davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-03
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: Experian Information Solutions Inc. (TX)

I have a loan account that was shows closed on my credit report, and this was happened from the company side as the sold the loan to a different company and since the loan shows closed and this impacts my credit score and i have to deal with lower credit score and closed accounts that make my credit report look unappealing. I have my wife and my son also on the loan account which means they also have the closed account showing on their reports as well, all i want is that closed account taken off our credit reports. 

Closed account name : - XXXX XXXX XXXX XXXX All i want is this closed account taken off our reports as this change in loan company wasn't our fault.
Consumer complaint received 2022-09-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (OH)

XX/XX/XXXX to current there is a lot going on to summarize I am being forced into foreclosure no fault of my own. I have lost my loan to purchase a home because of this mortgage that is not in my name yet. It has been sold 4 times from XXXX XXXX XXXX XXXX XXXXand now RightPath servicing XXXX I have provided all documentation and everything asked previous companies dont give the files so I have to start back at 1 every time. Now I have been providing files since XX/XX/XXXX via email and my app uploads and the files are denied then I turn in the same files numerous time then it accepted half the time they wont speak to me and wont accept any payments my credit history is not being acknowledged I am forced to their terms they wont accept cash offers of {$30000.00} or borrow assistance money. Then they call me saying yes we have all we need but I am still in the first stage of modification which was my only option they wouldnt allow me to refinance in my name and start fresh forced to their terms. When I tried to sell the home and move on it was selling for less because its not worth XXXX and I was told I owe the rest. I am going broke fixing things that they wont cover under the home insurance but I still owe the back mortgage of {$10000.00} that I cant make payments on. My realtor told me last Wednesday when I showed her the house and whats going on that whats happening is illegal I just need help to stop stress I told them Im not give the same files that you already have again if the process cant move forward I have to take legal action. Then I was called again to turn in the same files I refused. They also make calls to non owner speaking about my house so they called me on 3way asked them to not call their phone about her house just call her. I had XXXX in my savings and have put XXXX into this house that is about to be taken from me for no legal reason I have purchased and sold a house faster then whats going I have gave it all the time I could I just want to be treated fairly but this is discriminatory and I never use that term but is obvious. Help me move forward please
Consumer complaint received 2019-09-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STATE EMPLOYEES CREDIT UNION (FL)

SECU in XXXX, NC has an employee named XXXX XXXX that stepped out of line with regards to my deceased father 's estate. She crossed the line of doing her job professionally into sticking her nose into two families ' businesses that has cost ALL of us a great deal of money. This is a complaint against both XXXX AND SECU for not handling what should have been a simple situation properly and for causing a tremendous amount of legal issues/cost that followed ( and is still going on ) because of XXXX 'XXXX  inappropriate behavior. A complaint is also being filed through XXXX.
Consumer complaint received 2023-07-06
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. (CA)

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 U.S.C 1681. ACCOUNT Name : 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 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 an 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 2019-01-29
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Real Time Group, Inc. (MD)

XXXX : My significant other and I purchased a home in XXXX and were never married. Because I have a XXXX  XXXX my significant other handled the house-hold finances up until I learned that she and later my adult daughter was taking advantage of my vulnerability. In XXXX our home went into foreclosed proceedings for the 4th time and I got the funds from my sister for the second time to bring the mortgage current. I made my sister power of attorney and sought legal actions which resulted in both being removed from the home. 
XXXX : While cleaning out a closet I once shared with my significant other I found an old document from a company called Real Time Resolutions in regards to a an outstanding loan balance demanding money for a loan that I have no knowledge of. 
XXXX XXXX XXXX XXXX is the company who serviced my mortgage in XXXX until it was sold to XXXX XXXX XXXX XXXX in XXXX whereas my mortgage is in good standings. 
My sister called Real Time Resolutions to find out who they are and to get information about the found document. She was told that it was a loan signed by me and my significant other for {$46000.00} and that if I did not make the back payments and bring current ( approximately {$25000.00} ) that they will put a lien on my property. My sister asked them to explain why they have not bothered me before and why wait until so many years to passed by. According to the date on the document I found it has been over 10 years. My sister went on to explained how my significant other and adult daughter forged documents to seek financial gains and that she will need to see a copy of the signed loan documents. She went on further and requested them to mail her copies of all documents containing signatures, modifications, loan transfers, loan notices and all future correspondence regarding this account to her address but was not successful. 
XXXX : On XX/XX/XXXX my sister sent another request only this time in writing for the above information to be mailed to her within 15 days, Real Time sent her a response dated XX/XX/XXXX ( 1 month and 12 days later requesting more time to gather the requested documents. Sister did not receive the requested documents from Real Time Resolutions but instead received a letter dated XX/XX/XXXX stating that on XX/XX/XXXX the loan was sold to XXXX XXXX XXXX XXXX XXXX but I should make the payment to Real Time Resolutions. My sister and I are concern that Real Time Resolution dragged their tail on getting her the proof because they have no proof and did not honor her request and in a timely manner. We also wanted to know why after so many years you are harassing me and threatening a lien or foreclose on my property
Consumer complaint received 2018-05-23
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. (OR)

