davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Due to a failed business with a fellow XXXX XXXXXXXX, I entered into a five-year XXXX XXXX bankruptcy in XXXX. I was ordered by the bankruptcy court to not make any payments to creditors, to include my three Bank of Americas mortgages. Bank of America also changed all of my account numbers and blocked me from online portal access. The bank told me this is standard operating procedure for mortgagors that go into bankruptcy. A few years into bankruptcy the bankruptcy judge orders me to refinance my home. Being in bankruptcy, no lender would touch me. After being told no by 68 different lenders, a shark lender offered me a high-interest, interest-only loan. 

This was my one shot to make Bank of America whole and part ways.

Given that I didnt have Bank of America online portal access to check my accounts, I had to rely on my real estate attorney who was managing the loan refinance process. 

This is where the bank error occurred that created this entire new mess. My attorney had requested a payoff from Bank of America. The bank responded that I only had two mortgages with the bank and proceeded to send her two payoff amounts. I immediately challenged the attorney ( see the attached documents ) but she said the bank stated there were only two mortgages and only sent two payoff amounts. This made sense since Bank of America only had two liens on the property. Everything seemed to match up.

Anyways, long story short, the attorneys and title professionals proceeded as-is with the two payoffs and I successfully refinanced the property. 

It wasnt until I exited bankruptcy in XXXX of this year ( XXXX ) that Bank of America started to report me being late on the third mortgage. Which, apparently, still existed. This is when I realized that the bank and my attorneys were in-fact wrong and that a third mortgage still existed. 

I've requested relief from Bank of America and was subsequently denied ( refer to the included documents ). 

Bank of America completely failed to send the HELOC payoff documentation to my real estate attorney. Thus, causing her to not include it in the mortgage closing documentation.
Consumer complaint received 2023-05-17
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)

This is the several endeavor 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX Balance : {$300.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-01
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. (OH)

I Have no knowledge of this account, XXXX XXXX, ACCT # XXXX, ACCT # XXXX, and ACCT # XXXX but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-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.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX BANKRUPTCY Case Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-04-22
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. (ME)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by the federal law to verify - through physical verification of the original accounting records and signed consumer contract any and all accounts you post someone's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email you fraudulent account information.

Therefore, I'm demanding to receive verifiable proof of the ( original accounting records & signed contract ) for the files of the accounts listed below. Your failure to positively verify the accounts has hurt my ability to obtain credit cards, a property rental, car loans, home loans, pass employment credit checks, utilities, etc. along with getting other basic livelihood necessities.

Under the FCRA, unverified accounts that are not 100 % accurate must be deleted and removed.

Also, these negative accounts below may either be inaccurate, old, inaccurate data between bureaus, not updated, paid in full, paid, closed, paid out by insurance, double dipping collectors, charged off/written off taxes, settled, inaccurate addresses, {$0.00} collections open balances, permanent disabilities act discharge, identity theft, for profit school fraud loan discharge, fraudulent submissions by loan or collection companies, inaccurate phone numbers, inaccurate name spellings, etc.

Under the FCRA, unverified, fraudulent, invalid accounts must be removed and deleted. If you are unable to provide me with a copy of the verifiable and validated proof that you have on file within a 30-day calendar days from receiving this notice for the account listed then you must remove and delete the account from ( XXXX XXXX, XXXX XXXX ACCOUNT ( XXXX ) credit reports. I demand the following negative accounts be verified or permanently deleted immediately. The law is very clear on the available remedy to me for violating Section. 617. Civil liability for negligent noncompliance, if you fail to comply with federal law.
Consumer complaint received 2023-05-17
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)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (NV)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I XXXX  : XXXX a XXXX and real living human being ( consumer ) who is the Beneficiary of XXXX XXXX XXXX have received my updated credit report that Equifax said they have verified these disputed items : XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. 

How is it possible for these disputed items to have been properly verified because if so they would have been accurate across all 3 credit reporting agencies instead the same inconsistencies of my first two investigation that still remain. I know for a fact that each account disputed has inconsistency of such as incorrect Date opened, Last activity, High balance or last payment entered on my credit report. 

Can you send me the exact process that was used and who determined these accounts were accurate including First name, Last name, badge number, telephone number and position with Equifax and how long they been with the company. Pursuant to 15 U.S.C 1681 ( I ) 7-Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The anxiety and stress this is causing me has me prepared to seek civil damages against Equifax for the violation of my consumer rights & if these accounts are not Deleted immediately that will be my next step. This letter was not drafted by any 3rd party, I am law major and I am very familiar with all my consumer laws.
Consumer complaint received 2024-09-28
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (NY)

15 U.S.C. 1692c is a section of the Fair Debt Collection Practices Act ( FDCPA ) that addresses communication between debt collectors and consumers. It states that if a consumer informs a debt collector in writing that they do not want to pay a debt or that they want the debt collector to stop contacting them, the debt collector must comply.
Consumer complaint received 2023-07-24
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. (NE)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Please see XXXXWe will take this step by step and I will use CFPB AS A paper trail for myself since that's the only way to get a reply from you guys. You stated I have that balance to pay and if it's paid you guys will completely remove the already mistaken payment owed for good as you did prior when I paid a part of the " balance ''. I asked to get my calls that you record for my records and for copies of our email threads that you guys leave with no respond. I was told if it's not paid legal action can be taken and court can be involved and I would need to pay you guys fees so its " best for me to just settle and pay to have the account removed '' you will hear me on 2 convos say if that's the fastest solutions ok BUT I DO NOT AGREE OR TAKE OWNERSHIP of the debt that keeps being referred to you by the orginal creditor. I sent you laws and evidence ( bank statements, letters from XXXX ) etc to the point where you made my balance XXXX $ and REMOVED IT from XXXX and XXXX. Am I incorrect and have you not received these things via CFPB AND the email : XXXX XXXX XXXX XXXX XXXX  via my emails XXXX  and XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check this account ( A ). It is unacceptable to list this account as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the erroneous information on my credit report : XXXX XXXX Balance : {$31.00}
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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. 

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We changed insurance companies during the year XXXX  and we provided the new insurance policy. The new policy was under our business name and Bank of America did not accepted. After working with our agent, we provided a new policy to Bank of America with our personal names on it. 

Bank of America kept asking for different dates on the policy so since they could not get everything on time they forceplaced insurance. The cost of the insurance was XXXX XXXX when we only owe XXXX XXXX on the loan and have never been late on the mortgage. 

I worked in mortgages for 10 years and never during my time we forceplaced an insurance that high. We believe the cost was outrageous! 

They finally received what they needed and they refunded part of the foreplaced insurance back to our account but not all of it even though we have not had lapse of coverage. As a result of this, our payment went from a {$1000.00} a month to {$2300.00} a month. The balance left on the loan is only {$31000.00}. 

I have called BOA 3 times already and everytime I called they asked for different information. We would like for all the money to be put back into our escrow account.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2023-04-17
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I did not authorize these inquiries to be pulled from my credit report please remove XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> on my credit three times same date XXXX XXXX  XXXX  XX/XX/year> 2023