davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern, Subject : Dispute of Unauthorized Accounts and Inquiries Due to Identity Theft I am writing to formally dispute the validity of accounts and inquiries on my credit report that were made without my authorization due to identity theft. At no point have I applied for or authorized loans or credit inquiries with the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I did not authorize Loan account with XXXXXXXX XXXX XXXX  , under Account Number : XXXX. Amount : {$1100.00} I have previously requested from XXXX XXXX XXXX a full validation of this debt and copies of the original application, loan terms, and any signed documents that bear my signature. Despite my providing all required identification and following up through certified mail, the company has failed to respond with proof or documentation of my authorization. I, therefore, request the IMMEDIATE REMOVAL OF THIS ACCOUNT. 
Furthermore, as I currently have an active fraud alert, it is concerning that these inquiries were made without verification of my identity. I am requesting the removal of each unauthorized inquiry and account from my credit report and verification records. 
Enclosed are copies of certified mail receipts and previous communications with XXXX XXXX XXXX as evidence of my attempts to resolve this matter.

Thank you for your attention to this urgent issue. I expect prompt action to correct my credit record, remove the unauthorized accounts and inquiries, and ensure that my personal information is safeguarded. 
Sincerely,
Consumer complaint received 2015-08-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MN)

This loan is with Wells Fargo. The account number is XXXX. My credit report says that I am current, current but past XXXX days XXXX times. I was not. In XXXX of XXXX I was late with a payment. I was under the understanding that all the money that I had paid extra each month had me paid ahead and I was under the understanding that I was XXXX months ahead. It was applied to the principal. As soon as I found out that I was late I paid the money. That is the only time that I was late and not 30 days late. They have me listed as late in XXXX, XXXX and XXXX and I most certainly was not 30 days late and have the canceled checks to prove it. I have disputed this account many times including with XXXX. I pay my mortgage regularily and have not once been 30 days late. They ca n't even get the dates right. Each time I dispute the accusation, all I get is the response, no that is correct and that is it. They ca n't respond anymore than that because the dates are wrong. On my home equity line of credit, they have me listed as late once. NO I WAS NOT. They have the wrong account number on the pay stub every month. My accout ends in XXXX and the stub always ends in XXXX and until it was caught they called me late. To this day is still says XXXX and I have to cross out everytime before I pay or I am stuck in line for a half an hour while they try to figure it out. I have called and complained on this as well and they simply say no it is correct. This bank is run by idiots and is a crime to anyone with common sense. They are only trying to hurt me and my wifes name because we got an attorney involved to dispute fraudelent charges on some lines that we had. I have been told by a friend in upper Management at Wells that Wells has contacted all of the local banks and not to lend to me and that Wells is to be contacted if I go to their banks looking for money to borrow. This is black balling and is a crime in the United states of America and suit will be pending if this is not corrected. This is a serious crime and demands direct attention.
Consumer complaint received 2016-07-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a Hardest Hit Fund Principal Reduction Permanent Loan Modification after being in a trial loan modification in XXXX XXXX through XXXX XXXX. The permanent loan modification was mailed to my house via XXXX on XXXX XXXX, XXXX and requested that the documents be reviewed and sent back by XXXX XXXX, XXXX. The documents required a notary as well. My health has been delicate over the last few years due to a medical hardship and sometimes my memory fades. I inadvertently lost the paperwork that I wanted to give to my attorney to review as well a notary. I requested that Bank of America send another loan modification package to me but they refused. Bank of America mailed me a letter dated XXXX XXXX, XXXX advising me that I was no longer in consideration for a loan modification because I did n't return the permanent modification documents. I appealed the decision but Bank of America denied me the appeal. During this time, I 've made every scheduled mortgage payment and Bank of America recently returned my XXXX XXXX payment and put my property in foreclosure.
Consumer complaint received 2015-10-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CONDOR CAPITAL CORP (PA)

I have been paying on a loan with condor capital the branch in New York was shut down on XXXX XXXX, 2015. A branch in CA took over and records were not transferred correctly,, I 've been making my payments and on XXXX XXXX, 2015, went outside and my car was gone. Now prior to this, my car payment is XXXX a month, I made a payment on XXXX XXXX, 2015 for XXXX and had payment arrangements for another to be taken out of my accounts on XXXX XXXX, 2015. They took the monies on XXXX XXXX, but never credited my account, and have not credited my account for months. I 've supplied them with bank statements and to no avail, no car back yet. I 've had to get an attorney involved. I want to, know what they are doing with my money??? I know for a fact in NY they pocketed over a XXXX XXXX in customer payments. I have correspondence that I have from condor capital showing all payments were confirmed from them. And bank statements showing the transactions. But still the balance on my account keeps getting larger. Ive asked them once they 've researched everything provided are they going to bring my car back and the stupid response I get is " We may request the balance in full '' I am not in default on my loan, and if I could afford to pay this loan in full I would n't have a loan. I am only including a small portion showing payments have been made, I even paid extra several times. As you will notice on the invoice I am sending from them there is no payment posted for XXXX XXXX in the amount of {$410.00}. I have all correspondence if needed as well as all of my bank statements. I had questioned them on XXXX XXXX about the info they were showing, and they never contacted me as well. If I had a customer questioning the account that would have been a priority, not just have some slime bag come to the house in the middle of the night and pick up my car when I live in the middle of no where with XXXX children and have health issues.
Consumer complaint received 2023-06-05
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

