davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

BANK OF AMERICA THE MASTER SERVICER HAS DIVISED A SCHEME WITH  XXXX    XXXX   XXXX    AND IS DISCRIMINATING AGAINST US BECAUSE WE FILED BANKRUPTCY AND VIOLATING BANKRUPTCY LAWS BY PROVIDING US WITH FRAUDULENT DOCUMENTS  XXXX   XXXX   XXXX  and Bank of America Mortgage Servicer the Master Servicer HAS VIOLATED SEVERAL BANKRUPTCY LAWS AS WELL AS federal and state laws when providing responses to multiple complaints filed through the Consumer Financial Protection Bureau.  XXXX   XXXX   XXXX  and its employees and Bank of Ameri ca Master Servicer  and its employees provided multiple fraudulent documents including a fraudulent deed with wrong dates. In providing these fraudulent fake documents as authentic  XXXX   XXXX   XXXX   XXXX  and Bank of America  Master Servicer  has violated federal and state laws. In providing these multiple fraudulent fake documents in attempt to deceive  XXXX   XXXX   XXXX  has also failed to truthfully respond to several Qualified Written Request made by us through the Consumer Financial Protection Bureau.
Consumer complaint received 2021-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a customer dispute 60 days ago and have not received a response... I need immediate resolution as this situation is causing an enormous amount of stress on me and my family. I'm completely upset at the lack of response to my customer dispute. Please help in having the credit reporting agencies complete my investigation and provide me with an update. The issues are causing a ton of problems and I need answers. Thank you.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Open an account at Chase Bank deposited XXXX  checks XXXX  written directly to me other XXXX  written and payable to my minor children same address as me. Chase closed the account sending me a cashier check for checks payable to me, this wasXX/XX/XXXX Cashier Check # XXXX : as of todays date I've yet to get the money from the other checks deposited was told to bring in my children birth certificate and social security cards my kids don't have an account with Chase when ask to just return the checks I've was inform they had already cleared and I would get the funds in mail. Nothing as of todays date, which isXX/XX/XXXX went into branch and was told to look for it in mail.
Consumer complaint received 2021-11-18
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: EQUIFAX, INC. (TX)

I sent a customer dispute 60 days ago and have not received a response... I need immediate resolution as this situation is causing an enormous amount of stress on me and my family. I'm completely upset at the lack of response to my customer dispute. Please help in having the credit reporting agencies complete my investigation and provide me with an update. The issues are causing a ton of problems and I need answers. Thank you.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2021-11-18
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9400.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$510.00}
Consumer complaint received 2016-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (MI)

In 2000 I cosigned a loan and the borrower has not paid the latest installment. I wish to pay off this loan but Wells Fargo Education Financial Services is giving me a difficult time about paying off this loan.
Consumer complaint received 2022-10-12
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$25000.00} Medical XXXX Balance : {$120.00} If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

on XXXX i submitted through register mail my FTC Identity Theft report along with a cover letter, 609 B letter, copy of my driver licensee explain that the hard inquires and XXXX closed and open accounts were not mine. i mentioned that i was a victim of identity theft and they just keep ignoring my disputes and documents. i called all 3 credit agencies and they mentioned that they did not received it. i have the copies of the registration mail and i tracked it where i know they received the complete package for these disputes. 

please i was reading that you guys the CFPB can help me and hopefully all 3 bureaus can finally get these fraudulent accounts deleted on XXXX i submitted online the same information and uploaded all the same documents. they said they never received it please i need some help ASAP i'm closing on my home
Consumer complaint received 2018-07-07
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: FORD MOTOR CREDIT CO. (CA)

FORD MOTOR CREDIT, ACCT NO. XXXX IS A COLLATERALIZED AUTO LOAN ACCOUNT APPEARING ON XXXX.FORD CREDIT IS THE LENDER AND ALSO FORD MOTORS IS THE MANUFACTURER OF THE COLLATERAL. 
I HAVE NOT PAID THIS LOAN FOR TWO YEARS.I WOULD LIKE FOR FORD TO REPOSSESS THEIR COLLATERAL, PER THEIR SALES CONTRACT OR I WILL RETURN IT VOLUNTARILY. 
HOWEVER FORD KNOWS WHAT I KNOW, THAT THE CAR HAS NO VALUE BECAUSE OF DEFECTIVE MANUFACTURING.NEVER SINCE XXXX XXXX WROTE '' UNSAFE AT ANY SPEED '' HAS THERE BEEN SUCH A LEMON AS THIS CAR WHICH WAS " XXXX IN XXXX '' .FORD USED TO BE A RESPONSIBLE COMPANY.NO LONGER DO THEY HONOR THEIR CONTRACT OR THE IMPLIED WARRANTY LAWS OF CALIFORNIA.WE HAVE THE CAR INTACT UNDAMAGED FROM USE SITTING ON OUR PROPERTY.THE CAR HAS ALWAYS BEEN UNSAFE SINCE MANUFACTURE.

