davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$3100.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$620.00}
Consumer complaint received 2019-11-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have been a victim of identity theft. I have filed police reports in GA with my local department regarding these occurrences. I have been able to remove most of the damage done to my credit report but third party companies, such as XXXX and XXXX XXXX XXXX  have a Bank of America checking account closed listed in my name and ssn which was closed around XX/XX/2017 due to an unpaid amount of {$2400.00}. I never opened an account there.
Consumer complaint received 2018-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TN)

Whom This may Concern : All three of these complaint 's are tied in together. Our home we feel was unfairly foreclosed on XX/XX/XXXX at XXXXXXXX XXXX at the XXXX County Courthouse. 

1. XXXX XXXX XXXX was the cause of all this. Had they worked with us none of this would have taken place. I would have been able to keep working as a Broker paarttime and kept our payments made on our first mortgage instead of trying to move me and everyone and everything our of a home we built, loved and wanted to keep. 
I put the home on the market for sale in case I could not save our home fast enough, then XXXX and XXXX XXXX XXXX would get their money and we would hopefully get some of the well over {$100000.00} equity we had tied up in the house. We built in XXXX. XXXX XXXX XXXX appraisal came in at {$430000.00}. In XXXX we put a extra {$20000.00} plus my husbands labor and another builders labor into the house. In XXXX I had a local appraiser appraise the house as they once work with XXXX XXXX XXXX. They brought the house in low at {$420000.00}. 
XXXX at XXXX was helping us second week of XXXX to get a loan modification with XXXX XXXXXXXX since the foreclosure was stopped on XX/XX/XXXX. XXXX said she subnitted the 185 plus page documentation to XXXX in the portal on XX/XX/XXXX. 
The next day XXXX calls me and said they had sent the loan to Bay View Loan Servicing. I was told to work through them for a loan modification. All the while XXXX had reset the auction foreclosure date for XX/XX/XXXX. There again tying up our hands from getting a loan modification through Bay View Loan Servicing or  giving us a chance to sell at market value. They killed us by advertising our home up for a starting bid of {$200000.00}. 
XXXX lies when they said I said there were no changes in there letter. I told them there were no changes, except I had another few closings and I still was waiting on my XXXX taxes to be completed by my bookkeeper and CPA. 
XXXX XXXX XXXX  XXXX denied us a loan modification. They said because it was within a 37 day period of XXXX foreclosing. 
I DO NOT UNDERSTAND WHAT BAY VIEW SERVICING WAS DOING WITH OUR LOAN WHILE XXXX WAS FORECLOSING. XXXX XXXX XXXX IS BEHIND THIS. 
our family is devastated. the buyer broke into our home the next day and changed the locks. My bookkeeper was there getting my washer and dryer when they broke in the kitchen door. 
We have been abused. Both banks could have worked with us. i proved by keeping in contact with them monthly and sometimes weekly that we were good creditors. we paid them, fell on our luck a few months and they stole our home. We are noe out of our {$100000.00} dolaars only retirement money we had. 
Bay View called on the XX/XX/XXXX to say they will be in touch. i told them they foreclosed on us. 
Please help get to the bottom of this. 
Respectfully, XXXX and XXXX XXXX
Consumer complaint received 2023-04-01
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. (CA)

This is my ninth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance - ; XXXX, XXXX XXXX Balance {$1300.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance {$8000.00} ; XXXX XXXX Inquiry : XX/XX/2022.
Consumer complaint received 2023-04-01
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've paid all accounts in full and its listed on report as closed also my credit score has not changed in 3 months or more I contacted them several times but it still doesn't change XXXX XXXX is not reporting correctly
Consumer complaint received 2023-04-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX and my wife XXXX have had the worst customer experience with WellsFargo regarding our home mortgage. We are a family of five ( plus XXXX kids ) have been WellsFargo customers for over 23 years and feel powerless in the loan modification refi process, compounded with threatening letters asking us to move forward with selling our only home. Our history with WellsFargo has been stellar, keeping high balances and never missing a mortgage payment. Our banking situation was directly impacted during the pandemic as I became sick with XXXX early, well before the vaccine or any medicinally approved testing protocols. We were transparent with our bank with our financial situation as I was/am the primary provider. After getting gravely sick and recovering twice, it was time for us to resume regular scheduled payments. The representative assigned to us named XXXX XXXX was unavailable and hundreds of calls went unanswered as her voicemail was full. It put my family through two years of fear. Until WellsFargo gave us an ultimatum to pay the outstanding balance or leave the house. They have ignored two written letters explaining that they had previously approved a loan modification. Without any assistance or power, we sadly agreed to liquidate my 401K in order to pay the nearly {$90000.00} cash. That doesnt factor the 40 % hit we took due to early withdrawal. WellsFargo had single-handedly destroyed our security. I beg you to please assist us in holding this bank accountable and help us find a fair middle ground on our mortgage. Thank you.
Consumer complaint received 2022-05-04
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)