I own a Home Depot Credit Card which was last used by me in XXXX. In XXXX, XXXX Home Depot sent me an email of suspicious activity on my credit card, cancelled my card and sent me a new one. I called to come to know that someone claimed to be my daughter and bought items worth $ XXXX in XXXX NY. I live in NJ, never ever have been to XXXX NY, and moreover we do not have a daughter. They filed my complant and promised that it will be investigated. 

Meanwhile, some time later we found that that fraudulent trasaction was transferred to my new card they have issued, and were sending me bills every month to pay. They have also reported the matter to credit bureau and that has been affecting my credit history massively. I called again and they claimed they were unable to resolve and that I should file a police report. I did so and sent them in writing to resolve the case ASAP. I have also sent them the police report number along with the letter. Off late I do see that I was getting billed every month, my credit score going down and there was no action taken. 

Every time I contact Home Depot ( CitiGroup ) fraud department, they notify me that they were unable to resolve the case, as my phone number and driver 's license was used to increase credit limit which was rquired to be investigated further. Each time they will open the case again and will ask me to wait 30-90 days for any outcome. We have reported the matter to XXXX, after which CitiGroup notifed me that they have done the highest level of investigation and did not find the transaction to be fraudulent and that I will be responsible for it. 

This is a clear case of serious identity theft as my phone number and driver 's license have been compromised. I live in NJ, the $ XXXX transaction was made in XXXX NY ( I have never been there ), by my non-existent daughter. The last time I used this Home Depot Credit Card was in XXXX from the Home Depot store which is within a mile of my current residence. I need CFPB 's help, as I believe the investigation done by CitiGroup all this time was inadequate, and this has affected by credit score adversely, which is not allowing me to pursue favorable mortgage refinancing. Thus I am financially is a lot of problem for no fault of mine. 

I will attach the police report, FBI complaint report, Home Depot Credit Card fraudulent bill and the last letter from Citi Group declaring me to be responsible for the fraudulent transaction. 

Please do the needful to help me get out of this issue at the earliest possible convenience.
Consumer complaint received 2023-06-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hi, This is my XXXX time requesting this information. Your customer service representatives keep giving me the run around. 

May I please have the agreement that was set in place for the security interest on my XXXX XXXX XXXX? 

DO NOT send that retail installment agreement. That is not what I am asking for. 
If you are still confused what I am asking for you may have it labeled as the " Purchase agreement '' or " bill of sale '' I do not want it sent by mail because you are not going to send it out. Either email it or reply back to this complaint with it. 

My email address is XXXX Thank you
Consumer complaint received 2023-07-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (NC)

In XX/XX/2023, I entered into a settlement offer with XXXX XXXX which is the third party collection agency that represents Hyundai Capital America. I originally owed {$7500.00} to Hyundai Capital America. Between XX/XX/2023- XX/XX/2023, I have made payments totaling {$3800.00} per the settlement agreement and have satisfied my obligation. I received a letter from XXXX XXXX indicating that I have met my obligations and they have submitted documentation to Hyundai Capital America indicating the same however, Hyundai Capital America will not update my credit report. XXXX XXXX have stated on numerous occasions that they have provided all documentation to their client, Hyundai Capital America however, Hyundai Capital America continues to allege that XXXX XXXX have provided them with nothing. I've offered to send the settlement in full letter to Hyundai Capital America however, they told me that even if I send the letter, they will not update my credit report without the actual correspondence from their third party collection agency, XXXX XXXX. I have even offered for all three parties ( myself, Hyundai Capital America & XXXX XXXX ) to do a conference call to assist in resolving this issue however, both XXXX XXXX and Hyundai Capital America refuse to cooperate with me in doing so to resolve this issue. I have requested to speak with managers with both organizations to no avail in a resolution.
Consumer complaint received 2023-06-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on 05-06-23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$13000.00}
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I refinanced my home to get away from Bank of America due to their poor customer service ( previous complaint filed by me through this service ). Due to the processing time with closing, I went ahead & made a payment to avoid any 30 day late reporting to the credit bureaus. Payment would have been received by BofA on or about XXXX XXXX. I called on XXXX XXXX to make sure they had received the payment and asked when my refund would be processed ( the XXXX payment plus some escrow balance ). They originally advised with would take a couple of weeks but I was able to get someone to get special authorization to release the escrow funds early and the check ( in excess of {$1100.00} ) was supposed to be processed and mailed to me the week of the XXXX. I phone BofA this morning to find out what date my check had shipped and was told it was made out to the wrong payee ( XXXX with BofA admitted the payee had absolutely XXXX connection to my account and it was not a business name that I recognized ) and so now the delay was waiting for those funds to be redeposited into my " account '' so they could issue the check to me properly. I asked if that was going to be done immediately and overnighted to me because they were not paying me any interest on my money that they are now holding without my permission yet I am paying interest on it elsewhere. XXXX was going to try to get it expedited and was going to see if perhaps it could be overnighted to me but that it might still take 3-5 business days.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already submitted my complaint to the Federal Trade Commission ( FTC ) as required and have contacted the bank associated with the account in question.I have spoken to the bank on the phone, and they have confirmed that the account should be removed from my credit file. Furthermore, I would like to bring to your attention that the other credit bureaus have already deleted this account from their records. I am the one initiating these disputes, and I request that you investigate this matter promptly. I also request that you remove this account from my credit report as soon as possible. 

XXXX  XXXX XXXX XXXX
Consumer complaint received 2016-07-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

My reduced rate plan with Navient is far beyond my ability to pay. Since I have a cosigner ( parent ), his income is part of their calculation as well. My parent is currently unemployed. I am current on my loan payments as of this date, but ca n't remain current for much longer. Loan type : Smart Option Student Loans, XXXX of them totaling over $ XXXX. 

They 've calculated that I 'm able to pay $ XXXX/mo, when my budget does not reflect that. Neither does my parent 's budget. I either need to find a way to change lenders, or get a much lower monthly payment.
Consumer complaint received 2024-10-29
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: Experian Information Solutions Inc. (IN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2015-07-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

This is what the bank is doing to me:XXXX dollar lawsuit. The suit was filed in U.S. federal court in XXXX, Texas a small community just XXXX miles north of the XXXX XXXX XXXX, about a XXXX XXXX XXXX XXXX XXXX XXXX.The lawsuit alleges that BofA mortgage holders have suffered hoursof telephone run around, misleading and inconsistent information, lost correspondence, verbal abuse, and extensive delays in efforts to get home mortgages modified. " The facts in this case reveal the harsh reality that underlies the loan servicer 's press statements about loan modifications and forbearance agreements following the collapse of the U.S. housing market, '' the suit states. " This is not an isolated case, '' said Attorney XXXX XXXX XXXX, who represents the plaintiffs in the This is exactly what the Bank is doing to me in this case : The plaintiffs ' attorneys say Bank of America breached mortgage contracts, were negligent in representations made to borrowers and in violation of the Texas Debt Collection Act. Many of the plaintiffs were told they were eligible for loan modifications or other work out assistance by the bank, of BofA employees handling their mortgages. Only XXXX of the homeowners have been foreclosed as a result of problems. 
Mortgage holders have suffered hours of telephone run around, misleadingand inconsistent information, lost correspondence, verbal abuse, andextensive delays in efforts to get home mortgages modified. " The factsin this case reveal the harsh reality that underlies the loan servicer 's press statements about loan modifications and forbearance agreements following the collapse of the U.S. housing market, '' the suit states. " This is not an isolated case, '' said Attorney XXXX XXXX XXXX, who represents the plaintiffs in the lawsuit. " It is the normal way the bank handles business. " The plaintiffs ' attorneys say Bank of America breached mortgage contracts, were negligent in representations made to borrowers and in violation of the Texas XXXX XXXX XXXX. Many of the plaintiffs were told they were eligible for loan modifications or other work out assistance by the bank. 
This is far from the truth, the bank is doing exactly to me of what occurred in the above case.
Consumer complaint received 2017-02-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

XXXX the XXXX i had some Account fraud XXXX withdrawals of XXXX. Called Capital one they said they can help me out and most of the fraud was turned over. I would however need to get new account numbers and my account has been locked to prevent any additional fraud. I was ok with this and made sense. However it is now XXXX and I do not have access to my account I called Capital one to get a status. They said after verifying my identity over the phone that after an internal investigation my account has been locked and i can not open any more accounts with Capital One. I had to call capital one to get a status and they have not given me any way to get my money back or any way to prove i am who i am.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

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 XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  ( Account # ) XXXX Account Name : XXXX XXXX XXXX XXXX ( Account # ) XXXX Account Name : XXXX XXXX XXXX ( Account # ) XXXX Has violated my rights I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relate according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in generally after any investigation under paragraph ( 1 ) of any information disputed