davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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. (CA)

On XX/XX/XXXX of this year i wrote a letter to XXXX, Experian & XXXX to notify the Elaborate mechanism that they are indeed Reporting fraudulent & Incorrect information & A Fraudulent Account : XXXX XXXX XXXX XXXX on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. They Responded by Mail on XX/XX/2023 & Notified me that the Fraudulent Account : XXXX XXXX XXXX Was removed from my Credit Report. XXXX & XXXX Followed up with another Letter 14 Days later on XX/XX/2023 and Notified me that they 'Reinserted " the Exact same Fraudulent account : XXXX XXXX XXXX on to my Credit Report that had been removed just 14 Days Prior. Completely ILLEGAL, Violating a Plethora of Federal LAW Codes & violating my Trust within the Banking System. Their Willful Disregard for Federal Law is Completely Absurd and Repulsive & I'm not sure why they believe that they're ABOVE the Law. 

Their Negligence has Caused me Stress, Physical harm, anxiety, Hardship, misfortune, suffering, Trauma and emotional turmoil. Months Later & XXXX, Experian & XXXX is Still Denying me of my Consumer Rights & Perpetuating their Wrongdoing & Violations of Federal law. 

The Fraudulent Account : XXXX XXXX XXXX was Removed & then Reinserted 14 Days Later, Perpetuating the Damages of my Reputation and my Consumer Profile. I'm Requesting the CFPB and Every other Federal Regulation to Recognize this as an attack on the Consumer & to step in and Counter their Fraudulent & Illegal Activity & Compel them to Follow the Law. 

I have no other Option but to View this as a Direct Attack on Consumers & I will not allow this Elaborate Mechanism to continue to Report Adverse and Fraudulent Account : XXXX XXXX XXXX on to my Credit Report, Especially after they have already removed it. Indubitably Preposterous, unethical, Deceptive, & Unfair Practices.
Consumer complaint received 2023-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

Submitted a payment for 2 loans on XX/XX/XXXX. One payment would completely pay off one loan ( {$31000.00} in principle, {$5500.00} in interest ) and a partial payment to another loan of {$42000.00} ( {$11000.00} in principle, {$6900.00} in interest ). 

My payment history lists the amounts paid to both principle and interest. However, their loan detail and payment screen continue show that the interest has not been paid off. The payments were applied to the principle but not the interest. This is also seen on the loan screen of studentaid.gov. 
MOHELA has not been able to offer an explanation for this. I sent an electronic message but was I was instructed to call customer service. I called customer service in XX/XX/XXXX and XXXX but no one could explain my situation. Today, a supervisor told me to wait until the website was updated. This was due to the extreme workload they were receiving, even though the payment was placed 6 weeks prior.
Consumer complaint received 2021-05-08
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. (NY)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.
Consumer complaint received 2021-05-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I've sent 3 letters to transunion in the passed 2 months in regard to fraudulent inquiries that are on my transunion credit report. My most recent letter was sent via certified mail to them stating that my credit report continues to show fraudulent inquiries from XXXX XXXX and XXXX XXXX and have requested that they are removed. However, they have not been removed ; The representatives continue to state that they have not received my letter, affavadavit and proof of identity despite sending it certified mail with tracking. I want these inquiries removed from my XXXX credit report immediately! This agency is in violation! 

I have attached my letter along with the tracking number! 
Tracking number : shows received XX/XX/2021 XXXX
Consumer complaint received 2016-03-14
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I 've had a credit card with Bank of America for 8 years. In the last few months I was having trouble making my payments. I called in and requested assistance and was told the assistance offered to me would make my payment hire. I then spoke with an associate about a settlement and decided that would be something I would like to do. After agreeing to the settlement, I did more research on the topic to make the best decision for myself then decided I would rather pay the loan in full and keep the card and acct. I called in to cancel the settlement and to advise I would like to pay in full. The representative repeatedly agreed that would be the best choice. She later told me I could n't cancel the settlement. Her manager later got on the phone and completed the cancel action in a few minutes. The next day, my account was charged off. I advised I only canceled the settlement due to my preference to pay in full. The representative told me she could put in a request to reverse the charge-off and scheduled a payment for approx. {$6500.00}. I advised I believe the full balance to more than that. She reassured me it was n't. I later called back in and asked a gentleman to confirm my balance the previous representative gave and he too told me the balance was approx. {$6500.00}. This morning I called to request a status on the charge off and was advised I had a balance of approx. {$1100.00}. I then got transferred and was advised of a $ XXXX balance. I walked her through my desires to resolve the account in full and have the charge off removed and my card reactivated. She adjusted the payment I have scheduled for XX/XX/XXXX to reflect the full $ XXXX but I still do n't know if doing this I will still have a charge off on my credit report. I 've been a customer of bank of America since I was XXXX/XXXX years old. I initially asked for assistance and could n't receive any. Now, acquiring the funds to repay my debt has turned out to be frightening and disappointing. I am currently in a charge off status. I am out of XXXX dollars and have nothing to show for my ability to repay my debt. Instead of securing a promise to pay for the payment in full, the agent decided to charge off my account. I do n't feel appreciated as a customer and I do n't believe Bank of America truly is interested in me doing the right thing. I can remember the agent on the phone when I expressed my desires to payoff the account in full asking me ... '' if you have money to payoff the account, why not continue to make your payments? '' What kind of company with any kind of morals would say that to a customer? At that point, I personally felt like their goal was to continue to get interest payments from me instead of putting my best interest first and helping me resolve a debt I owe.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This bureau is reporting XXXX. XXXX, XXXX as duplicate accounts which is inaccurate information being reported Do not know what this account is XXXX. XXXX XXXX Account # XXXX
Consumer complaint received 2021-05-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST HORIZON BANK (NC)

