davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

Dear CFPB, I recently received a copy of my (, XXXX, XXXX XXXX, ) credit report and I noticed some transactions posted on my credit report that is excluded by federal laws to my consumer reports ; XXXX, XXXX, XXXX, They reported my account as LATE in the month of XX/XX/2023 - XXXX XXXX XXXX XXXX Names of the accounts : - - TOYOTA MOTOR CREDIT Account numbers : - XXXX Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 

15 USC 1681 a ( d ) [ 2 ] ( A ) ( I ) ( 2 ) Exclusions. - except as provided in paragraph ( 3 ) the term consumer report does not include - ( I ) report containing information solely as to transactions or experience between the consumer and the person making the report ; On XX/XX/2023 you reported transactions from Toyota Motor Credit, Account Number XXXX my consumer report. The above section 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is not included on the consumers report yet you are reporting this information to my consumers report! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) to a consumer report is clear violation of XXXX Compliance! 

Provide me with a XXXX Compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported as Late Payment on XX/XX/2023 DELETE it from my consumer reports effective immediately. 

Now before you think to reply with validated. let 's be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 


Further more 15 USC 1666b ( a ) ( A ) Time to make a 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. 

I need the above transactions deleted from my consumer reports! 

Best Regards XXXX XXXX
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUSTMARK CORPORATION (TN)

Trustmark Bank received funds from XXXX XXXX XXXX program to reinstate my mortgage loan on my house XX/XX/XXXX. Letter sent XXXX saying I was approved for XXXX trial period plan XXXX XXXX. XXXX payment XX/XX/XXXX was told to by XXXX customer service make XXXX trial payment by XXXX XXXX. I went to Trustmark Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay XXXX trial payment for XXXX XXXX, XXXX. Trustmark Bank teller did not accept my payment she said her computer showed payment to be {$1500.00} she was rude wanted to argue about payment amount. She told me the computer show mortgage payment was different amount. Returned Trustmark Bank with Trustmark letter showing trial amount was {$1400.00} XX/XX/XXXX, made payment. Trustmark Bank was contacted to let them know the Trustmark teller would not accept payment. Trustmark changed the trial payment agreement. Letter dated XXXX XXXX, XXXX, said XX/XX/XXXX, payment was received, and XXXX was offering extension til XX/XX/XXXX for XXXX trial payment XXXX trial payment due XXXX XXXX, XXXX. Received Trustmark Letter date XXXX XXXX, XXXX saying Trustmark requested Foreclosure Attorney office proceed with foreclosure of my home Breach Letter. Request for mortgage assistance with financials was sent to Trustmark XX/XX/XXXX. Trustmark is not keeping their agreements that they have explained in their letters to me. Breach Letter sent for foreclosure after Trustmark sent letter saying they would work with me on the trial payments. I feel I am being discriminated against because of being a XXXX XXXX not treated fairly. 
LN # XXXX.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (FL)

I opened a travel insurance claim on XXXX. XXXX, on behalf of Chase, promises a review within XXXX business days. Despite uploading all required information repeatedly, today on XXXX, I received an email and voicemail requesting the same information again. Chase needs to instruct its vendor XXXX to meet the terms and conditions of its travel insurance benefits.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (FL)

The company Genesis FS Card Services is stating that I owe them {$1700.00}. there has only been purchases of {$970.00}. I don't see where they say they have credited me {$1700.00}. these are false statements and there is no purchase in any of the areas that show this much money was being used or has been used for any purchases. The statements are vague and they don't have all information theinformatin for XXXX and XXXX which statements we're not correct. 

The company was notified twice during the month of XXXX and XXXX about the incorrect balance.There was no feedback during this time that gave me the satisfaction that what was being said was true. There are no purchases or changes of any service or items that match the amount the company is saying I owe them. The true balance shows within their web page portal and dashboard.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

Tried to pay my loan and the servicer, Nelnet, is not allowing me to do so. By not allowing me to pay my loan- Nelnet is allowing my loan to accrue unjust interest.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

I have a WellsFargo Account ending in XXXX ( prime checking ) In the past 45 days, I have received over 25 overdraft fees assessed and many of them were engineered ovedrafts created with debit cards ( - {$1.00} or - {$9.00} ) or some online merchants like XXXX, XXXX and XXXX which came in without notice, etc and I have lost over {$1000.00} in overdraft fees in my account since XXXX XXXX I will attach my WFaccount and print screen of these drafts on this complaint to get your support to resolve this issue.
Consumer complaint received 2023-04-20
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. (NC)

