davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-24
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: EQUIFAX, INC. (IL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2020-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

In XXXX of 2020 Synchrony Bank closed my credit card account. One payment was returned by my bank due to an error on my part. I had left the automatic payment function set to pay off my balance in full. Due to reduced work hours because of the COVID pandemic, my cash flow was reduced. However, I still paid more the minimum due within days of realizing my mistake and I had not missed a payment before. I tried explaining this in a letter to the bank, but I have not heard back from them. I believe I am credit worthy and my account should be re-opened.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (SD)

I used my card for a hold downpayment in XXXX to XXXX XXXX. XXXX XXXX The purchase never was made. The card was charged 3 times for {$500.00} Chase card services is fradulent I believe i have submitted a complaint before For a while the balance on the card was {$0.00} Now it is {$500.00} please assist in this matter The card was charged 3 times, XXXX refunds were issued.
Consumer complaint received 2020-12-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Premier Mortgage, LLC (CA)

Starting on XXXX XX/XX/2020, representatives from Premier Mortgage LLC have been incessantly cold-calling. Over 25 calls in 7 days and one email.

They state they " are calling from the VA Department '' misrepresenting their affiliation. Also, when asked to clarify, they insist they are calling from the Department of Veterans Affairs, and make an effort to distract and move on to offer a VA streamline refinance.

I asked 7 times to be placed on their do not call list. The calls continue. One loan specialist threatened me when I brought up misrepresentation as a VA official. Others refused to provide their names and license number and hang up the calls. 

The email they sent copied the addresses of XXXX recipients fully disclosing all email addresses. 

XXXX XXXX XXXX Managing Partner XXXX # XXXX Premier Mortgage LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Office : XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX
Consumer complaint received 2020-12-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

This is my third attempt disputing with XXXX, XXXX  and Experian. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.
Consumer complaint received 2020-12-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

second time disputing this account this month because transunion clearly doesn't know the law, this account is not even close to being accurate to the original creditors. debt collector account say I owe {$200.00} and the original creditor say I owe {$550.00} this my dozen time disputing this account, XXXX & XXXX  BOTH REMOVED THIS ACCOUNT BECAUSE THEY SEE IT HAS A HUGE VIOLATION. Please view the highlighted areas Thank you.
Consumer complaint received 2015-11-08
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (CA)

I have an account with Honda Financial that is not reporting correct to the credit bureaus. It was a lease I paid it off in full I was only late XXXX payments They reported multiple late pays and I have contacted them over and over to resolve. I have also tried to dispute it through the credit bureaus but it was not fixed.
Consumer complaint received 2020-12-26
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. (PA)

I filed my original complaint with Consumer Financial Protection Bureau XX/XX/2020. Experian answered with a letter XX/XX/2020. Your instructions specifically told me to only give my name-address-amount in question & phone # for contacting me. I did that. Beginning XX/XX/2020 I started to receive phone calls, and text messages from phone numbers that my cell phone listed as SCAM RISK High. Every one of the calls and texts referred to my financial difficulties, and most of them had the exact amount XXXX {$3100.00}. ) that I gave you in my complaint. 
Obviously, Experian is selling people 's personal and confidential information to hackers. Who then try to obtain SS # s date of birth, etc. As a government agency, it is your responsibility to protect citizens and their info. Experian should be fined or arrested for selling peoples confidential information!! 
These credit report companies only interest is to obtain SS # -DOB which they then sell to highest bidder. My original complaint # was XXXX.
Consumer complaint received 2020-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (IL)

