davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Bank of America stated repeatedly in their opposition to complaint in bankruptcy on XX/XX/XXXX by attorney XXXX and later that my loan is a federally backed mortgage and that it was securitized by XXXX. 
It is settled ( relevant to federally backed mortgages ) that the applicable law is federal. In a decision that has become a leading case on the question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, arising under the National Housing Act, Title II, 12 U.S.C. 1707 ff. we held : But we do find it to be clear that the source of the law governing the relations between the United States and the parties to the mortgage here involved is federal. ( Citations omitted ) * * * It is therefore equally clear that if the law of the State of Washington is to have any application in the foreclosure proceeding it is not because it applies of its own force, but because either the Congress, the FHA, or the Federal Court adopts the local rule to further federal policy. 268 F.2d at 382.

The first question is whether the Congress adopted state law in its definition of mortgage and first mortgage. California argues that it did. The language relied upon appears in 12 U.S.C. 1736 ( a ), and reads : The term mortgage means a first mortgage on real estate, in fee simple. We rejected Californias argument in View Crest, supra, where identical language in 12 U.S.C. 1707 was relied upon. We said : The argument is that in adopting the state definition of first mortgage, Congress intended to adopt all the incidents of the mortgage relation under state law including remedies on default and the appointment of receivers. That this is not the case is clear from reading section 1713 of the same Act which defines certain acts as being in default ( part g ) and sets out certain remedies that the FHA can pursue such as institution of foreclosure ( part k ) proceedings without reference to whether or not there is such a remedy for the default described in the State where the property is located. Moreover, there is no apparent reason for assuming that Congress in incorporating by reference certain duties under state law also meant to restrict the United States to the state remedies for breach of those duties * * 268 F.2d at 382.

Therefore, Bank Of America can not foreclose nonjudicially under Alaska law when the mortgage is federally back mortgage.

Bank Of America recorded on XX/XX/XXXX a 6th noncompliant notice of default and sale for XX/XX/XXXX in blatant disregard to Congress and the federal courts that clearly determined that federally backed mortgages are under federal and not under state law unless Congress specifically adopted Alaska nonjudicial law, which Congress never did. 
All while knowing that this default is time-barred since XXXX as determined in the bankruptcy court denial of Bank Of America motion to dismiss my complaint on the sole ground that Bank of America was already time-barred in order dated XX/XX/XXXX.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (CA)

After I found out about the XXXX & XXXX XXXX breach, on approximately XX/XX/XXXX I logged into my XXXX credit monitoring account and noticed a collection on my report dated XX/XX/XXXX under the Account name XXXX XXXX XXXX. I phoned the company asking what/who the collection was about. They informed me that it was for a XXXX XXXX XXXX located at the address of XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX XXXX XXXX XXXX NY XXXX XXXX Single family XXXX ). I argued that I have never lived in the state of New York, nor have I ever done business with XXXX. They provided me XXXX options : XXXX ) dispute the collection ; or XXXX ) pay the collection at a discounted price. I chose to dispute the collection as it was not my debt. I disputed the collection with Transworld Systems and through my XXXX credit monitoring on XX/XX/XXXX. On XX/XX/XXXX I received an email with the results of the dispute stating : The information you disputed has been verified as accurate. How could this be if I never lived there nor ever done business with XXXX?! I think it should be unlawful to buy collection accounts that have already been written off by corporations. This should not be a legitimate revenue maker for companies when it is already written off from corporate taxes.
Consumer complaint received 2024-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was approved by the salesman XXXX, I have this proof in texting he send meXXXX $ he said he's manager wanted to deliver the car that night to miami XXXX it was XXXX. The text especified everything ok, just need a signature, he also texted it was going to be a soft pull, but I wanted XXXX XXXX the car first, how much was my finance fee.and I told them major banks don't finance cars 10 years or older.they whent ahead to XXXX XXXX XXXX, XXXX XXXX, twice.when I went to dealer, he said my score XXXX good, they ask me for my phone and they took it in the back, while XXXX and I were talking about XXXX away, when the brought my phone back I've seen XXXX inquiries. I told them to stop, the messed my credit up. I have a membership with expiriant credit bureau they could help me, I asked XXXX XXXX if I can walk into capital XXXX cafe and show them proof of the text messages they said no, I said can I open a bank account they said yes, why not look at the proof of my allegations I have 2 cards with capital XXXX never been late, or problems. That's not fair. I'm a person that don't make much, but I try my best.thank sir or ma'am.
Consumer complaint received 2024-07-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Skrill USA, Inc. (TX)

My Skrill Account was locked XXXX weeks ago, numerous tickets and attempts to get them to explain why it's locked and what is needed to unlock has resulted in no action and wasted time. 

Tickets are auto closed and escalations are ignored. They are holding over {$4600.00} of my hard earned money without any plan or communication on how I gain access.
Consumer complaint received 2024-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It seems that they are still reporting the same accounts that have been successfully deleted from other consumer reporting agencies ' records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION & XXXX I am aware that the credit reporting system is designed to ensure consistency and accuracy across all major credit bureaus. Therefore, if an account is removed from one consumer reporting agency, it is expected that the others will follow suit, especially when reporting to the same creditor or furnisher. 

I demand XXXX and TransUnion to promptly remove these items that have already been successfully deleted by other credit bureaus. Ensuring uniformity in reporting is essential to maintaining the integrity of credit information. 

Thank you.
Consumer complaint received 2024-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to bring to your attention certain inaccuracies in my credit report that require prompt correction. I have identified discrepancies in the reported addresses, names, and employers that do not accurately reflect my credit history. I request your assistance in updating or deleting the following information : Addresses : I request the removal of any addresses on my credit report that are not associated with the following address:XXXX  XXXX XXXX, XXXX, MI XXXX Names : Please ensure that my name is accurately reported as " XXXX XXXX XXXX XXXX Remove any variations or misspellings of my name that may be present on my credit report. 

Employers : Remove any references to employers that are not accurate. Specifically, I request the removal of employers associated with " XXXX '' and " Powerhouse. '' I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute and seek correction of inaccurate information on my credit report. I kindly request a thorough investigation into these matters and prompt action to correct the inaccuracies. 

Please provide me with a written response detailing the results of your investigation and the actions taken to update or delete the inaccurate information. I trust that your agency will adhere to the provisions of the FCRA to ensure the accuracy of my credit report. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution.
Consumer complaint received 2024-02-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DRB-40, LLC (TN)

First, I never received notification from Diversified Recovery Bureau, I had to notify them after XXXX stated that XXXX XXXX XXXX in XXXX GA had my account at the tune of {$2400.00}. Im a Veteran and I agreed to Settled with XXXX for {$870.00}, I only borrowed {$1400.00}, and made XXXX payments in the amount of {$160.00} each. I spoke with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX but she only gave me the Run around. I spoke with XXXX XXXX supervisor with Diversified Recovery Bureau and offered {$870.00} to Settled {$1400.00} debt, to-date Ive not heard back from XXXX XXXX XXXX as of a matter of a Fact he, XXXX XXXX XXXX XXXX, and stated that I wasnt to CALL DIVERSIFIED RECOVERY BUREAU and that he was sending my Account back to XXXX XXXX XXXX XXXX Im prepared and Ready to Settle this very small matter RIGHT NOW at this very moment!
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The following Accounts were paid in full in Accordance with 26 CFR 1.6050P-1 by creditors policy 's so please update to paid in full and balance of {$0.00} as shown by such filed 1099-C : XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  XXXX XXXX account XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/XXXX, I bought a XXXX from XXXX XXXX and put roughly {$3500.00} dollars onto a Comenity bank credit card. I never received one statement in the mail or never saw anything of the guidelines in person. They say I signed up for paperless statements but I don't recall doing that. The card was a 2 year interest free " promotion ''. So on XX/XX/XXXX I had 1 payment of {$200.00} dollars remaining. The card wasn't paid off so they charged me the .29 APR interest from my original purchase price. I was charged an additional {$1300.00} onto my account. 

I take responsibility for not paying attention and realizing that that deadline was XX/XX/XXXX. However, since I never received 1 statement in person I was unaware of the situation. I obviously would have made that last {$200.00} dollar payment to avoid paying the {$1300.00} in interest. 

I have called their call center and they advised there is nothing they can do about it. However, I am not sure where they are getting the {$1300.00} interest charge from. Nobody can help me in their call center or tell me where that number is coming from. You can do the math .29 % interest on {$3500.00} is {$1000.00}. Not {$1300.00}. I am trying to get help so I at least get charged the right amount. 

I feel that I shouldn't have to pay any of it due to me making all my payments on time and planning on paying off the full balance ( 1 month off ). I didn't receive 1 statement in hand and that seems unfair to me. I also am being charged the wrong amount.
Consumer complaint received 2024-04-26
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: TRUIST FINANCIAL CORPORATION (IL)

On my XXXX credit report the following inquires appear in which I did not authorize. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Truist XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX I have reached out to each company and they stated there is no account open and no proof of me requesting their services. I have contacted XXXX multiple times and they are refusing to remove from my report.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Santander Consumer USA Holdings Inc. (GA)

i contacted police once i returned home from a weekly vacation to realize that my vehicle had been stolen. some of my things were missing that were inside the vehicle like my wallet which had my credit cards, id and ssn card inside and a few clothes that i had stored in the trunk. i later realized that some purchases had been made and that unauthorized activity was showing on my credit report. ive contacted the agencies to get it resolved but no one has been communicating with me.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

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
Consumer complaint received 2024-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

All dates, all amounts, and all actions as stated in step XXXX. 

Show me the evidence : Where a contract exists between myself and the debt purchaser. 

Where my signature exists with debt purchaser. 

Any acceptance from myself in any form to debt purchaser. 

Basis of how the debt purchaser is claiming I owe them any money they are reporting to any and all credit reporting agencies.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have reviewed my consumer reports and I noticed that I have two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of ( XXXX, XXXX & XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
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: EQUIFAX, INC. (CA)

I am writing to dispute and request the immediate removal of fraudulent inquiry from my credit report. Upon reviewing my credit report, I have discovered several inquiry that is not authorized by me. This inquiry is damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this fraudulent inquiry and have enclosed a copy for your reference. Despite this, this inquiry is still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that this inquiry be removed immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 3rd party. They in fact did not come from a 3rd 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 2024-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST PORTFOLIO SERVICING INC (CA)

Debt owed to original company was charged off, paid, then sold. I'm not liable for this debit with XXXX XXXX XXXX XXXX I do not have a contract with the collection agency that's trying to collect this debt. They did not provide me with the original contract as requested.
Consumer complaint received 2024-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

My bank XXXX sends my student loan payments automatically every month to Mohela, it has been setup this way for a few years. This year Mohela has stopped processing the checks in a timely manner or in the case of these past 2 months worth of checks they are not depositing them at all. 

Calls to Mohela are pointless with hours long waits and representatives unsure of what to do.