Company stating that they wrote {$640.00} off of the loan. This is untrue as I paid the entire amount in full. I have disputed this twice and XXXX XXXX XXXX XXXX has refused to update with the correct information.
Consumer complaint received 2022-09-01
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States XXXX if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-01
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: M&T BANK CORPORATION (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX  credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : M & T BANK XXXX Open Date XX/XX/2013 Balance : {$0.00}
Consumer complaint received 2022-09-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION (FL)

Back in XX/XX/XXXX, there were two charges to my credit card. One for {$770.00} and the other for {$410.00}. As soon as I saw the charges from XXXX, I contacted BBVA and a dispute was open. I was advised this is clearly fraud as Ive not been charging anything to the card. I was told to wait until XX/XX/XXXX as they have 90 days going back to XXXX to resolve it. Its now XX/XX/XXXX and the charges have not been removed. I have a Dispute ticket number, if needed. This is unacceptable. I work for a major company and fraud cases are resolved within days.
Consumer complaint received 2019-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (CT)

XX/XX/2019 at approximately XXXX XXXX this morning I attempted to take out {$300.00} at a Keybank ATM machine @ XXXX XXXX XXXX, XXXX XXXX, CT XXXX. The ATM machine was out of funds and was unable to process the transaction but on my bank account record the funds were still taken out of my account even though 1 ) I never got the {$300.00}, 2 ) a receipt of the transaction after the ATM machine spit out my ATM/Debit Card. I have to wait 10 days for the ATM company to investigate to get the funds back. This caused me to be late for work because I had to sit with XXXX and do an claim into their system to dispute the transaction.
Consumer complaint received 2023-01-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I live in XXXX, Florida. I took a 2016 HELOC from Wells on my residence. I drew down approximately {$68000.00}, with {$50000.00} approximate placed in one account, and {$18000.00} in a second account. Wells was taking {$420.00} each month from the smaller account. When that account was depleted, Wells did not draw on the larger account. Wells filed to foreclose on my home for the total draw amount. When I asked for information on the larger account, Wells would only advise that the account had been closed, with no other information available. Based on what little Wells has provided, I believe the amount diverted/retained/stolen to be {$48000.00} approx. There are additional amounts due, such as overcharging interest, but I can not calculate that without further records. I have filed a Counterclaim in the Wells foreclosure lawsuit against me, seeking additional damages.
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (CA)

n accordance with the Fair Credit Reporting act XXXX. Accounts : 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 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In spite of opting OUT of ALL credit offers every year for the last many years, Capital One illegally continues to send me credit card offers, usually more than once per month! They are the only company that ignores the law. I have contacted them in writing. I have opted out via XXXX MANY times. CapitalOne does NOT comply.
Consumer complaint received 2015-09-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Due to internal system errors, Wells Fargo Mortgage Corporation has been wrongfully reported delinquencies on my mortgage account for the last XXXX months, even though our mortgage payments are paid automatically from our XXXX bank account for the last XXXX years, and we have never been late with our mortgage payments. We 've been contacting Wells Fargo 's customer service and they keep delaying the correction process because of their investigations of their internal issue. My credit report was perfect before this Wells Fargo 's errors, but the current bad credit reports resulting from this error has been preventing me from financing a new home or renting a house.
Consumer complaint received 2020-09-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Location Services Holdings, LLC (SC)

MY VEHICLE WAS REPOSESSED ON XX/XX/XXXX THE REPO COMPANY DID NOT SHOW ME ANYTHING as PROOF THE YOUNG GUY STATED THAT HE WAS DOING A " SWEEP '' ON THE CAR AND THAT HE WAS GOING TO TAKE PICTURES OF THE VEHICLE HE ASKED IF I HAVE EVER HAD PICTURES TAKEN OF MY VEHICLE INSIDE AND OUT, I STATED " NO '' HE STATED " LET ME WALK BACK TO MY TRUCK TO " SHOW '' YOU WHAT I HAVE FROM YOUR FINANCE COMPANY AND HE  JUMPED IN THE RED REPOSESSION TRUCK WITH MY XXXX XXXX XXXX ATTACHED AND PULLED OFF. " I WAS BEING FOLLOWED AND TRACKED ILLEGALLY VIA BLUETOOTH DEVICE THAT I HAVE " NEVER '' ACTIVATED ON THE CAR. I WASN'T GIVEN ANY NOTICE THAT A " DEVICE '' WAS PLACED OR GOING TO BE PLACED ON OR INSIDE THE CAR I STILL HADN'T RCVD ANY DOCUMENTATION OF REPOSESSION UNTIL XX/XX/XXXX VIA MY PERSONAL P.O.BOX FROM THE REPO COMPANY, THE DOCUMENT DIDN'T HAVE THE LOCATION LISTED WHERE MY VEHICLE WAS REPOSESSED FROM ON IT, IT JUST HAS XX/XX/XXXX @ XXXX ON IT. I CONTACTED XXXX  XXXX XXXX XXXX  " OFFICE OF THE PRESIDENT '' LOCATED IN XXXX TEXAS XXXX. I SPOKE WITH REPRESENTATIVE STATED THAT THEY DO " NOT '' GIVE THE REPOSESSION COMPANIES ANY PERSONAL MAILING INFORMATION. XXXX XXXX AUTO REP STATED TO ME THAT THE REPO COMPANY WAS " NOT '' SUPPOSED TO DO THAT. THEY DON'T GIVE THEM PERMISSION TO DO THAT.
Consumer complaint received 2023-01-26
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)

