davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

My loan is currently serviced by SLS. They recently issued a notice of default claiming that {$1600.00} was needed to cure the default. This amount was paid to bring the account current. SLS claims that the account is still in default and proceeding with foreclosure action. SLS has not provided any records to prove up up the overall validity of the debt. 
As defined under Real Estate Settlement Procedures Act ( RESPA ) Fair Debt Collection Practices Act as well as the Fair Debt Collection Practices Act ( FDCPA ), it is required that current creditors hold the necessary documentation granting the authority of servicing rights and all applicable mortgage assignments from one lien holder to the next. These documents have been request in writing by way of a Qualified Written Request ( QWR ). SLS is in violation RESPA and CFPB law for proceeding with foreclosure action on a current loan. Since SLS is ignoring my requests for clarification on this matter, I am seeking your assistance.
Consumer complaint received 2023-01-07
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, have violated my rights. 

15 USC 1681b states, I have a right to privacy.

15 USC 1681b A ( 2 ) further states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have had identify theft, I contacted XXXX, XXXX and Transunion and completed initial fraud alerts and security freezes, There was a number of inquiries on my files that XXXX removed immediately, both XXXX and Transunion asked me to mail a copy of my FTC report and a cover letter with details of what was to be removed, I did this and XXXX followed XXXX by removing the enquiries, TransUnion however have rejected the removal of these items, and in fact Transunion advised me to commit fraud by filing another FTC case with the same details and sending it back to them, this is totally unacceptable and is crazy that Transunion have asked me to commit a fraud against a government agency by duplicating an existing fraud case.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (NY)

Dispite repeated calls American Express continues to email me information for another user. 

Ive contacted them asking them to fix and stop emailing me for the other user but the emails continue. 

Im sure the user would file her own complaint if she knew I was getting details about her account.
Consumer complaint received 2022-11-27
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: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

I received a Relia USBank Card that was generated by Unemployment Insurance of XXXX which I did not request. 
I contacted them and they told me to file a Fraud complaint I did. XXXX The XXXX Attorney General told me to call the fraud unit with Unemployment Insurance which I did left a message today. 
I have also called Relia Card and been put on hold waiting to talk to someone now. XXXX
Consumer complaint received 2023-01-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (NJ)

I have a 2016 Kia Forte no issues whatever besides the excessive oil burning. I get regular oil changes, have taken it to plenty of place wheres they dont find an issue or say its normal for Kia Ill be fine just always check my oil levels or saying I didnt need oil. My car has been known to stall while driving if I do forget to check the oil before driving which is very dangerous. This has been going on for a while and nobody finds anything wrong. The last time my car stalled it didnt move again it was towed to be looked at and it was found that the motor was blown. The repair man told me he could not find that kind of motor and even if it did the amount Id pay would not be worth it for the car. I called Kia they said I did not have a warranty because I was over XXXX miles and they also didnt have a engine and even said they dont make the engine anymore and refer me to XXXX other places XXXX place did have a used engine it was {$3100.00} and told me it would take XXXX hours to repair which would cost me about XXXX. I did finance this car so now im stuck paying for a car rendered useless because I dont have that kind of money and Id I did it would just make sense to get a new car because r could still end up having engine issues after repairs. I know their is a class action against Kia and Hyundai for this exact reason so I just wanted to reach out to somebody.
Consumer complaint received 2023-01-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (NJ)

On XX/XX/2023, I contacted Bridgecrest ( my auto loan company ) about the exorbitant interest rate of 22.391 % that they are charging me. I asked for them to adjust my rate as it is hard for me to manage and that the rate is technically consumer usury. They responded by saying that " I signed the contract and that they can't do anything other than recommend that i contact a third party to refinance ''.
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

An affidavit of Billing Error Notice was mailed to XXXX XXXX XXXX but they didn't respond back. 

The account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. 

CONSUMER PROTECTION LAWS and U.S. CODE VIOLATIONS : Equal Credit Opportunity Act / Truth in Lending Act Regulation Z.

Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information.

Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices.

CFPB 1026.23 Right of Rescission ( cancellation ).

A note is only a promise to pay and not payment ( Fidelity Savings Bank v Grimes, 131 P 2d 894 ).

15 U.S. Code 1692a ( 1 ) - Reporting to fake credit bureaus such as Transunion, Experian, and Equifax.

18 USC 112/ 5th Amendment - Depriving my liberty as a National of the United States of America ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process of law and/or without my consent.