On XX/XX/XXXX, I purchased the property located at XXXX XXXX XXXX XXXX XXXX Nc XXXX. The title of the property is not clear because there is no recorded pay-off for the Deed of Trust filed in Book 7105, Page 396. 

Im unable to sell the house. 

First Horizon bank failed to record the lien release letter. I called them and they will not help me because I'm a third party. They want the seller to reach out to them and the seller has no incentive to help. I'm the one who is suffering damage now because i can't sell. The buyer is not in need of this letter so he is not helping. 

My property title is still encumbered by the Deed of Trust executed by XXXX XXXX & XXXX XXXX in favor of XXXX XXXX XXXX  XXXX XXXX, dated XX/XX/XXXX, and recorded in Book 7105, Page 396, XXXX XXXX XXXX, securing the principal sum of {$40000.00} and subsequent Assignment of Rents filed in Book 7684, Page 3059. 


XXXX XXXX XXXX XXXX  XXXX is now First Horizon. Can you get a lien release letter from First Horizon, please? 


I can send the settlement statement to you to show you that it has been paid off. 

The Uniform Residential Mortgage Satisfaction Act requires lenders to record the lien release within 90 days from the date of pay off. It has been more than 90 days already. According to the Act, the penalty on the lender ( First Horizon ) now is {$1500.00} for failure to record the lien.

I wasn't able to sell the house because of their negligence and I suffered financial damage from the failure to sell the house. 


I called First Horizon Bank ( Formerly : Capital Bank / XXXX XXXX XXXX  XXXX  XXXX ) They cant release information about this loan pay-off to me because Im a third party. 
The loan number is XXXX. 
And the prior owner of the house has no incentive to help. 

Thanks. 
XXXX
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo/Nationwide Credit arbitrarily closed our XXXX XXXX credit card account without notifying/contacting us prior to closure. The account had no balance and was one of our oldest accounts. I contacted customer service and requested the account be reinstated, as we intended to purchase new appliances within the the next few weeks. Customer Service refused this request and suggested I re-apply for a new line of credit. The closure of this card negatively affects our total credit limit and length of credit history, lowering both our credit ratings.
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-01-04
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: Bread Financial Holdings, Inc. (NY)

I had my payment set for XX/XX/XXXX. After somehow seeing the payment auto-deducted on the XXXX ( showed up on my bank account XXXX ) I was not happy but if they took the one time payment I wouldnt be pleased but no, that entire charge XXXX was 100 % fraudulant and unauthorized. 

On XX/XX/XXXX I logged in to make sure they didnt charge me again, and as stated above, they had. I do not and have never had auto-pay set up with them. The payment was not even due until XX/XX/XXXX. The payment was still pending but their exact words were there is nothing we can do, dispute it with your bank. And so I did. Too bad the charge from the XXXX didnt show up on my bank account until the XXXX, so they didnt see the double payment yet and deemed the charge as fine, even though I explicitly explained it was unauthorized. When it did show up on the XXXX, I had to file another dispute. Only this time, my bank froze my bank account for 2 weeks. I have had late payment after late payment for other bills because Comenity Bank basically stole money from me and wont give it back, and expect another payment this month : The money they fraudulently took on the XXXX they refuse to return. They have now locked my account and when I try to log in all I get is we are having technical difficulties. The stress and turmoil I have had to deal with is not only completely unacceptable, its straight up illegal. I am considering taking legal action against them. Comenity bank is the lender for my XXXX credit card, and just so happens to be the lender for a few of my other credit cards. I fear retribution : I fear them deciding to charge me whatever they want whenever they want and no consequences.
Consumer complaint received 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Acrisure Mortgage Partners, LLC (SC)

