davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX L J ROSS ASSOCIATES IN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious L J ROSS ASSOCIATES IN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-05-20
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: EQUIFAX, INC. (AR)

I was informed by my salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I was notified on XX/XX/XXXX that my account was past due. The balance was {$80.00} on the letter When I tried to call them to pay, they informed me that because the due date was XX/XX/XXXX they had charged another late fee and the total amount {$120.00}, without telling me or giving me time to make a remedy
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My name is XXXX XXXX XXXX : I purchased and took ownership of a XXXX XXXX XXXX XXXX  from the XXXX XXXX XXXX XXXX located in XXXX TX on XX/XX/XXXX. VIN # XXXX Stock # XXXX Unit # XXXX. 
I returned the vehicle for a refund on XX/XX/XXXX. 
The dealership returned my down payment as a check and sent Bank of America payment to clear the loan. ****** email communication from XXXX Mr XXXX, I received a note regarding your contact with our executive customer service. Glad to hear that you have received your down payment refund. I have researched the refund to Bank of America. The refund in the amount of {$15000.00} was mailed on XX/XX/XXXX and received by BofA on XX/XX/XXXX. Heres the XXXX  tracking # XXXX. I dont have visibility on how quickly Bank Of America will apply these funds to your loan but normally it should be applied within 3 business days. end of email **** I have attempted to call Bank of America multiple times in regards to the flat cancel of the loan. 
Account number : XXXX I was told by Bank of America on XX/XX/XXXX that the dealership is responsible for communicating the flat cancel of the loan and they did not do their part. 
I explained that the dealership sent a payment of {$15000.00} it was mailed on XX/XX/XXXX and received by BofA on XX/XX/XXXX. XXXX  tracking # XXXX checks out and shows it was signed for. 
The Bank of America representative refused any acknowledgement that a payment was received by Bank of America. He instead repeatedly stated that the dealership did not communicate with BofA and it was my responsibility to work with the dealership in this matter. 
I asked to speak to a supervisor and was only promised a call back. I have been a Bank of America customer for over twenty years and this has been one of the worse banking experiences I have encountered.
Consumer complaint received 2020-05-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION (NC)

BB & T XXXX XXXX is in violation of the following sections of 15 U.S.C. 1681 : 1 ) 1681a 2 ) 1681b 3 ) 1681c 4 ) 1681e 5 ) 1681i On XX/XX/2018, BB & T XXXX XXXX made an unauthorized hard inquiry on my credit for the purpose of auto financing. During this time, I was XXXX overseas and did not authorize anyone to make inquiries on my credit. I attempted to dispute this inquiry with BB & T XXXX XXXX as well as with XXXX  and they never removed the inquiries. Additionally, this inquiry, along with others by other corporations during this time, significantly and negatively impacted my credit score.
Consumer complaint received 2020-05-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (CA)

I have experienced extremely poor service. The first instance was difficulty in securing an appraisal, this process was delayed which resulted in jeopardizing my ability to complete an inspection within the 3-week window of having funds transferred to escrow. Next, I have received multiple conflicting and inaccurate closing disclosure documents. The first is dated XX/XX/20 where I noticed that the sales price of the home was incorrect. The second dated XX/XX/20, inaccuracies were detect by me that included the loan amount. Finally, another disclosure was issued XX/XX/20 where the mistakes appear to be corrected however I feel extremely uncomfortable working with this leader following the blatant negligence. More importantly, on Friday XX/XX/20 I spoke to a manager regarding my concerns that these errors will result in delaying the close of escrow as well as my document timelines. To which I was assured that the closing disclosures would be corrected the same day and resent however this did not occur. Also, a nominal fee reduction was discussed and is not reflected on the XX/XX/20 disclosure. Escrow was expected to close XX/XX/20 however due to this company mistakes, I am at risk of my rate lock expiring and losing my {$3000.00} escrow deposit.
Consumer complaint received 2020-05-19
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: EQUIFAX, INC. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2020-05-20
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)

XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Tip  2 inquiries will be removed soon from your credit report. 

all ftc violations a sent XXXX  plcc
Consumer complaint received 2020-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

Multiple instances over the years of being provided inaccurate and/or conflicting information which has been detrimental to my ability to pay off the student loan I have. I believe this company has purposely misled me with information to keep me paying at a rate that is unbearable and should be illegal. 
Most recently I was provided inaccurate information concerning relief due to COVID-19. I was led to believe that a move into " Forbearance '' would provide relief from the interest until XXXX. This happened in a recorded phone call in late XXXX, early XXXX. I can provide dates and details of conversations. 
On XX/XX/20, I was told the information that was provided to me concerning my loan was not as represented. 
These instances have happened for many years and now I am in need of assistance with a complaint as it appears this will not stop and I can't take it any longer.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2020-05-20
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: EQUIFAX, INC. (GA)

On XX/XX/XXXX I sent a second FCRA dispute to all three credit bureaus via certified mail and including a clear colored photocopy of my drivers license and social security card. I received a letter from Equifax asking for these documents on XX/XX/XXXX before they claim they will begin to dispute my items. They are reporting a bankruptcy as verified when I sent communication from the court stating that they do not verify any consumer information to any credit reporting agency. I have sent 3 FCRA dispute letters along with this information since XXXX of XXXX to no avail! Equifax is violating my FCRA by listing inaccurate credit information damaging my ability to obtain credit by continuing to report inaccuracies. They are using tactics to stall when they have all the necessary information to remove these items. There has been NO activity changes or otherwise on my file since XX/XX/XXXX despite receiving several attempts to clear this. My next action will be to file a lawsuit against Equifax and CFPB for allowing these fraudulent and unfair credit reporting practices. I want the accounts that I have submitted as not mine/inaccurate to be removed as soon as possible!!!
Consumer complaint received 2020-05-19
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. (GA)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX   XXXX {$590.00} XXXX XXXX XXXX   XXXX {$1300.00}
Consumer complaint received 2020-05-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc. (GA)

