davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Homeowner is a XXXX divorced woman. she is a XXXX, needing assistance to do simple task like taxes, answering the phone or even walking. 
The homeowner has been fighting the investor : Countrywide Financial, inc., XXXX, Bank of America and XXXX. 
The homeowner has filed Bankruptcy Ch. XXXX and will be dismissed on XXXX. 
The homeowner has ordered a XXXX Securitization Audit and show strong evidence that the following possible violations exist : 1. Broken chain of title. 
2. No just standing 3. Gross fragmentation of the note to XXXX. 
The home owners XXXX audit produced in XXXX also show strong known robo signer participation in MERS documents and more. 
The Homeowner alleges the following investor, XXXX ; most likely know of the broken title and no just standing : but started the foreclosure process without just standing. The investor, XXXX include : : COUNTRYWIDE HOME LOANS, INC. ; THE XXXX AS TRUSTEE FOR SECURITIZED TRUST XXXX XXXX XXXX ; COUNTRYWIDE HOME LOANS ; XXXX. ; COUNTRYWIDE HOME LOANS SERVICING LP ; MORTGAGE ELECTRONIC REGISTRATION SYSTEM, AKA " MERS '' AND DOES XXXX THROUGH XXXX, INCLUSIVE. 

The complaint includes : 1. LACK OF STANDING TO FORECLOSE ; 2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF XXXX ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. RESCISSION. 
Recently Bank of America NA hired a paralegal company to respond to previous complaint : the XXXX. The response diverted any answers from complaint : by not answering any of the complaint issues. They simple just wrote back that Bank of America was compliant and did not answer the complaint issues of broken title or wrongful foreclosure. This paralegal novice did not know how to answer the complaint. The simple response was forward top XXXX : then again re-forward to XXXX. The same old run around. 
The complaint showed that a XXXX XXXX was conducted and shows STRONG evidence that a broken chain of title was discovered, that investor was hiding behind the processor,, XXXX and XXXX.
Consumer complaint received 2017-04-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MO)

XXXX University sent a letter forgiven and canceling my loan yet this is still showing with the lender as me owing the loan, I do n't understand why. I also consolidated my loans and did a income based repayment plan yet every loan shows on my credit report and this is hurting my credit, I have called and asked to have this updated and it has n't been done. I also requested a fax number or some way to send a copy of the letter from the school and I keep getting the run around stating that I still owe the loan
Consumer complaint received 2017-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

SOLD MY HOME XX/XX/2016, PAID OFF XXXX AND XXXX EQUITY LINE OF CREDIT. TRANS UNION CONTINUES TO INCORRECTLY REPORT A $ XXXX + BALANCE ON MY CREDIT REPORT. FILED A DISPUTE THROUGH XXXX XX/XX/2016, TRANS UNION IGNORED IT. XXXX LAST REPORT, PAY OFF DOCS, TO THEM WAS XX/XX/2016. STILL SHOWS ON MY CREDIT REPORT & HAS AFFECTED THE COST OF CAR INSURANCE AND OBTAINING A NEW MORTGAGE. PROOF OF PAYOFF UPLOADED HEREIN. TRANS UNION UTILIZED FOREIGN CUSTOMER SERVICE. I WANT THIS CORRECTED ASAP. THANK YOU
Consumer complaint received 2017-04-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MO)

Santander has charged me XXXX every month to pay my truck loan with my debit card for 2 years and 6 months. Now they are indicating that it is only XXXX. I want the difference between XXXX and XXXX for 30 payments put on the principle of my loan.
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

USAA has deliberately reported inaccurate information to the credit bureaus under my name. 
They refuse to follow their own policy, a policy they drafted, which i had no say in, otherwise known as a " contract of Adhesion '' USAA has allowed a charge from XXXX applied to my card which I never authorized and have no idea how XXXX obtained the information. 
Around XX/XX/XXXX I report my card lost/stolen USAA closed the account and issued me a new card with a new account number. 
VERY IMPORTANT : once I received my new card, I placed it into my safe and never used it. 
However, strangely a charge from XXXX for {$510.00} appeared. I immediately contacted USAA, they informed me this was a recurring charge which USAA took upon themselves to allow XXXX to charge me. They did this without my permission or authorization. 
I have had numerous conversations with USAA since. They have refused to remove the charge from my balance and reported the balance with this DISPUTED charge too the credit bureaus 2 months in a row now.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and address I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} Collection account XXXX Balance : {$1300.00} ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2017-04-02
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