42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history.
Consumer complaint received 2023-05-24
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: Central Portfolio Control Inc. (TX)

XXXX XXXX XXXX XXXX Loop XXXX XXXX XXXX XXXX Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX, XXXXXXXX XXXX XXXX and Central Portfolio 4 ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2023-02-03
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-31
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. (AZ)

I disputed an account and pulled my report to see the result of the dispute because i received information that it was verified. As i pulled this account, i noticed several inaccuracies that still exists on this account which informs me that it was not a thural investigation into this account. Its my understanding that the Credit Bureau will investigate this account for me and insure maximum accuracy. As i'm looking at this account, im looking at several inaccuracies and none of the inaccuracies has been investigated or corrected and has been deemed validated. Here is the account im asking you to verify as accurate as they NOT seem to realize many inaccuracies. XXXX XXXX XXXX
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I sent a letter to Equifax notifying them that I have NEVER lived XXXX XXXX XXXX XXXX XXXX MA XXXX. The address is a business address which would make it impossible for it to be my place of residency. I asked them to delete the address and any associated accounts that may be associated with this false information on my report. Equifax failed to delete the address. I also notified them of the inaccuracies on the XXXX XXXX  Account No. XXXX. They claimed the account was verified after I pointed out that they were reporting the wrong date the account was first reported. They show two different dates one says the first reported date of XX/XX/XXXX but the account history shows the date first reported was XX/XX/XXXX. Which one is accurate? How is this consistent? I also asked them to investigate XXXX XXXX Account No. XXXX as I do not recall being late XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. In accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( i ) ( ii ), if you are unable to verify the payments were late ; please update the account to show OK/never late/pays as agreed. Clearly, this information doesn't make sense and a proper investigation was not performed. Equifax has not responded.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (SC)

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.
Consumer complaint received 2022-11-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

In a letter dated XX/XX/XXXX Bank of America ( The Servicer for my loan, which is a Countrywide XXXX that XXXX XXXX XXXX XXXX XXXXXXXX owns or is the Trustee for ) wrote : " During a telephone conversation on XX/XX/XXXX, I discussed that in order to be approved for a payment deferral, your loan must be no more that 18 months past due. At the time of the call the loan was paid through the XX/XX/XXXX installment and didn't qualify as it exceeded the deferral program requirements. '' In XXXX and XXXX of XXXX I made a total of six months of payments in total to bring my total outstanding number of months down to 17 to qualify for the covid-19 deferral plan that I was told I was eligible for. I was told I was only eligible for 17 months of deferral because I had first applied in XXXX of XXXX for covid-19 relief and not in XXXX of XXXX. 

In XXXX of XXXX I was denied the 17 months of deferral on the grounds that XXXX XXXX XXXX XXXX XXXXXXXX  guidelines did not allow for a deferral in my case.

I was told to apply for a modification. After several months of submitting documents, that often got lost or did not arrive ( all sent by fax because the portal was not working ) to Bank of America I was told that I would be given a three month modification trial period but later told that I did not qualify for a modification because my income was too low. 

Several customer service representatives told me that did not make sense and that I should appeal and also file a complaint with the Ethics Department. On XXXX XXXX XXXX  Bank of America wrote in a letter : " Our records indicate we used the average of XX/XX/XXXX and XX/XX/XXXX rental income to calculate the gross monthly income of {$5200.00}. Please understand that when considering renal income, there is a vacancy factor of XXXX percent and debt services ... '' What does not make sense is that this is my primary residence and I do not rent it. Bank of America has taken the position that my income should be reduced by 75 % on the grounds that it is primarily rental income. If I chose to not take a salary for work that I do on rental properties but instead take the rental income rather than paying myself why is Bank of America allowed to reduce it by 75 %. 

The whole point of modifications is to prevent mortgage foreclosures ( As Senators XXXX and XXXX discussed in their XXXX Bill XXXX XXXX ) but here Bank of America is taking my income and reducing it by 75 percent. They have taken a monthly income of {$15000.00} plus/minus and reduced it to {$5200.00}. Instead of giving me a three month period to show that I can make the payments they are telling me that I can sell the house.
Consumer complaint received 2023-03-09
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. (SC)

This is my several endeavors to tell credit bureaus 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 XXXX XXXX XXXX XXXX XXXX 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 2023-06-02
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: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting has violated my rights under Fair Credit Reporting Act Under - 15 USC 1681 -6028 - Right to Privacy and 15 USC 1681 - 6042 - Right that I most give written permission Under these two violation I am requesting they be removed from my report
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF THE WEST (MN)

I was sent a credit card from Bank of the West. 
It is supposed to have 3 % cash back and a XXXX dollar bonus if i use XXXX in 90 days I am unable to get or even see any of these benefits because they wont let me open an " online account '' to manage my credit card several days of trying and hours with there customer service on the phone gets me the answer that " my account needs to be verified. They will let me know when that happens '' along with long hold times and switching reps to start over with and being hung up on. 

Since the credit card already works, I can not imagine what it is that needs to be " verified '' neither does anyone at the company that I can speak to on the phone.
Consumer complaint received 2023-03-09
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. (PA)

This is my follow-up complaint to inform you that I am a victim of identity theft. The items I am disputing today have no connection nor affiliation with me and my transactions. 

Please remove the listed items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX