davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

XXXX XXXX XXXX. XXXX XX/XX/XXXX-XX/XX/XXXX when taken over by FDIC. Over appraised home by {$95000.00} using a second appraisal when first came in much, much lower. At closing never paid all funds. Went out of business before addressing fully. Sent 3 people to my home on XX/XX/XXXX to harass me banging on windows and doors frightening my children and arousing neighbors. Filed foreclosure proceedings that were dismissed for failure to prosecute XXXX XXXX XXXX.XX/XX/XXXX-XX/XX/XXXX Claimed ownership of Note and mortgage through FDIC. Rejected 10 loan modifications from XX/XX/XXXX-XX/XX/XXXX. Filed two foreclosure complaints, second was picked up by XXXX XXXX XXXX XXXX who bought mortgage during litigation from XXXX.both dismissed. 

Bayview Loan Servicing LLC.XX/XX/XXXX-XX/XX/XXXX Have no original Note, was not in possession of it at time it filed foreclosure summons. Still awarded Summary Judgement even though they admitted that their affidavit was wrong, and found a missing {$7600.00} 1 year into foreclosure proceedings, proving at was not even in default when lis-pendens filed. Judge is a close family friend of my ex wife and should have recused himselfas he did in two other cases involving us. Appeal being filed
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

An According with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX, XXXX XXXX account # XXXX date opened XX/XX/XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the Rights 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 2015-06-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (IL)

I have been having serious problems receiving annual credit report from Experian Credit Agency, XXXX XXXX, XXXX, Texas XXXX through the United States Postal Service. I applied for my credit report numerous times by telephone. I absolutely requested for Experian not to send my file over the internet due to identity theft issues as well as my computer being hacked. I would like to have my Experian Credit File sent immediately by mail only. Due to inaccuracies on my reports. Most importantly due to Experian deleting a good standing trade line that was not due for deletion. The trade line was with XXXX XXXX XXXX XXXX account number XXXX on XXXX XXXX, XXXX the good standing trade line was deleted without a dispute from the consumer through a portal administered by XXXX. The good standing trade line was not due to deletion until XXXX XXXX. This is against my fair credit rights and needs to be thoroughly investigated. I have never been married or jointed my credit file with a spouse.
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I was out on XXXX XXXX  from XX/XX/2019 through XX/XX/2019. I had been speaking with different reps at USAA bank in regards to my credit card account and ways that I could keep it open being that I was out of work. On XX/XX/2019 I spoke with a rep in their member debt solutions department who assured me that the account was still open and that I needed to make a minimum payment of {$26.00} in order to give me more time to keep the account open. Per this member the account would be closed after 6months of no payments. I made that payment of {$26.00} that day along with another payment of {$75.00} a week later. Fast forward to XX/XX/XXXX. I call USAA to verify why I didnt have an available balance on my credit card, I just made a payment on XX/XX/XXXX in the amount of {$200.00}. The rep advised that the account was closed! There was no knowledge to me that the account was closed. No one that I had spoken to between XXXX and XXXX had mentioned the account was closed and they called me everyday. I asked could they pull the call from the rep who advised that the account was still open as of XX/XX/XXXX and they said someone would call me back and never did. I called again on XX/XX/XXXX and was told that there is nothing they can do when the account has been closed. The rep suggested I reapply but my credit has been negatively affected by this for months so there is no way that I would get approved.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge Off : XXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX  XXXX {$5000.00} Collection : XXXX XXXX {$0.00}
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

In XX/XX/XXXX I began the process to refinance my home with my existing lender, NewRez. It is now mid XX/XX/XXXX and the process is still pending. I continually check in with them and when they do respond I am told to look at their customer portal on their customer application or am told that they are waiting for documents that I was never made aware of. The customer portal on their app is no help as it is full of inaccuracies such as the estimated closing date being XXXX/XXXX/XXXX. I have made it a point to provide them with requested documents within 24hours of me learning about it but it seems the longer they take the more they need updated documents like paystubs and bank statements.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-11-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TRUIST FINANCIAL CORPORATION (PA)

Before bankruptcyXXXX amount owed was {$18000.00}. Car was totaled XX/XX/2019 I received offer letter over {$14000.00}. In bankruptcy money was transferred from bankruptcy lawyer to Regional Acceptance which balance down to around {$4700.00} or less. They report over {$11000.00}. They are not allowed to change, add, delete pertinent information from my file to get more money than what is owed. Please delete
Consumer complaint received 2019-08-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

Collectors keep calling me even after I offered an amount of {$200.00} to settle my debt since they bought the debt for pennies on the dollar. They refused and continue to harass me during my working hours disrupting my work day. It is a constant harassment.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-16
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. (FL)

This account was placed on my credit report and is damaging my credit worthiness. This is a fraudulent account and should not be on my credit report. This account is a medical bill and should not appear on my credit report according to the FCRA. This account is quest diagnostics and cost {$56.00}. The account appeared on my report XXXX of this year.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WA)

this company is reporting as a charge off and attempting to collect a debt even after providing proof of a chapter 7 discharge and a letter from my attorney. 

all three credit bearus have been notified and have not updated their records.
Consumer complaint received 2023-09-19
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. (IL)

This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On Thursday, XX/XX/2021, I attempted to close my bank account with USAA. They wouldn't allow me to close it and told me to call back at a later date. 

