davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (NV)

COMPLAINT # I 'VE ALREADY MADE TWO PAYMENTS FOR OUR MORTGAGE..XX/XX/XXXX ANDXX/XX/XXXXIN THE AMOUNT OF " {$1800.00} INCLUDING ESCROW ''. MY " TAX-EXEMPTION '' IS NOT BEEN DEDUCTED EVER SINCE. I AM HOPING STEARNS LENDING WILL REIMBURSE MY MONEY FROM THE TWO MONTHS OR WHATEVER LENGTH OF TIME THEY TRY TO LEAD ME ON WITH THEIR UNRIGHTEOUS DOMINION, VS. UNSCRUPULOUS CONDUCT.
I RECEIVED A RESPONSE FROM THEM ONXX/XX/XXXX. A COMPLAINT CASE #XX/XX/XXXX STATING IN RESPONSE TO ( CFPB ) : THERE ADDRESS : STERNS LENDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I AM STILL WAITING FOR WHATEVER IS TAKING THEM SO LONG. I DISCLOSED MY TAX-EXEMPTION TO THEM DURING THE PROCESS OF PURCHASING OUR HOME IN XX/XX/XXXX, AND AGAIN IN XX/XX/XXXX TAX-EXEMPTION # XXXX XXXX AND PARCEL # XXXX. HAS BEEN PROVIDED TO THEM AHEAD TIME. SINCERELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( WIFE. XXXX XXXX VETERAN, XXXX XXXX XXXX ... I AM ALSO : XXXX XXXX XXXX XXXX VETERAN '' ACCORDING TO MY MEDICAL RECORDS WITH THE VA REGIONAL OFFICES STATES WHERE I LIVED PREVIOUSLY .... ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 3 ) XXXX ( 4 ) XXXX XXXX XXXX XXXX., AND NOW ; XXXX XXXX XXXX
Consumer complaint received 2021-10-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am troubled and upset by recent actions taken by Bank of America 's subsidiary Merrill Lynch. The first was a XX/XX/2021 email notice from Merrill Lynch under the subject, Action Needed : Please call us as soon as possible to confirm or update your Merrill Lynch Account Information. Warry that the telephone number could lead to risk of fraud, I logged in to my Merrill Lynch account. 

I was astounded an upset that I was forced to update my account before actually being able to enter the account. Proceeding through the long laundry list of information that I was forced to supply in order to get past the update roadblock I grew more and more upset by the information being asked for. None of the information required was essential or beneficial to my interaction with Merrill Lynch. All of the information required is beneficial only to Merrill Lynch employees who might choose to use it to attempt to do more business with me or make more profit off of my account. 

Ive now wasted an hour of my time providing information that is in no way beneficial to me and can be used by Merrill Lynch and Bank of America in a way that is detrimental to me. This forced action by Merrill Lynch and Bank of America reminds me of the actions taken by XXXX XXXX XXXX  over a period of years that were not in their customers best interest. 

I no longer trust Merrill Lynch or Bank of America as I have in the past. This forced siphoning of information from me seems unethical and perhaps even illegal. 

I believe the Consumer Financial Protection Bureau should investigate this inappropriate and forced fishing expedition for information.
Consumer complaint received 2021-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TN)

1.I have never had an account with this company AFNI XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are AFNI the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX # XXXX XX/XX/XXXX
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-29
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. XXXX XXXX {$1100.00} XXXX {$630.00} XXXX XXXX {$10000.00} XXXX XXXX {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$5600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$110.00}
Consumer complaint received 2021-11-29
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX PL XXXX, NY XXXX Employer : XXXX XXXX
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

My Discover card is a card I seldom use, and as a result, I don't check the balances as often as other cards. This card was charged by a merchant incorrectly and as a result, the bill was not paid and resulted in negative reporting against my credit report for the months of XXXX, XXXX, XXXX, and XXXX of 2018. When I contacted the merchant they claimed responsibility and refunds were issued back to the original charged card, the Discover in question. I opened a case with the office of the president to get my credit profile updated with the proper information and they still have yet to do it.
Consumer complaint received 2021-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

I have a loan that has been sold to XXXX XXXX and the servicing records are not correct. I have repeatedly reached out to the original servicer and new servicer, but they have not corrected this nor provided any conclusion. Basically, the file transferred did not reflect my XXXX payment, which was made on XX/XX/2021. I have received statements from the original servicer reflecting the payment and provided statements reflecting this to the new servicer. I am also without these funds, as they were withdrawn via XXXX through a file originated on behalf of the original servicer. 

My loan was formerly sub-serviced by The XXXX XXXX XXXX ( XXXX # XXXX ). The servicing was transferred to Specialized Loan Serving ( XXXX # XXXX ). 

I have reached out Specialized Loan Serving via email on the following dates, providing them detailed support : XX/XX/2021 XX/XX/2021 Additionally, I have reached via phone to Specialized Loan Servicing on multiple occasions and they have recordings and details of all of these calls. Lastly, I've reached out to The XXXX XXXX to no avail. For this reason, I'm reaching out to the CFPB. 

My loan is now appearing as past due and Specialized Loan Servicing ( XXXX # XXXXXXXX ) is subjecting me to collection calls and correspondence, which is inappropriate given the fact that I have reached out to them on numerous occasions, as I am not past due - they just have bad records. 