n accordance with the Fair Credit Reporting act XXXX  Account Name U.S DEPARTMENT OF EDUCATION Account # 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 2019-07-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GMA Investments, LLC (OK)

I previously filed a complaint with CFPB on XX/XX/XXXX. Summit Receivables agreed to mail me documents showing what they are trying to collect and to place a " cease and desist '' on my work number. As of XX/XX/XXXX no information has been received and the phone calls at work have resumed. They are calling relatives saying I used them as a reference ( I did not ), they called different extensions at work saying they are returning my call. I work for a XXXX ( this is definitely a big no no ), and they call my personal work number at least once a day. Here is a list of times they have called to my work number alone : XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX and XXXX XXXX 
XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX
Consumer complaint received 2019-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

For several years now I have been trying to have 2 accounts removed from my credit reports, XXXX, XXXX, XXXX from this 3rd party debt collector. 
After several letters, request to show proof of original application, I am still getting harassed with letters and my Credit report has been affected where I can no longer get any kind of credit. 
1.Company is : Portfolio Recovery Associates , LLC Address : Disputes Department, XXXX XXXX XXXX, XXXX VA XXXX Merchant : XXXX- Original Creditor : XXXX XXXX XXXX account XXXX XXXX in the amount of {$1200.00} 2. Company is : Portfolio Recovery Associates, LLC Address : Disputes Department, XXXX XXXX XXXX, XXXX VA XXXX Original Creditor : XXXX - Seller : XXXX XXXX XXXX Account # XXXX Please note when requesting verification on debt with my signature, they send me a photocopy of a bill with an old address of an apartment complex that I lived in over 5 years ago. Unfortunately, our mail box was a shared box and I had a number of accounts trying to be opened under my name. 
I am XXXX and on a limited income. I have no more time for this company and would like to have this problem removed immediately. I am tired of getting the run around from this company and all the other names they use to try and get money from me. 
It has cost me money to mail letters certified to them, pay a credit repair company with money I DO NOT have only to receive letters from one of their other subsidiary companies. 
I have sent another letter to them today via email with specific request to show proof that I opened these accounts in question. 
I would like this taken care of immediately so that I may Retire in peace and get my credit report cleared. 

Thank you for your attention to this matter Looking forward to hearing back from you in a timely matter,
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (SC)

I have been corresponding back and forth with ACS/XXXX  and now Conduent for the past year regarding the late payments they are reporting on my account with the credit reporting agencies ( XXXX, XXXX and XXXX XXXX ). 

Conduent is reporting two 60 day late payments on two separate accounts! Not 30 days, but 60! I have asked for explanation and proof that these payments were billed as payments due and not received. I am not accustomed to NOT payment my bills. They responded by providing the attached statements for both accounts. Neither of the statements show when a payment was actually due or the amount that is due. They do show when I made payments and how much was accepted and posted to interest. It also has a column for Late Charge paid, but no amount is ever listed in that column, even when payments were made. 

My argument is that the accounts have been in forbearance for pretty much the life of the loans, so any payments that I have made has been only when interest payments are arranged, which I get emails when payments are due and I pay them, as you will also see on the statements. There is no indication on the statements that payments were due in XX/XX/XXXX or XX/XX/XXXX. You will also see attached, a statement from ACS notifying me that both loans was back in forbearance beginning on XX/XX/XXXX. When I submitted this to Conduent, they said that the payments were already scheduled forXX/XX/XXXX ( ahead? ), but I never received any notification of payment due in XX/XX/XXXX.

There are also other dates listed on the statements where there was no payments received that they have NOT reported late. Therefore, how does this prove that the late payments they are reporting are accurate? 