I have been attempting to correct my credit report so that I can purchase a home. I have been struggling with this debt collector and credit reporting agency reporting inaccuracies on my file. I have sent certified letters disputing an account with XXXX XXXX. I have never had an account with this company and I have spoken with them over 3 times to confirm this. This debt collector is instructing me to dispute through the credit agencies so that they can remove the debt on their end when the credit bureau reaches out for validation. This account is not a valid and I have never entered into a contract with them nor did I authorize them to pull my credit. Per the FCRA it is already a violation for this debt to be on my file when there was never a contract or agreement with XXXX XXXX. Shortly after my dispute XXXX and EQUIFAX failed to do a proper investigation. Instead of removing the account like I requested and like XXXX XXXX owner or XXXX stated they would delete this because it should not be on my credit file. This account needs to be removed from my credit file. It has caused my score to drop XXXX points affecting my chances of approval for credit I desperately need and deserve as I have worked hard to maintain good payment history. EQUIFAX is not properly investigating this dispute because If they had the account would be removed due to the fact that there was never a contract or agreement for this account and it does not actually exist.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

AGAIN, I SEE- what you obviously cant. 

Laws- that require a bank in this case, to have to answer accordingly. 

Just because I owed SACS accredited colleges, allowing me to teach yes even law. 
As I tried and tried, in REAL TIME- as the so called mishandling was killing us. 

Even that generalized statement- of mishandling XXXX XXXX XXXX had to be FORCED OUT under my evidence to the federal CFPB. 
FORGET my accredited colleges- I tried to stop ALL MISHANDLING- by SHOWING the laws- to BOA XXXX- who proudly stated BOA COMPLIANCE WAS INSTRUCTING HIM TO HUMILIATE DISCRIMINATE AND NOT ALLOW ME TO VIEW MY FEDERALLY PROTECTED ACCOUNTS NOR GET A XXXX. 

Im not required to TEACH Bank of America laws. Never was never should of ever tried, all it lead to was more self incrimination and over obvious-
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSWORLD SYSTEMS INC (AZ)

XXXX sent me an invoice for a charge I am unaware of and not responsible for. Despite my inquiry, I received no response. Instead, XXXX escalated the issue to involve Transworld Systems Inc, which I believe is harming my credit. This situation seems fraudulent, as I have never had any transactions with XXXX, nor did I make the purchase they are billing me for. I also never heard back from them after my inquiry.
Consumer complaint received 2023-11-16
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. (FL)

Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide below 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. Personal information : Wrong name Variations ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ONLY CORRECT NAME IS XXXX XXXX XXXX Other incorrect personal information are wrong. Also phone numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other phone numbers are wrong. the only correct phone number is XXXX XXXX XXXX XXXX WRONG OR INCORRECT PERSONAL INFORMATION ARE the following addresses ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The following accounts are also fraudulent and need to be removed off my credit reports ASAP ( Collection account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-11-16
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: CL Holdings LLC (IN)

When pulling credit report and realized these damages on report. According to the 15 USC 1681 law there should not be any damages on my credit report especially unverified!

It is a defamation to my character! I recently disputed this account with the credit reporting bureaus and reporting company, and the information was reported as verified and accurate. I'm sure we understand that most disputes are often conducted using software, such as e-Oscar, and that the software can have limitations when it comes to completing a proper investigation of records. I am requesting AGAIN that all parties conduct an investigation as outlined in the FCRA Section 623 enforceable by FACTA 312 which affords me the right to request that the information furnisher conduct a reasonable investigation of the information being reported to the credit bureaus. Which I have sent a letter out to them and credit bureaus!

If unable to perform a reasonable investigation, or they are unable to locate the necessary documents to investigate my dispute ; then by required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by company and/or any entity. I let them know if they were able to conduct a proper investigation of the records for this account, and have identified the information reporting as being fully accurate and complete then please send me an explanation of the methods used, and a description of the records reviewed, when they conducted their investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of records and verify that a reasonable investigation was completed.This complaint is an attempt to correct the false or misleading information being reported on my credit reports and to correct all records.
Consumer complaint received 2017-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (MD)

