davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XXXX I was employed by XXXX XXXX XXXX, a business located in XXXX XXXX, Oh. XX/XX/XXXX their collections department, XXXX XXXX XXXX, reported a delinquent balance to my Transunion Credit Report. Supposedly, when I resigned the system they use, XXXX, put my account into collections and it looked like I owed XXXX XXXX a balance. I called the owner of XXXX XXXX and asked how I owed a balance. He stated that I don't. He emailed XXXX XXXX and told them to delete my account. XX/XX/XXXX XXXX XXXX XXXX deleted my account from their system but stated they can't call Transunion to remove it from my credit report because they no longer have my account. XX/XX/XXXX I opened a dispute with Transunion. The next day XX/XX/XXXX Transunion stated they reached out to XXXX XXXX XXXX. I called XXXX XXXX and they stated it's a process and will take 30 days. I don't have 30 days. I was in the process of purchasing a house. I need this collection account deleted from my report now.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

bank of america account appearing again on my XXXX  credit file after being removed correctly many times this account is not negative and should just be closedwithout any adverse reporting i have contacted bank of america numerous times and they removed it from my other reports but XXXX  keeps putting it bak on negative
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX balance and I want all these accounts to be removed immediately of my credit report on Transunion, XXXX and XXXX. Because they all are reporting closed with XXXX balances!!
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have been a Bank of America customer since XX/XX/XXXX, and I opened my account with my XXXX passport. In XX/XX/XXXX, a fraudulent credit card application was filed with my name and social security number. However, this application also falsely claimed that I was a XXXX XXXX. I have never claimed to be a XXXX, and I am currently in the XXXX XXXX. I am concerned that Bank of America updated my XXXX  status when this application was submitted and during the fraud investigation they did not correct it back to XXXX XXXX. I need written documentation showing that Bank of America erroneously put this information on my file and neglected to correct it as necessary, considering false claims to XXXX XXXX  can have devastating effects on XXXX. 
I have contacted Bank of America, including the Head of Consumer Client Services, several times regarding this issue and they have not provided the documentation they told me would be coming when I spoke to them on the phone. I need this written documentation to prove to the government that I did not make this claim in case the need arises. I have complained to the Attorney General 's office for my state and they were unable to rectify the situation.
Consumer complaint received 2022-12-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Harley Davidson Financial Services Inc (WA)

In XXXX, vehicle was vandalized while living and working in XXXX, XXXX. It was rear-ended by another vehicle in the parking lot and on one other occassion, others left bodily fluids on the vehicle. On another occassion in XXXX, the vehicle suddenly needed expensive repairs XX/XX/XXXX and was sent to XXXX XXXX XXXX. Upon driving vehicle out of XXXX XXXX XXXX, a stabilizer was left off, and the vehicle was not drivable. It caused an accident and injury to the co-owner. The vehicle was then driven to XXXX XXXX where someone else ran into the back end of the vehicle. Much of this was reported as the co-owner was left without work again and layoffs. By XX/XX/XXXX, there was a notice to call Harley Davidson Financial Services and the vehicle was taken. I still have a key. I never received a legal notice of an issue regarding repossession. I am the co-owner. I did not know anything about what exactly transpired with the vehicle and recently found out the vehicle was sold XX/XX/XXXX. Due to Covid-19, layoffs, and hardship, they took the vehicle and not one word from the owner. My doubt is that the owner, who would not transfer or exchange owner to co-owner, held the vehicle over my head. I have been gainfully employed at times and asked. The thought of trading in the vehicle towards a car was on my mind. I had XXXX XXXX coverage for a time period XXXX, then had an interesting issue on a freeway that would have totalled the bike. I had to change insurance to XXXX and got no help the way 'comprehensive ' insurance should work while living in XXXX XXXX My suspicions are insurance fraud. I no longer have the vehicle, but have some form of repossession on my credit now.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-03-24
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. (GA)

I filed a complaint with the CFPB and the creditor of the account responded stating that my student loan accounts with XXXX loan sequence 1-5 were removed from all of my credit reports with each agency. Unfortunately this was not accurate as Equifax and XXXX are still reporting these items on my credit reports with their bureaus. I disputed the items multiple times to no avail. The credit agencies are stating that they verified the accounts while the creditor has stated that the items have been removed.
Consumer complaint received 2023-05-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (WA)