I hope the CFPB can direct my complaint to the companies, XXXX XXXX and/or the appropriate regulatory authority to help address this simple, but personally significant error.
Consumer complaint received 2021-11-28
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: AMERICAN EXPRESS COMPANY (IL)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.
Consumer complaint received 2022-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit Corporation (VA)

I don't have any knowledge of this account, I receive no communication in mail and when I researched company no information, and when sent to original they had no clue of the debt and letter was returned, I sent request of validation to company reporting and tho the credit bureau and got no response.
Consumer complaint received 2018-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C. (IL)

Today XX/XX/18, I received the attached notice ( Wage Garnishment Notice ) letter from the Law Firm ( Blitt & Gaines. P.C ) representing a Collection Agency ( XXXX XXXX ) regarding a debt owed to one of my creditor ( XXXX XXXX ) for an erroneous amount of {$2800.00}. 
On XX/XX/18, I contacted the Law Firm- Blitt & Gaines and spoke with a Mr. XXXX XXXX ext XXXX, and explained that I did not owe the requested amount of {$2400.00} ( at that time ) to XXXX XXXX and please provide documentation to support the charges. I was told by Mr. XXXX, that the Law Firm would return the debt to the Collection Agency for  validation and to call back in a week. On XX/XX/18, I called back but was not able to speak with Mr. XXXX, so I left a voice mail message asking to return my call at XXXX, regarding the current dispute with XXXX on behalf of XXXX XXXX. I never heard from Mr. XXXX at that time. 
On XX/XX/18, I called again and spoke with Mr. XXXX and asked him why didn't he return my call, because I would really like to settle this debt. I was told that he had a note in the file that say " do not call me '' and was honoring that agreement. I said, but when we last spoke and you asked if you could call me back and I gave you my number. He then preceded to tell me he had not heard back from the XXXX/XXXX XXXX, give it a couple more weeks. Wow! 
On XX/XX/18 ( Four months later ), I received this notice to garnished my wages. How is this possible, when I have repeatedly disputed this debt with with this Law firm? 

Please help stop this kind of Injustice, to the consumer. I have been trying to work with all my creditors a and have been successful, unless they are like thisLaw Firm. 

I would like them to cease and desist collection matters on this account!
Consumer complaint received 2018-08-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

In XXXX, XXXX, a call was placed to Navient to discuss repayment options. I was Instructed to call back in XXXX, since my loans were in a grace period until XX/XX/2018. XX/XX/2018, I called Navient and explained that financially I could not manage the current loan payment and I was seeking an alternative payment plan. I was told that there were no options since I have a co-signer. My co-signer called Navient and gave a financial statement with the goal of reducing the monthly student loan payment. Again, I was told they could reduce payment by XXXX dollars a month, forebearance or refinance. On XX/XX/XXXX I called again with the intent of lowering my monthly payment. I was told there were no options. I filed a temporary forebearance.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

In XX/XX/XXXX, my XXXX XXXX XXXX was involved in an accident and totaled out with a pay-off amount of {$14000.00}. I did not have GAP insurance but my insurance company ( XXXX ) was able to cover {$12000.00} and the Ancillary product refund was {$600.00}. I had made every on-time monthly payment from the purchase of the vehicle and then past the accident. Normal on-time payments were made after the fact to pay off the incorrect remaining balance of {$1700.00}. Even though there was no vehicle I continued to make payments. In XX/XX/XXXX, I made a {$50.00} payment at the beginning of the month and when I went to make a second payment on the XXXX the payment portal was blocked. I called the number listed and spoke to a customer service rep, she stated that my account was in another department and that I should receive a letter with the final balance. I did not receive a letter and waited. On XX/XX/XXXX I received a Hyundai finance alert paperless bill for {$220.00} due on the XXXX of XXXX, XXXX. This billing was obviously wrong My thought process was that maybe Hyundai Motor Capital was giving me a break and extended the term to pay-off over time. I was wrong. 
On XXXX the XXXX I received a call from Hyundai Motor Capital and spoke with Mr. XXXX XXXX. He stated that I had a balance due. I told him that I had tried to make a payment and I was locked out of the portal. I explained to him that I did not recieve a final bill and I asked if he could email the final bill which he did and if I can continue to make payments of {$200.00} more on the balance. He said yes. 
Hyundai charged off my account without warning to me and misreporting and not properly reporting to the bureaus over several months and while I was making payments on the account balance. I called several times to try and fix this. I wrote a letter showing that my intent was to do right all along. This account is paid in full. This is wrong to do to people.
Consumer complaint received 2021-11-28
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: EQUIFAX, INC. (OH)

Looking over my credit report and notice some hard inquiries that I do not recognize and are all over 90 days old and this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-11-28
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: HYUNDAI CAPITAL AMERICA (FL)

I was at a dealership, XXXX XXXX on XXXX XXXX in XXXX XXXX XXXX Florida. They told me they were just going to do a soft credit check to see my credit score and I only authorized for that to be checked. They then without my authorization ran my social through a Kia Motor Finance without even asking me if they could that. I asked them about it because the sales person was acting very strange and did not bring a manager over, I asked her if they were doing something else, I specifically asked that my social would not be run through anything else because I did not give any authorization for it. She said they had not run anything yet but they in fact did and that affected my credit score. I want to report this because that affected my score without my authorization and I strongly believe that should be done about this. I did not want to check for any financing or loans we had not gotten to the point of discussing any of that and they lied to me, she told me they did not run my social and that they did not do any hard inquiries and they actually did. I want something to be done.
Consumer complaint received 2018-08-08
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. (FL)

TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL  XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX   XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX   XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX  v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX