davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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. (CA)

In accordance with the Fair Credit Reporting Act. The following list of accounts below has violated my Federally Protected Consumer Rights, both privacy and confidentially under U.S.C. 1681.

The account is as follows : 1 ) US BKPT CT CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - I.D . # XXXX ( Experian ) or I.D . XXXX XXXX or XXXX credit reporting agencies. 
15 U.S.C. 1681 Section : 602 ( A ) state I have a right to privacy.

15 U.S.C. 1681 Section 604 ( A ) - Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

U.S.C. 1681C ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information nor any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am requesting that these companies abide by the law and follow the rules accordingly.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (PA)

I have received a letter from Truist Bank informing me I have an account that closed and I owe the balance plus late fees. I have never had an account with them. I now have an open police report active and my credit frozen along with my usual bank. This is a case of identity theft, someone opened and closed an account with my person information including XXXX. Any and all attempts to open further accounts in my name, XXXX XXXX XXXX, should be treated as fraud until I am able to secure my accounts.
Consumer complaint received 2024-02-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (IN)

Ally financial charged my account off as bad credit or debt reported negative debt to the credit bureaus the loan was for {$9000.00} I've paid {$8900.00} they are reporting I still owe them over {$5000.00} they also reported late payments that were not late every time I've disputed it they have sent different payment histories with late dates different as the one before they do not match my payment history that I printed off of their website they also were charging me late fees that were tripled the amount they were supposed to they also reported that I was late on months that I was approved for a program called skip a payment that I did three times and paid to be part of. Because of the charge off it has affected my credit immensely I can not get a loan because my score is so low because of this I have always had good credit and paid my bills on time until I got a loan with this company. They also will not give me my title to my car that I have paid for - {$100.00}. I keep asking Ally to audit my account and send me my payment history and all the late payments that they have charged me for they tell me they will send it but they never do I've printed them off they do not match what they are reporting in this needs to be taken care of so that I can get my life back on track and get a loan to buy a house and stop renting buy a car because the one I have is about to break down I can not do any of these things because of this charge off bad debt they put on my credit
Consumer complaint received 2023-03-01
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-04-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

i refinanced my mortgage to lower my payments with a predatory lender by the name of XXXX. after about a year i received a letter from boa saying they had purchased my loan and i was due some payments. i started to contact them sending copies and dates. they threatened to foreclose so i talked to a attorney and was talked into filing XXXX to keep my house. boa never did straighten out the payments and to this day say i owe these payments. i paid my XXXX plan out and it seems i have paid them twice. boa sold the loan in the mid of bankruptcy and you are contacting them.
Consumer complaint received 2023-03-17
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
The US Department of Edu XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-18
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. (NC)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (MD)

I refer to the letter dated XX/XX/2019 from North Shore Agency ( hence after NSA ) suggesting that I owe an outstanding past due balance to XXXX and that NSA is collecting this debt on behalf of XXXX. The letter suggests that I owe an outstanding past due balance of {$130.00} to XXXX. The assigned ID # is XXXX, and the Invoice No. is XXXX. 

I have taken the following actions : -I have contacted XXXX costumer service to confirm that I never owe any outstanding past due balance and that the PO Box located in Pennsylvania that you have provided in your letter is not associated with XXXX  ; -I have examined my credit report and confirmed that this debt does not exist under my name ; -I have also examined my complete annual credit report and confirmed that your agency never attempted to contact my credit bureau to acquire my credit information ; -In light of the above information, I have reason to believe that NSA has fabricated this debt in order to harass me and collect my money.
Consumer complaint received 2023-07-18
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc. (IL)

The mortgage company Rightpath, finally updated my account and I have been unable to reach the attorney they hired to start foreclosure on my home, XXXX XXXXXXXX. I have left at least XXXX messages to stop this foreclosure with no response.
Consumer complaint received 2019-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2019, XXXX debited from my account {$170.00} usd for a fraud to my XXXX card, that day an adviser from XXXX XXXX XXXX asked me for my card to pay for something I had not used. 

That same XX/XX/2019 in the afternoon, debited from my account {$1000.00} usd without authorization and impersonating my Bank of America card, this money was fraudulently taken from my account, Bank of America was informed on XX/XX/2019 by phone and I reimbursed the {$1000.00} usd to my account, informing me that they would do the respective investigation reviewing the videos and the signature of whoever used the card including the police for the report of theft. 

Three months later, on XX/XX/2019, the Bank of America debited my account of XXXX XXXXUSD and {$130.00} usd of charges, informing me that the investigation made by them had been ruled against me. 

The Bank of America has not given me the documents with which I carry out the investigation, nor does it want to inform me why they made that decision, if it was not me who used the card and if a thief did it. 

I appreciate your intervention for the bank to return my money and charges and inform me why you have tried to damage my credit and my name also by law the bank of america must give me a copy of the investigation.
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: Experian Information Solutions Inc. (NY)

I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX
Consumer complaint received 2023-02-03
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. (MS)

I notice some inaccurate and incomplete on my credit report last month so I sent XXXX a letter on XXXX disputing the negative information including personal information and inquiries with USPS certified receipt XXXX XXXX XXXX XXXX  XXXX. Have not heard from them regarding this matter, per 15 USC 1681a all items have to be 100 % accurate and complete. I am asking for assistance to speed up the process because it keeps me from buying a home. I sent XXXX and Experian letters as well pertaining to the inaccurate items. 
Experian tracking # XXXX XXXX XXXX XXXX XXXX XXXX tracking # XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-07-04
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. (FL)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2017-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (GA)

RE : Loan Transfer from CitiMortgage to XXXX There is a discrepancy in the current principal amount. Citimortgage shows the current principal amount as {$89000.00} and XXXX shows the current principal amount as {$89000.00}. The difference is {$310.00}. Please have Citimortgage show me the calculation, and explain the reason that the principal amount has increased during the transfer to XXXX.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am in the process of buying a home. I have contacted Transunion several times to remove my disputes so that my credit report can process in my lenders under writer system. This has been going on since XXXX of last year when I originally tried to purchase a property. This is effecting my ability to close and qualify for the first time home buyer program. I have called several times over the last year.
Consumer complaint received 2021-11-24
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. (IL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent letters to XXXX, XXXX and Transunion about these false negative accounts on my credit report last XX/XX/, 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting to TransUnion. They removed it on XXXX and XXXX but they were not able to remove it to TransUnion with an account number XXXX. 
These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2023-02-03
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX XXXX )
Consumer complaint received 2021-11-24
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. (LA)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2019-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (OH)

Two Automatic Clearing House ( ACH ) transactions in the amount of + {$20.00} and + {$370.00} were debited from Citibank and transferred to XXXX XXXX XXXX on XX/XX/2018 and XX/XX/2018 respectively. On XX/XX/2018, XXXX XXXX XXXX   returned the funds to the originator. However, the funds were returned to the checking account at Citibank which was closed on XX/XX/2018. 
Per XXXX XXXX XXXX, the trace information for the return transactions are listed below : ( {$370.00} Return Trace : XXXX ) & ( {$20.00} Return Trace : XXXX ). 
Moreover, XXXX XXXX XXXX is unable to take any additional action to reclaim the funds on my behalf.
Consumer complaint received 2017-03-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caneel Capital, LLC (CA)

My name is XXXX and my property was foreclosed on XX/XX/2017 by Trinity Financial Services LLC, i was working with them on a modification and after over 12 months of attempts my home was finally foreclosure on, I believe that my home owner bill of rights were violated, i served this country and now i am homeless.
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (FL)

XX/XX/XXXX Regions Bank Mortgage Loan Number XXXX XXXX XXXX XXXX Senior Executive Vice President Head of XXXX XXXX XXXXXXXX ( XXXX ) XXXX Regions Financial Corporation XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX Tomorrow is XXXX and I am crying. 

I need your agency to dialogue with Regions Mortgage Department as I had agreed to a lengthened mortgage to resume at the same amount but extended in time to cover the pause in payment. It was the only way I could agree to forbearance. 

Forbearance on my mortgage started in XX/XX/XXXX with an interruption of XXXX payments of XXXX in XXXX XXXX. I resumed forebearance in XXXX of XXXX again with my written and verbal communication To Regions of repayment restart at same monthly amount and an extension of when mortgage payment would end. 

Forbearanace ended... 

A snail mail received XX/XX/XXXX stated I owed over {$7000.00} or could declare bankruptcy and go into foreclosure. 


In XXXX I applied over the phone for a forbearance pause to my mortgage with Regions bank. I was clear that the only way I could do this is if, at the end of the pause, I would resume my regular payments and the mortgage would be extended to reflect a longer time to pay with the same monthly amount and rate. 

I continued to believe this was okay when on the phone and by email I continually stated this, verbally and by email, during this period. 

I even interrupted the allotted time with XXXX payments in XXXX and XXXX XXXX XXXX of {$950.00} which was the monthly mortgage payment they agreed to. This acceptance of the monthly amount allowed me to think they understood my understanding and that they agreed to what I could do when the forbearance time was up. 

It was only at the end of the forbearance period XXXX days ago, near XXXX, I got a snail mail stating I owed over {$7000.00} with a caveat I could declare bankruptcy and go into foreclosure. 

I am a XXXX XXXX XXXX XXXX who has worked through many pandemics and currently I am high risk for COVID. I would never have agreed to this program ( clearly stated to Regions ) only to be met with a high payment and the option of bankruptcy and foreclosure/homelessness As a XXXX and prior frontline worker during COVID I am high risk and very clearly stated multiple times both verbally and by emails I could only start forbearance if at the end I could go back to the original monthly payments with an extended mortgage end date to cover deferred mortgage payments. 

I almost ended up in the local ER when I got the surprise snail mail from Regions stating the above. 

Happy XXXX and XXXX but not to me, a senior citizen, XXXX XXXX XXXX, XXXX