My wife and I currently qualify to have our joint consolidation loan separated under a literal act of congress passed last year and we qualify for public service loan forgiveness ( PSLF ) as of several years ago. Our loans, under the law, should already be separated and forgiven. ( I fully understand that Department of Education ( DoE ) plans to have a fix by late next year which is not nearly soon enough. ) I had contacted my servicer ( Navient ) and they initially gave us three 2-month administrative forbearances while waiting for DoE to follow the law and separate or loans. Meanwhile DoE has provided some information indicating that we should contact the DoE Ombudsmen to let them know that we qualify and discuss a forbearance. See attached email and paragraph 7 of the web page at https : //studentaid.gov/XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the DoE Ombudsmen office previously and received a boilerplate reply that failed to address administrative forbearance while we wait for DoE to follow the law. I contacted Navient again recently to extend my forbearance and they indicated that they would not be providing administrative forbearance for people in our situation ( people like me who qualify for loan separation, etc. ). I am beyond frustrated that we worked so hard to get legislation passed and now Navient is ignoring the guidance from DoE regarding forbearance eligibility. I need help communicating the guidance at the above link to Navient and providing a path forward to a forbearance.
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (CA)

I refinance my house on XXXX XXXX, XXXX and opened mortgage with Quicken Loans. 
My monthly payment on 30 years fix interest loan was XXXX On XXXX XXXX, QL against my knowledge and my wishes created an Escrow account that is attached to my 30 years mortgage. Since XXXX XXXX I made over 10 requests to close Escrow account. QL refuses multiple requests to close escrow account unless I apply for new higher percentage loan. 

QL uses an Escrow account to frequently modify the amount of monthly payment, and charge me a fee if I can not pay new payment within the grace period. 

In XXXX XXXX clerk at XXXX XXXX collector office told me in person that I could make payment on real estate tax anytime until XXXX XXXX without incurring any additional fees. QL did not inform me about its intent and on XXXX XXXX, XXXX decided to pay XXXX XXXX collector office and present me with a bill. 

On XXXX XXXX, XXXX QL purchased second real estate insurance ( in addition to one I already had ) for the amount of XXXX. I complained and on XXXX XXXX, XXXX, QL issued a refund of XXXX. 

On XXXX XXXX, XXXX QL decided to pay XXXX XXXX collector office again and present me with a bill. My real estate taxes was paid by me in XXXX XXXX ( one month prior ) and QL issued a payment on taxes that is not due yet. Furthermore, QL paid on taxes that are not billed yet. 

I am asking QL to issue a refund of {$3800.00} because I already paid the second installment of XXXX taxes on XXXX XXXX, XXXX, close escrow account, and stop making payments on my behalf to entities that not even requesting payments.
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (TX)

I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 )
Consumer complaint received 2022-12-22
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, L # XXXX, has violated my rights 15. USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I am not liable for this debt with " XXXX XXXX XXXX, XXXX and do no have a contract with " XXXX XXXX XXXX, XXXX  they do no provide me with the original application like I asked
Consumer complaint received 2023-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (IL)

As I was looking over my files, I do not see a contract between myself, XXXX XXXX and the company : Exeter Finance. Can you please produce a contract that you- Exeter Finance and I, XXXX have signed that states you offered me anything and that there were securities and goods exchanged? 

Also, on a contract that I received from XXXX XXXX, it states that a contract was given over to Exeter Finance Corp. Can you elaborate on what is your company 's correct name please?
Consumer complaint received 2022-11-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

Waiting for this company to investigate why the payments that was sent to their mortgage payment address says it was cashed and not applied or sent to my new servicer!. Its been going on since XX/XX/2022. Need mortgage payments from XXXX and XXXX to be sent to XXXX asap.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

My credit reports show the agencies are reporting a bankruptcy with inaccurate information wrong dates and filings that appears under my name the account is outside of the bankruptcy when should be included in the filling the courts have confirmed they have given no agency the right to post this information in my file.
Consumer complaint received 2022-12-22
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update the following items that are harming my credit : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Campus Student Funding, LLC (FL)