While waiting, USAA charged me a {$29.00} overdraft fee even though no money was overdrafted. This fee is on top of many other fees they had charged earlier in the month, the total coming out to nearly {$200.00}. 

Not only is this predatory, I believe their lack of care for resolving this issue comes from the fact that just a few months ago they paid out over {$1000.00} to me but only after having filed a previous complaint that they were overcharging me on insurance by double due to their mistake when setting up my insurance with them to begin with.
Consumer complaint received 2019-10-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

they keep charging overdraft fees on top of more fees the first charge was an bank error twice in one week is a bit much they barely give u a day to pay it back ( e.g. letting a check clear of other money services ) they post charges when they want to catch you in fees I want to pay the bank the {$18.00} I owe them they charge fees on top of fees its a cat and mouse game with a finical institute
Consumer complaint received 2021-11-16
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: Exeter Finance, LLC. (OH)

This company is using my information without my consent and still can not provide proof that I allowed permission for information to be used with my credit report.According to 1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information. it states Each furnisher must review its policies and procedures required by this section periodically and update them as necessary to ensure their continued effectiveness. And as shown no updated credit report has been place I demand these inquiries be removed from my credit report. 


According to 15 U.S. Code 1681a - Definitions ; rules of construction - any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title there for this is illegal
Consumer complaint received 2017-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (NC)

XXXX   XXXX ,    2017 I received an alert this morning from  XXXX  and  XXXX  that my complaints against American Credit Acceptance had been resolved yet it has not. American Credit Acceptance is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting my credit score a violations of the FCRA. American Credit Acceptance reported that I have balance of {$26000.00}. My balance on the attached statement clearly shows a balance of {$26000.00}, the information on my credit report is false information causing my balance to increase and my credit score to b e impacted.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TN)

On XXXX XXXX I opened an account with Truist bank in XXXX Tennessee. I told the banker what had happened at another bank ( XXXX XXXX Pryor to opening this account he pulled it all up said there shouldnt be a problem since no money was taken from the check I had taken in good faith for finding a house for a man I had been helping look for a home in my area since XX/XX/2022. I had no idea it wasnt going to clear but after XXXX ran it three times I finally told them to just stop running it they froze my account and closed the account and informed me I needed to find another bank to deal with. Now Truist has taken my payroll check for XXXX and {$100.00} cash and is holding it. I live pay check to pay check due to bills Ive not ever deposited a bad check nor did I think I was this time. He wanted to put XXXX as a down payment and he was loaning me XXXX to pay off bills plus XXXX for helping him find his house. He had sent money through XXXX for gas and such so I just assumed his check was good too. Now Truist has frozen my account is demanding proof that my pay roll check was for me and a letter from the place my company gets to do our checks and it has to be notarized XXXX sent a message with a phone number and all but I was sent an email saying my pay stub was denied and the letter wasnt acceptable. I just want my money. I have a commercial license which is considered a federal license. I didnt know the check at XXXX was bad if I had I would have not ever deposited it in my account. Now Truist is using what happened at XXXX against me. XXXX didnt lose any money I didnt ever pull any of it my thought was allow it to process and when it clears handle the business but it seems that me trying to get a head in life by working for an individual back fired and ruined my name and worth. I can see if I had pulled money off the check but I didnt even try and it was I who made the bank stop running it. So, Please someone help me if I was such a bad human why would I be spilling my guts out to total strangers plus I didnt celebrate XXXX due to this and what there holding is my truck note which Im going to have to let go back because its now over 30 days. I just want what Ive worked for is all and my life back and my slate cleaned up because the bank didnt ever lose one shiny penny on that bad check.
Consumer complaint received 2017-06-03
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. (NC)

XXXX   XXXX ,  2017  I received an alert this morning from TransUnion and  XXXX  that my complaints against  XXXX   XXXX  had been resolved yet it has not.      XXXX   XXXX  is reporting a higher Balance than I owe and updated the credit unions with the false information thus impacting my  credit score a v iolations of the FCRA.      XXXX   XXXX   XXXX  reported that I have balance of {$19000.00} when I called and have attached a copy of my statement that shows a balance of {$18000.00} the pay off would be only around {$18000.00}. This false information caused by balance to increase on m y credit score w as impacted.
Consumer complaint received 2021-11-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NY)

Santander is attempting to collect an alleged {$16000.00} deficiency balance I am not obligated to pay. I disputed the legal validity of the alleged {$16000.00} deficiency balance, requested verification of the alleged debt, including the name and address of the original creditor. 

They have not provided me with the required notices before disposition of collateral, and explanation of calculation of deficiency as required under the law. 

As per the law I requested that they cease and desist all collection activity including all credit reporting. 

I promptly request deletion of all and any credit reporting to the credit reporting agencies and to write or email once to confirm their compliance with my demand within 14 days. 

They responded within the allotted time, however they failed to provide me with the following documents that I have requested : 1. Verification of the alleged debt ( i.e., name and address of the original creditor and a copy of any signed contract or agreement with the original creditor. 2. Proof that they cease collection and deleted credit reporting of the deficiency. 

They have now sent ( a ) notice of disposition of collateral and ( b ) explanation of deficiency, however I told them I need proof like a Usps tracking # or an affidavit of mailing by the representative who sent it when it was suppose to send.