I have negative marks showing up on my credit report for a student loan that should NOT be, but rather a  XXXX  benefit that was apparently processed INCORRECTLY. When I applied for classes in approx.   XXXX   XXXX    , I used my   XXXX   XXXX   XXXX   benefit to cover all costs, with  0 bal ance due. After later receiving some suspicious emails regarding a student loan due, I called the college several months ago to check my status, which they said is good, as I am now a   XXXX   XXXX   preparing to use further benefits for my education. My prior attempts to get more information through the suspicious email were unsuccessful, so the college agreed it appeared to be scammers. I am wondering if I need to contact the  XXXX   human resources  again, to check and see how this could happen. Any assistance is greatly appreciated!
Consumer complaint received 2023-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I was served with a court summons for a debt originally with XXXX XXXX. First, Portfolio Recovery Associates , LLC never contacted me whatsoever prior to this court summons. I received not a single call, email or mail correspondence from them and they provided no such documentation in the court documents. Second, I contacted XXXX XXXX over a year ago, in roughly XXXX of XXXX to report a fraudulent line of credit and charges that occurred out of state that were not mine. I was told by XXXX XXXX that the account was closed with a XXXX balance ( I was also told this by XXXX XXXX yesterday XX/XX/XXXX ). I have been locked out of this XXXX account for over 2 years therefore having no view of any additional activity that may have occurred and Portfolio Recovery Associates , LLC also provided no such documentation in the court documents they had me served with. I have no access whatsoever and have not had so, to any itemized list of charges for at least 2 years. After investigating this more on XX/XX/XXXX, Portfolio Recovery also added a {$5100.00} debt to my credit report, again after never contacting me about this! 

I did not open a line of credit with XXXX XXXX whatsoever and both this line of credit and the charges, especially out of state charges, as due to identity theft. I report was filed with the FTC Identity Theft Dept. and the report number is XXXX. A complaint was also filed here against XXXX XXXX for mishandling this situation over a year ago. 

I spoke to XXXX, Manager of the XXXX XXXX Fraud Department yesterday, XX/XX/XXXX, with an employee ID of XXXX who apologized for this issue as again, he showed my account was closed, showed a XXXX balance and confirmed I've had no access to the account, didn't even have access to a XXXX XXXX account number ) the only number I have is the last 4 digits Portfolio Recovery Associates , LLC included in their court documents- the full account number hasn't ever been provided to me ). XXXX XXXX has once again opened a claim as fraud and advised I'd receive a letter from them confirmed the investigation is underway. The results of the investigation, however, can take up to 60 days. 

I attempted to reach out to Portfolio Recovery Associates to inform them of this situation and they will not take my call. As soon as someone answers, they hang up on me! I don't have an email address that I can find to reach out that way.
Consumer complaint received 2023-11-16
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. (CA)

Under the fair Credit Reporting Act,15 USC 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning these accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified.Send me copies of the documents that you have in your files that were used.If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as a required under Section 611 ( a ) ( 5 ) ( A ) ( i ) By publishing these inaccurate and unverified items on my credit report & distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under FCRA 15USC 1681i all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts listed below within 30 days of this receipt you have to remove these accounts from my credit file. Accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (MA)

In or around XX/XX/XXXX, I fell behind on my mortgage payments due to testing positive for XXXX. This resulted in forced time off from work which resulted in the loss of household income. On XX/XX/XXXX, I applied for a XXXX XXXX loan modification with Cross Country Mortgage. 

For the next ten ( 10 ) months, Cross Country Mortgage kept my client on a proverbial hamster wheel of document submissions in which I was repeatedly asked by the mortgage company to submit the same pay stubs and bank statements over and over again by telephone. Over the span of ten ( 10 ) months, Cross Country Mortgage issued XXXX ( XXXX ) separate requests for pay stubs and bank statements and I promptly replied by providing these documents each time. 

On XX/XX/XXXX, after having received XXXX ( XXXX ) separate document submissions of pay stubs and bank statements from me over a ten ( XXXX ) month period, Cross Country Mortgage denied me for every loan modification which the XXXX XXXX had to offer. In its denial letter, Cross Country Mortgage made a series of false representations designed to delay and frustrate the loan modification review process. First, Cross Country Mortgage deliberately excluded any mention of the XXXX Refund Modification for which I, as a veteran, was entitled to be reviewed for as of XX/XX/XXXX. Second, XXXX XXXX deliberately excluded any mention of the Streamlined loan Modification for which I, as a veteran, was entitled to be reviewed for without having to submit a loss mitigation application as of XX/XX/XXXX. 

On XX/XX/XXXX I was informed by XXXX XXXX 's foreclosure lawyer that a foreclosure auction could be scheduled on my home as early as XX/XX/XXXX and that they were only waiting on the XXXX XXXX moratorium to end. I want to apply for a loan modification in XX/XX/XXXX and I need the CFPB to contact Cross Country to help me stop the foreclosure so my loan modification application can be reviewed. I have a wife and children and we have no where to go if XXXX XXXX takes our house. Please help.
Consumer complaint received 2023-11-16
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (CA)

I received a collection notice in the mail. I called redcard direct to find additional charges on my card. Reported fraud at that time. No card has been received approximately XXXX  months. Credit limit decreased {$3600.00} which affects total credit score. Negative report of late payments on credit report. After investigation, I have a credit on my account that can not be used due to no new card.