Bay Loan Servicing has been mishandling our loan modification since it was first initiated. After calls and e-mails on our part to the case manager, she either does not respond or just simply ignores us. The case manager weeks ago sent a XXXX packet which contained the legal documents to finally complete this process. We signed, dated and notarized there legal paper work. We also included our banking information in order for them to withdraw our monthly mortgage payments. We sent the return documents via XXXX and a week later we received a reply from Bay Loan via mail that they had in fact received our paper work and that our payments would be pulled from our bank account. Nothing else is needed from our end, since everything was properly completed. So fast forward to today and we receive a 3rd packet stating that they made a clerical error and that we now have to re sign all the documents again. How is this possible? When is this endless cycle going to end? We are requesting a call from corporate directly and need assistance with finally resolving this modification. We are law abiding citizens and jump through hoops to do the right thing and yet again we are told that the process must start once again.
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Diversified Consultants, Inc. (NC)

I had cable service with XXXX ( XXXX ) in XXXX XXXX and moved to XXXX, XXXX. Prior to moving XXXX policy states that all invoices must be paid before having service anywhere else. Paid and established new service in XXXX XXXX. Checking credit report, I found that there was an alleged unpaid invoice with XXXX. Since I was in the process of purchasing a new home, XXXX ( another credit reporting company ) advised me of it. XXXX acted as a mediator and got XXXX and Diversified Consulting Inc - the collections company on the line. XXXX admits that there IS NO WAY THAT I CAN CURRENTLY HAVE OR START SERVICE WITH AN OUTSTANDING INVOICE. This was removed from my credit report with XXXX. The collection company - Diversified Consulting Inc. refuses to indicate as paid - even though current XXXX reps state I would not be able to start or have new service if I had an outstanding bill. This caused major problems when I was purchasing my new home. A conference call was made with XXXX as the mediator and XXXX Rep and Diversified Consulting Inc. Rep. XXXX readily admits that I could not start or have new service with an outstanding invoice. The Diversified Consulting REp is argumentive and refuses to listen to what the XXXX rep is telling him. Call is terminated due to getting no where with this representative and him refusing to get a supervisor on line. Diversified Consultant states it does not matter he makes the final decision
Consumer complaint received 2022-11-10
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. (FL)

/In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
HARD INQUIRIES *XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX. XX/XX/XXXX *XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX PLEASE REMOVED THESE INQUIRES!! 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I XXXX XXXX i been a Victim Of Identity Theft Someone Open a Credit Card Account With Bank Of America That I Never Open. I File A Police Report For This Incident. Bank Of America Claim The Account Was Open Since XX/XX/2012 with a Different address i never Lived or never associate. Bank of America Mark this Account on My Credit Report asXXXX Unpaid and i was not aware about the Identity Theft Situation i Have A Lawyer From XXXX XXXX they Tried to Communicate With Bank of America and they Started a Fraud Investigation Bank of America Denied The Investigation And Claim that the Signiture that was used to open the account it match and bank of america claims there was no Fraud there Was Several Item on My Credit Report XXXX Item Was Removed From my Credit Report Except The Bank Of America. I Never Signed Any Documentation To Bank Of America And The Signature is not Mines. Bank of America Does Not want to help With This Situation and they Have Made this Problem for me Really Difficult and They Are not Accepting the Documentation From My Lawyer Neither The Police Report..
Consumer complaint received 2022-11-15
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. (NY)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00}.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (GA)

On XXXX XXXX XXXX XXXX closed their account without warning or even taking measures to assure that no ones credit will be affected due to them going out of business in XXXX. Because of this lack of failed communication on their part, I have been struggling to bring my credit back up. They closed the account and dropped my credit score by XXXX XXXX when my car wasnt paid off. Without warning, without any implications that the customers accounts or credit history would not be affected they made this decision that affected THOUSANDS of people. I have tried to contact the company and had no luck. I even tried to dispute this and nothing.
Consumer complaint received 2024-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (MD)

Predatory buisness practices. XXXX XXXXXXXX XXXX Purposely creating a loop by selling my mortgage every year announced and unable to find and not allowing me to pay on time during the transition so I can not remove PMI insurance from my mortgage.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (IA)

I am writing to formally dispute the fraudulent bank accounts that have been reported under my name and request their immediate removal from my record. 