FORD HAS 2 YEARS LEFT ON THE STATUTE OF LIMITATIONS TO SUE ME FOR NON-PAYMENT.I WELCOME IT. 
FOR FORDS REFUSAL TO HONOR THEIR LOAN CONTRACT I WANT THIS LOAN REMOVED FROM MY CREDIT REPORT FOR THEIR FRAUD ( SELLING AND FINANCING JUNK UNSAFE VEHICLES TO THE UNKNOWING PUBLIC. 
I WOULD LIKE XXXX TO DELETE THIS ACCOUNT FOR LENDER FRAUD, FOR FINANCING AND SECURITIZING A PRODUCT THAT IS VALUELESS.WE WILL NEVER OWN THE CAR, NEVER BE ABLE TO SELL IT, FORD DOES NOT WANT IT EITHER BUT THEY WANT TO RIP ME OFF, RUIN MY CREDIT INDEFINITELY AND NEVER SOLVE THEIR PROBLEM.FORD WANTS TO EXTORT ME USING THE XXXX CREDIT REPORT AS LEVERAGE AND THAT IS ALL THEY WANT TO DO.

I WOULD LIKE XXXX TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY FILE NOW AND LET FORD NO LONGER EXTORT AND I AM HAPPY TO RESPOND IN COURT.
Consumer complaint received 2024-05-27
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

So on the XXXX of XX/XX/XXXX, I went to XXXX Toyota ( XXXX California ) to get my current car serviced, while there, I was approached by a salesman who showed me the new XXXX XXXX and wanted me to test drive it, so I did! Afterwords we went in to view numbers, the only thing I was told, was they were going to do a soft pull on my credit to give me small estimates, they did that, which I was okay with, they never once mentioned a hard pull or me signing up for a credit card, i consistently made it clear that I wasnt wanting to make a deal that day, he kept pushing, he wanted me to try to come up with a down payment and kept bringing up the Toyota Credit card and I kept telling him I didnt want to put anything on my current credit card or get one! He kept pushing until I told him I had to leave and would maybe be back, today I received a credit card for the amount he has wanted to get me set up with! This is hurting my credit right before I make a big move across the country! I need to buy a house soon!
Consumer complaint received 2021-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/XXXX, I submitted to USAA an additional principal payment be made on my mortgage on XX/XX/XXXX. On XX/XX/XXXX, they incorrectly applied a part of these funds to interest instead of the full amount to my mortgage 's principal, which has also happened several times during XXXX. I filed a XXXX  complaint then and was told that the issue had been resolved, but it apparently has not. When talking with the representative, he stated that neither XXXX nor USAA had the ability to escalate this issue nor open a ticket to keep me informed of fixing their system to correct this in the future. As USAA continues to steal money ( via charging me extra interest ) from me ( and likely thousands of others as well ), I would like to be paid for my time of having to monitor my payment activity monthly as USAA is incapable of doing their jobs correctly as well as for my time having to call in and have the charges reversed.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-18
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. (TX)

I am a victim of Identity Theft and I have attempted to have fraudulent information disputed with XXXX, Equifax, and XXXX from my credit reports. I have a repossession on my credit with XXXX XXXX XXXX. I have never owned a vehicle with this company. I currently have an FTC Affidavit as well as police report validating my identity theft claim and even still these creditors have not removed this fraudulent account. 

According to The Fair Credit Reporting Act, section 605B requires consumer reporting agencies to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent in that information. 

At this time the FCRA law is being broken and I need further assistance with my fraud dispute claim. I have been contacting the bureaus since XXXX of this year and received no assistance nor have they ever provided proof or validation of this debt.
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

Bayview Loan Servicing has violated several federal and state laws when providing responses to multiple complaints and Qualified Written Request filed through the Consumer Financial Protection Bureau. Bayview Loan Servicing and its employees provided multiple fraudulent documents including a fraudulent deed with wrong dates. In providing these fraudulent fake documents as authentic Bayview Loan Servicing llc has violated federal and state laws. In providing these multiple fraudulent fake documents in attempt to deceive Bayview Loan Servicing ha s also failed to truthfully respond to several Qualified Written Request made by us through the Consumer Financial Protection Bureau.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX  my wallet was stolen. I contacted the credit card companies and informed them of the thief. I asked for my account to be frozen and to not allow transactions. Most of the card companies complied and where very helpful, however for what ever reason a couple of the cards allowed transactions and placed me in debt. I tried to work with them and bent over backwards trying to keep the accounts paid until they could fix my account. I asked for a fraud investigation on the transactions and nothing was done. I was forced to work with a Debt Consolidation Company to try ad salvage my credit. The accounts discussed have been paid as agreed. XXXX XXXX  has kept an amount on my credit which has been paid through consolidation even though they caused the balance by not freezing my account when my property was stolen. 