The loan requirements kept changing. I was told I needed to buy down my rates to qualify after being told initially that I was definitely pre-qualified. I went from having money in hand after the sale of my house to somehow owing {$2700.00} at closing. This was never communicated to me until the night before closing.
Consumer complaint received 2021-05-02
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: DFC Global Corp. (MD)

I have reviewed a copy of my credit report and I show company MONEY MART account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and XXXX  I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2015-11-07
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (TX)

I have a charge on my account for {$640.00} that I did not make. I have tried to contact Rushcard for a week now with no help. I am put on hold for hours and i went online and filled out a dispute form and faxed it in. I have yet to receive a call, email or acknowledgement that they have received my complaint. I have also had double charges on my account and then the charges go away but my money is never returned to me.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MO)

XXXX : In XXXX They reported that I was late although the dates reported I was not late. The year of XXXX I submitted documents proving I was on unemployment, and was willing to make a payment. However, they were not willing to accept anything less that the stated payment amount. Because of this they reported 8 late payments for all accounts ( 4 accounts total ). The reported late payments started at 60 days late on XX/XX/XXXX, but months prior to this I have on time payments. I would assume if someone was late it would start at 30 days at least. How is it possible to go from on time to 60 days late in the time span of a month? In the following year ( XXXX ) I received the National Emergency Forbearance Due to the Corona Virus Pandemic, Although I was under the forbearance I still received a late payment in the month of XX/XX/XXXX for each account ( 4 accounts ). This is tremendously hurting my credit report, and hindering me from getting approved from things I need. Everything else on my credit report is reporting positively. 

FED Loans : On XX/XX/XXXX I received a late payment of 90 days late. However prior to then I was on time. in XXXX and XXXX of the same year all accounts were reporting deferred. This is immediately after the late payment I received. 

XXXX : In the month of XX/XX/XXXX I began receiving late payments, During this time I was in a Forbearance because I'd just graduated I was given a total of 5 late payments XX/XX/XXXX-XX/XX/XXXX. During the month of XX/XX/XXXX I received a late payment on my student loans. This late payment was listed in error because I was under The National Emergency Forbearance Due to the Corona Virus Pandemic. 

I have spoken with XXXX, XXXX, Fed Loans, and the credit Bureaus and neither of them removed the late payments. During my last correspondence I wrote a letter to all three credit bureaus and they stated that all the information was correct although it is not.
Consumer complaint received 2017-09-08
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. (TX)

On XX/XX/XXXX I was notified through Equifax that I may be affect by a security breach at that company. The security breach occured on XX/XX/XXXX and I was not notified until XX/XX/XXXX.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-24
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

During the term where my loans have been counted as late is invalid. I was attending college through most of XXXX and through the beginning of the year of XXXX. I have documentation showing that I was in attendance through the Winter quarter of XXXX which falls into XXXX of XXXX with XXXX XXXX My loans by default should have been in deferment/forbearance for six consecutive months after my last date of attendance. I also extended my deferment for longer and refinanced the loans to consolidate them into one at a later date in XXXX prior to attempting to purchase a home for the first time. I continued to attend school throughout the years and was still in attendance until XXXX of XXXX. These loans should never have been considered late per federal student loan policy of deferments and school attendance.
Consumer complaint received 2023-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Brightwater Capital, LLC (NC)

This notice serves as my official complaint against ( BRIGHTWATER CAPITAL , LLC ). On information and belief, Brightwater Capital , LLC, took over an account from ( XXXX XXXX XXXX ) on XX/XX/XXXX. XXXX no longer owns the alleged debt. I received a phone call from a representative, claiming that they were calling to settle an alleged debt on behalf of the alleged creditor : XXXX XXXX XXXX on an alleged debt they claim I owe. I received the call at my job on XX/XX/XXXX. 

The representative was very obnoxious and rude and insinuated that would confiscate my property. Fortunately, my employer monitor calls for quality assurance. 

I am filing this complaint against XXXX XXXX, XXXX 1. Because they did not provide me a written notice within five ( 5 ) days of initial communication with me, which is a direct violation of the Fair Debt Collections Practices Act 809 ( a ).

Further, pursuant to 12 CFR 1006.34 ( d ) ( 2 ) and 12 CFR 1006. ( 1 ) ( 8 ) ( e ) I did not receive a written notice, ie... MODEL FORM B-1 Validation Notice , which is another violation. See sample of Model B1 form attached