I am asking that the CFPB review the attached documents provided by Conduent and myself and help me to determine whether they have legitimate reason to report the late payments at all. Let alone 60 DAYS late! Come on!
Consumer complaint received 2019-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

My loan just got transferred from XXXX to Loancare. My previous mortgage payment was {$1200.00} with {$22000.00} remaining on the balance and maturation date around XX/XX/XXXX. I just saw on the new Loancare statement that the maturation date is now XX/XX/XXXX with a monthly mortgage of {$1100.00}. Loancare never sent me a document for a new loan and secretly slapped 15 years of loan without notifying me or my agreement. There is a BIG discrepancy of the statement and the actual amortization schedule to XX/XX/XXXX. The statement said the new monthly payment of {$1100.00} due in XX/XX/XXXX includes principal payment of {$870.00} and interest of {$100.00} but the amortization schedule says for maturation date of XX/XX/XXXX, the payment for XX/XX/XXXX includes interest of {$100.00} but principle payment of only {$74.00}. Where does the rest of {$790.00} go if not to my principle??? The new loan I would not want to extend my loan whatsoever, especially with such a shady company like Loancare. If using the new loan amount and the new maturation date, the total amount Loancare wants me to pay is 10 times of the remaining balance!! I am totally disgusted by Loancare!!
Consumer complaint received 2019-07-20
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: Experian Information Solutions Inc. (CO)

What : Charge- off Alert Date XX/XX/XXXX Source EXPERIAN Company XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , FL XXXX Phone XXXX Activity Auto Loan Balance Date XX/XX/XXXX This company has reported a charge off when they were included in a BKXXXX that was discharged XX/XX/XXXX. Contacted credit Beauru Experian to investigate and during that time this company contacted me to extort money for me to pay for delete on XX/XX/XXXX. Experian came back on XX/XX/XXXX to state the company verified this was my account. It is illegal to report a charge off when the account was already included and discharged way back in XXXX. In fact, the even deleted the account when it was going through the bkXXXX proceedings.
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

OnXX/XX/18 I was alerted that I received a hard inquiry on my credit report. I didnt sign up or approve anyone to check my credit report on XX/XX/18 but I got a hard inquiry. I called TransUnion to inform them that their is a duplicate hard inquiry in my report. I informed TransUnion that it wasnt me on XX/XX/18, I  asked TransUnion to remove the duplicate inquiry because its against FCRA guidelines to display inaccurate or false information about me. TransUnion denied me the right to dispute the inaccurate information. TransUnion asked for me to get a letter from the bank and the bank doesnt give out letters like the one TransUnion asked for. This is an error on TransUnions part and they refuse to fix it.
Consumer complaint received 2019-08-30
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. (LA)

Im a 100 % 22 years XXXX military and my student loans have been paid in full and they have me with 18 plus late payments and inaccurate information when I never was late because the military always paid my stuff and now Im out the military I can not get my proof I need. I last contacted them on XX/XX/2019
Consumer complaint received 2023-04-01
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX  Account XXXX  XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX  Account H XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX, has violated my rights. 
XXXX Account 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 2019-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (NY)

Problem with KeyBank, On Friday XX/XX/19 around XXXX, I attempted to make a cash deposit of {$140.00} ( 2- {$50.00}. bills and 2- {$20.00} bills ) at the KeyBank ATM , located in the XXXX XXXX parking lot on XXXX XXXX. and XXXX XXXX, XXXX New York. The ATM took my card and my money. Then it displayed a message " verifying your transaction '', then " self test. '' then " out of service. '' After some time my card was returned but not my cash. 
I called the 800 number posted on the ATM for help the representative took the information and filed a dispute claim. I also spoke to the Bank manager inside the store. He said that I would need to wait until the machine is serviced and if there is an overage I would be issued a credit for the funds. He was not sure when the machine would be serviced or when I would receive the funds. He advised that if I had used the ATM in the store they might have been able to do more. He stated it could take up to 10 days. He took my number and promised to call me before the end of the day. I did not hear from him.
Consumer complaint received 2019-07-20
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. (MD)

I don't recognize the following inquiry XXXX XXXX XXXX Inquiry from XX/XX/2017. Please investigate the following to ensure there is no fraudulent activity.