They received and agreed amount and with this they agreed to report paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. 

XXXX XXXX shows the account as paid, however they should be reporting paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. XXXX XXXX let several transactions through before they froze the card as well. 

Capital One corrected the account however the reporting is incorrect. They need to update the account to paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance paid as agreed. They are still in the process of trying to give me back the settlement amount paid as it was due to thief.
Consumer complaint received 2019-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2019 and XX/XX/2019 our business account held at XXXX XXXX was debited for {$180.00} and {$200.00} through an ACH transaction. Unfortunately we did not report the unauthorized transaction within the XXXX hours required by ACH for dispute so the money was gone from our account. The money was transferred to an account held at Capital One. We were unable to get any additional information from Capital One because of privacy regulations. We are planning to report the issue to : aw Enforcement.
Consumer complaint received 2021-11-18
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. (TX)

I am a victim of Identity Theft and I have attempted to have fraudulent information disputed with XXXX, XXXX, and Transunion from my credit reports. I have a repossession on my credit with XXXX XXXX XXXX. I have never owned a vehicle with this company. I currently have an FTC Affidavit as well as police report validating my identity theft claim and even still these creditors have not removed this fraudulent account. 

According to The Fair Credit Reporting Act, section 605B requires consumer reporting agencies to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent in that information.

At this time the FCRA law is being broken and I need further assistance with my fraud dispute claim. I have been contacting the bureaus since XXXX of this year and received no assistance nor have they ever provided proof or validation of this debt.
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MA)

On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX. XXXX published potentially negative major derogatory information on my credit report. 
In XX/XX/XXXX I contacted them and requested a copy of the complete original agreement I completed in my own handwriting at the time of purchase. This information would include, my name, ADDRESS, telephone number, social security number. 
They responded by sending me a computer generated pricing addendum, credit card agreement and statements all with an ADDRESS that I had not lived at for five years. 
I NEVER RECEIVED THEIR BILLING. 
I called them repeatedly and rewquested what I am requesting now and even spoke to them on the telephone several times and they refused my request. 
I even told them several times that I had sold that house in XX/XX/XXXX and that the county Resgistrar of Deeds can verify that fact. 
I also stated that I had been using my Post Office Box for my address since XX/XX/XXXX. 
Can you please assist me in obtaining the original handwritten document I completed at the time of my purchase in XX/XX/XXXX. Thank you for your time and courtesy.
Consumer complaint received 2021-08-24
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-11-18
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. (OK)

I made a dispute about the XXXXXXXX XXXX account showing up on my credit it report and i told them this is unfair and unjust that they are make a report on my credit and I wanted it removed Immediately. They still have not removed it from my credit and are still report it as a charge off. i am trying to better my life and raise my credit score so i can buy a new home and this is hurting me can you please help
Consumer complaint received 2021-11-18
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO. (MI)

Today the car was repossessed and Ford credit is not giving the opportunity to pay the passed due amount to reinstate the lease I made a payment of XXXX on XX/XX/XXXX the payment each month is XXXX, because of it being less than what 2 months is totaling they said they dont accept partial payment s, this is news to me. They didnt credit or refund the money then? They are refusing to work with me during this difficult time. I would appreciate any help to reinstate the lease. Thank you
Consumer complaint received 2017-06-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA (MD)

My student loans were transferred to a new service provider in the beginning of  XXXX . My original provider was Mohela. My loan was transferred to  XXXX . I made my regular payment at the end of  XXXX  and it was withdrawn from my checking account on  XXXX   XXXX .  XXXX  ha s no record of this payment and now I am being shown as being 30 days delinquent on my loan. I contacted Mohela- initially they were able to find my payment and they indicated that it would be sent over to the new provider. I called back a week later, they noted they cant find my payment at all. They asked for me to send proof of payment. I sent the proof from my checking account statement. A week later, still no   response or transfer of my payment. I am now being told that  it will take 60-90 days for my payment to be transferred.