15 usc 1681b permissible purposes of consumer reports. Inquiries have to have a permissible purpose. 

I did not authorize XXXX XXXX to do a hard pull on my credit dated XXXX XXXX XXXX
Consumer complaint received 2023-01-26
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: Ability Recovery Services, LLC (TX)

XXXX XXXX XXXX has been on my credit report for years for a debt from XXXX XXXX XXXX, however, I notice that they keep re-aging the open date of the collection accounts causing this to never disappear from my credit report. I called the offices of XXXX XXXX XXXX and they immediately denied any wrongdoing after I advised them that re-aging collection accounts is a highly illegal practice. They agreed to send me any documentation in regard to the liability of the account as well as relevant collection information. The rep advised me that the service date was back in XXXX, but none of the collection account information is listed that far back, it's all new information from a few months ago and this information is inaccurate.
Consumer complaint received 2022-09-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi! It's me again XXXX XXXX XXXX, I am making a follow-up with the letter I sent you over a month ago, XX/XX/2022 to be exact. I requested for you to send me the method of verification used in determining the accuracy of my credit report and you haven't sent me anything yet. I have advised by a legal expert that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue you delaying my request. This is of great importance and I trust that you will not delay any longer.
Consumer complaint received 2018-04-15
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 (NY)

I am a victim of identity theft. My apartment was broken into and several of my identity documents were stolen which resulted in the take over of my Bank of America checking account. I filed a police report which has been attached. Bank of America risk department froze my checking account and closed it. I was told by numerous Bank of America employees over the phone and in writing that no negative information would be reported to any credit reporting agency for any of my accounts. I have now found that Bank of America has reported the hacked accounts to XXXX and XXXX XXXX XXXX. Since these accounts were taken over as a result of identity theft I would like the account reporting to be updated.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SD)

USAA closed my account in 2020 end of XXXX At the time of account closure done by USAA due to fraud happened to me, check with {$2000.00} and some changes is supposed to be mailed to my address on file. {$2000.00} includes military XXXX and social security XXXX. However, only {$43.00} check was received from USAA in early XXXX. I contacted thru phone in XXXX, but the response was unsatisfactory and stated that {$43.00} is all I would get.
Consumer complaint received 2018-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have previously submitted a complaint about this company and this situation. The complaint number is # XXXX. I am re-issuing my complaint based on new information after further consultation with a Tax Accountant. I believe that Bank of America mis-reported interest paid which has resulted in a tax liability. 

As a result of Bank of America misreporting, the IRS has assessed that we owe money on our XX/XX/XXXX taxes. On further examination of IRS Forms XXXX that Bank of America prepared, I have ascertained that BOA misreported interest paid in 3 consecutive years, XX/XX/XXXX-XX/XX/XXXX, in the following amounts respectively : XXXX, XXXX, and XXXX. 
Additionally, they initially reported interest paid in XX/XX/XXXX, as {$0.00}. There is no mathematical way that we could have paid this much interest when our interest rate at the time was 6.25 % and later reduced to 4.5 % Subsequently, in XX/XX/XXXX they issued a XXXX that listed 'Refund of Overpaid Interest ' in the amount of {$76000.00}. Based on this amount, the IRS has assessed that we underreported income. We never received {$76000.00} from BOA, but believe that because they over-reported interest paid, they tried to reconcile this amount by listing it as overpaid interest. We received no benefit in real money or deductions based on their reporting. We have asked them to explain their accounting and reporting, and all they have done is sent us statements of account without explaining their reporting. I am convinced that they have intentionally or negligently misreported these amounts and are seeking to obfuscate to avoid liability. 

If this situation is in anyway related to refinancing through the HAMP program they likewise have not been able to explain how a program intended to help homeowners avoid foreclosure has created a liability. Their errors have caused us both financial hardship and distress.