Upon reviewing my consumer report, I found accounts I did not open or authorize, which I believe resulted from identity theft. The details of the accounts in question are as follows : 1. Account Name : 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am writing to ask for an investigation of accounts I have never opened. Please remove these from my Early Warning report. Ive attached a copy of my report. Remove the unauthorized inquiries.
Consumer complaint received 2024-11-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (MA)

Since XXXX of XXXX Firstmark Services has continually misallocated my payments and miscalculated the interest I owed on my loans. In XXXX I requested my loans be place in deferment while I returned to school for my master 's which Firstmark did. Since then, I have been making payments about monthly to pay off all interest accrued on all four of my loans. I noticed in XXXX of XXXX that the amount of interest I owed each month was increasing very rapidly so I reached out to Firstmark. At first they told me that this was because I had not paid off any of the interest on one of my four loans since XXXX. I replied with my confirmations of payment to prove that I had been paying the interest on this loan, as well as all of my other loans. Firstmark responded that they would reallocate my payments as they should have been in the first place. In XXXX, I noticed the same issue with my interest rate accruing faster than it should have and reached out to Firstmark once again, with proof of my payments. I recieved a reply on XX/XX/XXXX that my payments would be reallocated properly. My last payment was on XX/XX/XXXX. With the calculations provided by Firstmark, I should owe {$540.00} as of today, XX/XX/XXXX, however according to my account I have accrued {$830.00}. I am not sure how this could be accurate. In addition, although I have been paying off the interest each month, multiple times paying more than was actually owed due to Firstmark 's miscalculations, my loan balance is increasing which does not make sense as I have not taken out any additional loans with them and all of the interest is being paid monthly.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NJ)

XX/XX/year>, TD Bank closed my checking account and hold my money of {$9200.00}. I went to TD Bank Branch at XXXX NJ for 3 times, with waiting for 3 hours each time, but they refused to tell me the reason why closing my account and refused to give my money back. 

The story is more complex than this short summary. Please find more details in the attachment.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX, I was notified by XXXX that I had a hard inquiry on my XXXX credit report from XXXX buy for a credit card application. I received a confirmation code and responded fraud as I was at home on my couch at the time and received a call from XXXX who said there was someone using my name to try to open a credit card at a XXXX XXXX. On the morning of XX/XX/XXXX, I noticed another hard inquiry from TD Bank XXXX/Target on my XXXX  report . I called XXXX after my dispute for both inquiries was unchanged, and they mentioned I need to file a report on this website and send it in. I have since spent the last 2 days calling multiple departments and hours on hold only to be told to call a number I already tried because they dont handle that type of thing.
Consumer complaint received 2024-11-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (IN)

To Whom It XXXX Concern, This letter serves as a formal request for debt validation pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am exercising my right to request comprehensive validation of the alleged debt you claim I owe including the original contract with my wet ink signature. It is a request that your agency verifies the legitimacy of this debt as required by law. 

XXXX. Verification of Permissible Purpose ( FCRA 604 ) ** Under FCRA Section 604 ( a ), your agency is required to demonstrate a permissible purpose for obtaining or reporting information on my credit profile. Provide documented evidence showing your legitimate need and right to access my credit information. Failure to do so constitutes a violation of FCRA regulations.

**2. Verification of Accuracy and Completeness ( FCRA 609 and 611 ) ** Per FCRA Section 609 ( a ) ( 1 ), I request full disclosure of all information, including : - The name of the original creditor and a comprehensive breakdown of the account details.

- Documentation proving the accuracy of any records related to this debt, including the original signed contract or agreement that substantiates the alleged obligation.

Additionally, under FCRA Section 611 ( a ), any information reported to a consumer reporting agency must be accurate and complete. If there are inaccuracies or unverifiable elements, they must be corrected or removed immediately.

**3. Itemized Proof of Debt ( FDCPA 809 ( b ) ) ** As stipulated in FDCPA Section 809 ( b ), I request : - A full breakdown of the debt, including the original amount, interest, fees, and any charges applied.

- Proof that your agency is authorized to collect this debt on behalf of the original creditor or proof of ownership.

- Verification of my alleged obligation to pay the debt.

**Response Requirements** If your agency is unable to provide adequate validation as required under the FCRA and FDCPA within 30 days from receipt of this letter, you must cease all collection activities and ensure that any negative reporting related to this account is removed from my credit report. Continuing to pursue this debt without adequate validation will be regarded as a violation of my rights and could lead to legal action. 

Please provide all documentation via mail to the address listed above. No further contact via phone is permitted until this matter is resolved. I expect all correspondence to be documented in writing for my records.