I was a victim of identity theft that started in XXXX and discovered in XXXX. There were a number of accounts that were opened in my name without my knowledge. After the identity theft was discovered, the police was notified and an investigation was opened in XXXX County Illinois. I checked my credit report when I discovered that most of my accounts were compromised and significant fraudulent charges were placed on my existing credit cards and new online loans were opened in my name fraudulently. 
I contacted all my credit cards providers and was able to resolve the situation where they closed the questionable accounts and work with me to fix the situation. 
My complaint is with one credit collector by the name of NCB Management Services that has not been responding to my request to remove the collection report that they are continuously reporting on my credit report ; this causes my credit score to be negatively and severely affected ; this has caused a significant affect on my financial reporting and has caused hardship due to the fact that I am unable to receive a mortgage to buy a home. 
I contacted NCB Management Services and they are refusing to remove the inaccurate and fraudulent report from my credit report. They were not able to prove that the alleged debt is mine ; they keep sending me generic paperwork that does not prove that the debt is mine and they are unable to ascertain that the debt is mine. Anyone with access to a computer and my information could have easily applied and received the alleged loan. 
I am kindly requesting that you contact NCB Management Services and help me to resolve this matter as quickly as possible and force them to remove their account from my credit report.
Consumer complaint received 2020-04-22
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: EQUIFAX, INC. (MO)

I have sent letters and never got a reply, I have called and never got anyone to answer just a repeating auto information, I am locked out of my accounts with Equifax and XXXX. They are no help.
Consumer complaint received 2017-04-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America commits felony by using fictitious names, see the federal law, USC violation prima facie evidence!!! FELONY CRIMINALS!!!!! NOW YOU MUST PROVIDE A VALID RESPONSE AND STOP REPLYING WITH YOUR XXXX!!! YOU NO GOOD XXXX!! 
NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 
As XXXX 's Law Dictionary explains, the full capitalization of the letters of one 's natural name, results in a diminishing or complete loss of legal or citizenship status, wherein one actually becomes a slave or an item of inventory. The method, by which the State causes a natural person to " volunteer '' himself into slavery, is through forming legal joinder, implied or stated, with the entity or legal fiction ( name all CAPS ). Of course, most natural persons would n't willingly form such an unlawful but legally reductionist joinder, so trickery and obfuscation are used ; and this starts when our birth certificates are created. 
[ The initial joinder is formed when a legal Birth Certificate is issued by the State, name in all CAPS. In fact, both the Certificate of Birth AND Social Security number, are for " inventory '' control purposes, similar to the XXXX XXXX 's manifest or those numbers or records used by legal entities or Corporations to track, account for, use and dispose of inventory. ] Bank of America does not provide full disclosure on their " contracts for life '' and they fail to show clarity and validity of applicable terms to perform under their rules, wat is shown is presumptions and proven criminal willful intent to defraud and steal and lie, just the tactits they use to XXXX people on mortagages and steal houses that already been paid for multiple times. These are professional criminals and they do get caught and just pay settlements, but just XXXX more people to make up for it. Very sad they arent shut down. XXXX
Consumer complaint received 2015-06-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: POPULAR BANK (NY)

I have a Business Debit card with Banco Popular NA and somehow money was taken out of my account using ATM machines in other areas of NY ( XXXX and XXXX ) for XXXX day totaling about XXXX. I never lost the card I still have it and the bank tells me i might get my money back but as of now no credit. I saw online that after XXXX days I am supposed to be given a CRedit untill the investigation is complete. Please help me.
Consumer complaint received 2021-12-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear Sir, I start to inquire about the 20 years refinance from Bank of America on XXXX XXXX, 2021, from loan officer XXXX XXXX XXXX # XXXX and he told me that I am preapproved based on the credit report profile 's debt ratio. Based on his mortgage proposal - XXXX, then I start to submit the loan application by paying {$120.00}. The loan number is XXXX. 
The XX/XX/2021 I got a rejection message that said I have " 11 % off from the debt ratio to be approved and ask me to think of cash of {$31000.00} to pay off my daughter 's student loan. He said my current debt ratio is XXXX and need to pay down to below XXXX. '' It is a big gap. I have XXXX XXXX XXXX in XXXX credit file. If he told me from the beginning for this big gap of approval, then I won't go ahead to apply it. 
I request Bank of Amwerica to refund my application fee and no any other charge for my application. No integrity at all! 
Best regards, XXXX XXXX
Consumer complaint received 2020-12-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (KS)

I requested a 6 month forbearance from Home Point Financial back in XX/XX/XXXX which they granted. I knew that at the end of my forbearance that I would be given one of two options, either to pay back the past due payments in one lump sum or have the past due amount paid off at the end of the term of our loan. 