I attended XXXX XXXX from XXXX. Was promised job placement and guaranteed my credits would transfer to other colleges but instead I received a useless degree that no one would accept and racked up about XXXX in private and federal loans. Advisors had no ideas about career paths or educational requirements for these. I was even told that job placement was more for medical students than XXXX XXXX majors when I attempted to get assistance. I was registered in classes that I did n't have to attend just sign in at the beginning of the week. All I wanted was to get a decent education to stay off the streets and instead I 'm being drowned in debt and had to start from zero to get a degree at XXXX XXXX. Apparently XXXX XXXX sold or partnered up with XXXX XXXX XXXX in order to continue stealing students money right before the lawsuit or during the case.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received an email on XX/XX/2022 from Bank of America that an attempt to open a checking account failed. I called them immediately and reported it as fraud as I did not open a new account. XXXX XXXXXX/XX/2022, I logged into my Bank of America consumer credit card and saw a new account was opened. The new account was opened XX/XX/2022 and is fraudulent.
Consumer complaint received 2023-04-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CA)

This is a Home repair loan from Wells Fargo Bank that was forged with a fake digital signature from their partner in business XXXX XXXX XXXX XXXX XXXX Company. It was a setup with the intent to finance the project with a Predatory XXXX. The interest rate is near 30 percent, my credit score is around 840. There was no full disclosure, no truth in lending.
Consumer complaint received 2016-04-12
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Bryant, Hodge & Associates LLC (IL)

Debt was discharged in bankruptcy in XX/XX/XXXX. Received letter XX/XX/XXXX from 3rd party collection agency stating that I still owe original creditor. I called Bryant, Hodges & Associates, spoke to XXXX XXXX & gave them the bankruptcy file number & told them this debt was not valid. He said my lawyer from the bankruptcy did not do their job & that here was an arbitration judgement issued in XX/XX/XXXX & that he was collecting on behalf of that judgement. He was able to finally verify the item was listed in bankruptcy discharge & continued to belittle my lawyer for getting me in this problem in the first place. He was very rude & made me feel victimized for something that is a non issue.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

The Capital one account showed up on my credit report. I told them that I didn't request the credit card. They're asking me to pay for the credit card fees and they will match. I told them that I'm not paying because I never ask for the card. Pay them to boost my credit but they lowered my credit by XXXX points for this card. I told them to remove and close. The continue to charge the fee and now my credit is a XXXX for the card and missed payments. I never got this card. Please remove from my credit.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Equifax, remove XXXX XXXX from my credit report for inaccuracies. You reported me late when XXXX reported me on time. Remove immediately this account as it is inaccurate. Keeping it on my report will be a violation of the FCRA.!
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2023 I checked my /checking account balance and noticed that {$4700.00} was withdrawn without my knowledge and to a person that I did not know. I notified the Navy credit union about this event and filled out a report with them. They denied my request stating that I was responsible for the withdrawal, and I could appeal their decision, which I did I at that time also notified them of the multiple notices that I had received from other institutions that their system 's had been hacked and my information my information may have been comprised. I did everything that was suggested by the banks personal. I also filed a police report XXXX with the XXXX Police . I was asked when I made the call to the bank to run a virous scan which I did at that time there was no virous found. I took my computer to XXXX to have them check and we ran a history on the computer and found out that the virous protection showed that it found seven virus that were detected and removed.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Re : Formal Dispute of Fraudulent Accounts Under the Fair Credit Reporting Act ( FCRA ) Request for Removal of Fraudulent Accounts from My Credit Report Dear XXXX XXXX Department, I am writing to formally dispute several accounts on my XXXX credit report that I did not open, authorize, or recognize. These accounts have been opened fraudulently in my name, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
Upon reviewing my credit file, I identified the following accounts that I did not initiate : XXXX. Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Creditor : XXXX XXXX  Amount : {$4800.00} XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor : XXXX  XXXX XXXX XXXX Amount : {$12000.00} I request that you conduct a thorough investigation into these accounts, as they are clearly the result of identity theft. According to the FCRA, specifically 15 U.S.C. 1681c-2, I have the right to request the removal of fraudulent accounts from my credit report. Additionally, under 15 U.S.C. 1681i, I am entitled to a prompt and fair investigation, and you are required to respond to my dispute within 30 days.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (TX)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify 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 need to be updated from erroneous reporting in my file. 

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