This is regarding a double billing by GM Financial ( GM ) and/or one of their California dealers in an auto lease contract, where a Disposition Fee is paid in monthly installments, and then billed again to the consumer at lease-end. 
The math : The LEASE AGREEMENT ( Section 5 ) states The amount you will have paid by the end of the lease includes the amount of the Disposition Fee in question. Thus, its part of the monthly payment ( no breakdown available from GM ). Yet, Consumer was rebilled for it ( along with some yet explained taxes ) months after the lease ended. The lease ended in XXXX, XXXX and, according to GM, all payments due and owing had been made. 
Consumer has contacted GM ( in writing, in XXXX, XXXX, and XXXX, XXXX ) re-garding this issue, after receiving a notice at the end of XXXX ( XXXX ). Specific instructions to communicate in writing ( to avoid misunderstandings ) have been ignored. Instead, GM blows up consumers telephone line with repeated re-quests to call itnothing else, just call. GM, after numerous Consumers requests, does not dispute Consumers assertion that its a double billing, and otherwise re-fuses to further address the issue. 
Consumer received a response from GM ( via CFPB website ) which, in part, states : have Ms. XXXX contact GM Financial at ( XXXX ) XXXX to discuss this matter further. THIS IS A TOTAL NON-RESPONSE TO THE COMPLAINT. Thus, Consumer is refiling the Complaint.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; andi ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (OH)

I am trying to get out of forbearance and no one at Pennymac is able to take me out of forbearance. I am unable to refinance my house do to this problem. Pennymac has frozen my account so that I cant perform anything on my account.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The above is reporting a credit inquiry dated XX/XX/XXXX and XX/XX/XXXX. I called and spoke to there rep XXXX ID # XXXX and she indicated that my information did not match what she showed in the system and that it appears to be fraudulent.
Consumer complaint received 2020-05-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

XX/XX/2020 The Consumer Financial Protection Bureaul COMPLAINT OF CHARGING DELIBERATELY EXTRA MORTGATE PAYMENT BY FAY SERVICING XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX ACCOUNT # XXXX Dear Sir, I got a mortgage from XXXX XXXX  XXXX XXXX D/B/A/ XXXX XXXX. and the monthly payment was principal XXXX+ interest XXXX+ escrow XXXX totaling of XXXX. After the loan they forward this loan to FAY SERVICING for collection. Fay servicing charged me correct amount for few months ( copy attached A ), then all of sudden they increase the escrow by XXXX ( copy attached B ) instead of XXXX. I called them and ask the reason and they told me falsely and inaccurately that my real estate taxes went up, that was an inaccurate and false answer. I asked for the escrow statement and again they send me incorrect statement. ( Copy enclosed D ). Attached is my real estate tax bill which shows that my annual real estate tax is only XXXX ( copy attached ( C ) and insurance is XXXX. 
After calling and requesting them for 2 plus month, and after paying them extra payment and not seeing any will to correct it I have no choice but to request your help. 
Enclosed please find my Real EstatXXXX tax bill and escrow statement of Fay Servicing, which shows they charge me real estate tax bill 3 times instead of one time. 
Your help is appreciated Sincerely XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

On Friday, XX/XX/2020 my Wells Fargo business credit card was stolen. I called Wells Fargo immediately on the morning of Friday, XX/XX/2020 and reported my credit card stolen. The police department was called as well and a report was made. Given that both my credit card and California State Driver 's License were stolen - the report was considered identity theft. 

Although I promptly reported the theft of my credit card to Wells Fargo - Wells Fargo included a charge in the amount of {$1500.00} that was made on XX/XX/2020 in my XX/XX/2020 credit card statement. This is the first indication that I received from Wells Fargo that this charge is being considered a valid charge on my credit card. I did not make this charge. This charge was made after my credit card and driver 's license were stolen. This information was relayed to Wells Fargo - in addition to the police report details & police officer contact information. However Wells Fargo has not removed this charge from my statement and has denied my fraud claim and has not given adequate explanation as to why my claim has been denied.
Consumer complaint received 2020-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (GA)

A bank account was acquired in my name as I was a victim of identity theft from Navy Federal bank. I sent the proper information to the credit reporting and Bank for investigation. The account was taken off the report and then has reappeared on my consumer credit report hurting me further in these uncertain times. this negative report is stopping me from having a actual relationship with this bank if i choose and stagnating my report.
Consumer complaint received 2020-05-20
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: EQUIFAX, INC. (GA)

An account with XXXX was acquired with my identity ( identity Theft ) which i provided a police report and affidavit. this was done without my consent and charged off. The original complaint was put in last year and after an investigation from the bureaus was removed. upon looking over my report last month it appeared again. this is not correct and will not be tolerated. I thought XXXX was a good company ... very sad that they would want to go against the laws of FCRA.
Consumer complaint received 2020-05-20
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. (TX)

Credit Bureaus : XXXX, TransUnion & XXXX are inaccurately reporting late payments on my credit report for XXXX XXXX in XX/XX/2014. I have never been late on this account.