communication means conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes oral, written, electronic or any others which includes nonaffiliated third parties such as the 3 CRAs. 15 USC 6801 ( a ) states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Be Advised that I have not given any Company consent to share my nonpublic personal information. This Company has not only infringed my rights to privacy but has violated multiple Federal Laws. Transunion allowed XXXX XXXX access to my consumer report without my permission, XXXX XXXX had no legal documentation allowing for them to give my personal information. Information obtained by aggravated identity theft is defiantly illegal. I have had ongoing problems with the 3 Credit Agencies not doing their job to properly verify accounts before placing them on reports. This has been reported and will remain being reported as SOMEONE IS BREAKING THE LAW. REMOVE ALL FALSE INFORMATION NOW, XXXX XXXX could not send verification to me proving these accounts where mine. They SAID ALL FALSE ACCOUNTS WOULD BE REMOVED, YET THAT HAS FAILED TO HAPPEN. Alot of illegal activity going on. XXXX XXXX still has not responded to the last Complaint. With that being said I'm requesting that the documents XXXX XXXX presented to Transunion be mailed to me along with information Transunion gathered that gave them the authority to give access to my personal information. I'll be looking for these documents in the mail along with an updated Credit Report. Again, I have not given anyone permission to share my personal information. I will have this looked into by Federal Authorities as it's clear that these accounts were placed on my report with extortionate means as a way to coerce and swindle me into paying debt that does not belong to me. You have damaged my credit. I will seek compensation for all of this.
Consumer complaint received 2023-05-27
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. (TX)

I am submitting this formal complaint regarding the flagrant presence of fraudulent information on my Credit Reports. It is crucial to note that I previously corresponded with the Credit Reporting Agencies on XX/XX/2023, providing comprehensive attachments containing my personal information. I must emphasize that I am a victim of identity theft, a matter duly reported to the FTC. The disputed items bear no relation to any transactions I have authorized or derived any benefit from as a result of the identity theft. I draw your attention to Section 605b of the Fair Credit Reporting Act ( FCRA ), which explicitly places the responsibility on Credit Reporting Agencies to eliminate any accounts and information indicated in an ID Theft Report. Furthermore, Section 605B ( a ) of the FCRA mandates that the CREDIT REPORTING AGENCIES promptly block any information within the consumer 's file that the consumer identifies as resulting from identity theft, within four business days of receipt. XXXX  XXXX XXXX XXXX  : {$6900.00} XXXX  XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXXXXXX XXXX  : {$0.00}. The items listed are direct ramifications of the identity theft, and as such, I demand that the Credit Bureaus fulfill their legal obligation by expunging them from my Credit File.
Consumer complaint received 2023-05-27
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.