At the beginning of XXXX, my wife contacted Home Point Financial to discuss our options as the forbearance was set to end at the end of XXXX. We were then advised that we would need to apply for a loan modification for which Home Point Financial requested us to submit documents to them including, payroll statements, bank statements, tax records, etc. I emailed back the loan modification request to Home Point Financial on XX/XX/XXXX. I never received any form of confirmation from Home Point Financial that they received our request. 

My wife called Home Point Financial on XX/XX/XXXX to inquire about the status of our request upon which Home Point Financial advised her that they required additional paperwork from us to complete our loan modification request. Much of the paperwork that Home Point Financial was requesting had already been sent on XX/XX/XXXX. However, Home Point Financial failed to act upon our loan modification request in a timely manner and was now asking for us to send updated bank and payroll statements which we did not mind doing. 

Home Point Financial advised us that the paperwork needed to be received by XX/XX/XXXX. Beginning on XX/XX/XXXX, I began receiving daily phone calls during weekdays from a man named XXXX from Home Point Financial. The purpose of XXXX 's calls were to remind me that Home Point Financial still needed additional paperwork from us to complete our loan modification request. I acknowledged this fact on XX/XX/XXXX when XXXX originally called me. I also advised him that my wife had already spoke to someone at Home Point Financial two days earlier and we would get them the paperwork before XX/XX/XXXX. 

Every time XXXX from Home Point Financial calls, he tells me the same thing, that he needs the paperwork by XX/XX/XXXX, XXXX has called me six times beginning on XX/XX/XXXX. I have repeatedly told XXXX that we will send the paperwork in before XX/XX/XXXX. Despite this, XXXX continues to call me every weekday to tell me the same thing. I advised XXXX that I found his calls to be hairdressing and hypocritical considering that it took Home Point Financial so long to get to our loan modification request that they needed updated bank and payroll statements.
Consumer complaint received 2017-03-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

After 2 years of continuous payment with Navient ( formerly XXXX ) I requested my cosigner be released because he has been threatening me. My credit report stated XXXX and I have XXXX delinquencies based on the report I printed out. They still rejected my claim. They did not want to work with me whatsoever.
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (MD)

On XX/XX/XXXX an accident rendered my car a total loss. I was in the 4th year of a chapter XXXX bankruptcy at that time. In XX/XX/XXXX payment of the total loss ( roughly {$8100.00} ) was remitted to Prestige, the lien holder. When I called to verify the payoff in XXXX, they denied having it. Under my chapter XXXX plan, the amount owed ( roughly {$6000.00} XXXX was less than the payment remitted to them. Shortly thereafter, Prestige initiated a GAP claim without my knowledge for the amount of the loan which would have been due outside the bankruptcy. They provided all information requested to that company. When I became aware, I questioned them about it and in XXXX they allegedly canceled the GAP claim. I don't know if this is true, but they would have been paid again if not. If it was legal to proceed in this manner, why did they not receive compensation and leave me alone? In XXXX, they requested to be removed from the bankruptcy provisions and to be allowed to accept the payoff. It was granted, months after accepting/holding payment for the loss. To date, they are reporting the account as open with a balance of {$11000.00} with a payment made in XX/XX/XXXX. This is all false. How are they able to circumvent the chapter XXXX, file a claim using my personal data, keep the money and still claim the original amount while reporting on my credit bureau reports?
Consumer complaint received 2020-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TN)

Received a communication from a debt collector ( credit management, L.P. ) suggesting that I owe a debt to XXXX cable for {$110.00}. I have not had any communication from XXXX since XXXX of 2020 when our business was closed from an apartment internet service. I owe absolutely nothing to XXXX and I am outraged that they would not only charge me without reason but then fail to communicate any knowledge of this supposed debt to me until I finally receive a notice from a debt collector and see damage to my credit.
Consumer complaint received 2020-12-25
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wromng person.
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (MI)

XX/XX/XXXX, I looked at my report. I sent a letter to Experian on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXXAccount number XXXXXXXX XXXX XXXX XXXX-Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount number XXXX XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( i*promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681 eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is supposed to happen ( A ) Reporting information with actual knowledge of errors 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. 


( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii ) the information is, in fact, inaccurate. 


Experian really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case