davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : XXXX  Account Number : XXXX Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. 

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX
Consumer complaint received 2023-07-22
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selene Holdings LLC (NJ)

INVESTIGATION FRAUD SELENE FINANCE Since XXXX I have been requesting a Relief Financial Hardship Modification on deceased mother 's default loan, that was transferred to Selene by XXXX XXXX XXXX. Selene has created another fraudulent refinance conventional loan modification that I am not eligible for ( XXXX & XXXX ), false bankruptcy, and XXXX pages of inaccurate information on my credit report that I have not authorized nor consented to. My credit is not linked to make a loan, and I am not a co-signer or share title of property. Federal law allows me to assume default mortgage of property of deceased mother 's " XXXX '' debt. As of XXXX XXXX Selene Finance has not altered terms for a financial hardship relief to cure mother 's arrears in default. The goal has not been met to reduce payment of " XXXX '' loan to fit my financial status. As the inheritor I fall under the " Garn-ST Germain Act 'XXXX -Law provides laws to protect me to assume the Original loan. Selene is in violation of FDCPA with sending me and my lawyer a false and misleading loan re-finance modification and loan acceleration letter which contains erroneous and deceptive statements in my name to intimidate to make immediate payments on a fraudulent loan. Selene has made XXXX hard inquiries & XXXX inaccurate information on my credit report causing my credit score to decrease XXXX points. As of XXXX XXXX to present date I have not spoken to anyone at Selene Finance, as ALL communication goes directly through my lawyer.
Consumer complaint received 2021-12-06
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. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$0.00}
Consumer complaint received 2019-08-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Over the 10 years I have had my Bank of America mortgage loan, they have put me through XXXX and back. I have to call 3 times to get 3 different reps to get answers, which results in different answers. Bank of America pushed HOME MODIFICATION process on me since I was having issues with my mortgage due to unforseen medical and being the sole source of income. As I found online for so many other mortgage holders with BOA, BOA told me the paperwork I filled out was either misplaced or not filled out properly. They have been sued over this quite a bit by others. Thousands of homeowners fall prey to this. 

I was told in order to proceed I would need to skip 2 months of mortgage payments, to show I was on hard times. That really scared me. I did miss the 2 months and was told they would be put at the end of my 30 year loan. During the recent incident someone else told me the bank never puts missed payments on the end of any loan! 

I was falling on hard times and reached a point it was hard to afford my mortgage. I was told to skip 2 months payments and that they would be put at the end of my loan. That was about 2 years ago. I have been behind by 2 months only and not late and have made every payment on time for 10 years. 

I received a letter in XX/XX/2019 saying my mortgage was going {$80.00} lower due to PMI finally falling off the account. I have been fighting the PMI issue for at least 3 years. The letter stated it would start XX/XX/2019. I called and a rep verified it would start XX/XX/2019, although the letter stated XX/XX/XXXX. I sent my mortgage payment for {$80.00} lower for my XX/XX/XXXX payment per the rep I spoke to. 

I called to make a payment for the {$80.00} difference 2 days later when I found out ( my  account was negative by {$6000.00}! ) BOA didn't charge me for {$80.00}, they charged me {$5600.00}! I never authorized this and the rep never mentioned it! This is illegal activity. My bank stopped payment and now it's past the grace period so I was late. I am now late with XX/XX/XXXX payment due to this fiasco from BOA. My bank stopped payment and reversed the problem BOA caused. The {$80.00} was not charged so I had to call BOA again, talk to a couple reps, and FINALLY they said it was charged, which took another couple of business days. 

Because I'm late, due to their clerical error, they said there is a letter generated with intent to foreclose that is being sent out. I need to come up with 2 months mortgage to bring it current by XX/XX/2019! I am given one month to come up with {$5000.00} plus fees plus taxes, which makes no sense since I have escrow through them. By law they can't generate a letter until 4 months missed payments occur. I also get more than a month to get the funds. I don't have the funds. I am looking into suing BOA. This is ridiculous and not my fault! 
thanks!
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

I went into an agreement with this company to settle a debt that was charged off. I was told after I paid the settled amount, my balance would be {$0.00} and I would no longer owe the company. The company instead reported a different amount to the credit bureaus and now requesting the credit bureaus get customer authorization to discuss the account. When I call Amex I get transferred all around and never receive any help.
Consumer complaint received 2019-08-27
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. (GA)

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me, as I am a victim of identity theft. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The FCRA section 605b states that this matter should be addressed within 4 days yet, I have been ignored and violated by Equifax for months now. The accounts are listed here below. Bankruptcy Chapter XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX   account # XXXX
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2019-08-27
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. (MI)

On XX/XX/2019 a Certified letter was created and sent to Experian Credit reporting which included all necessary documentation requirements to demand " VERIFIABLE PROOF '' of an original consumer contract with my signature on it for the account named XXXX XXXX for the original creditor XXXX. Account # XXXX This request was asked for under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) that Experian is required by Federal Law to verify through PHYSICAL VERIFICATION of the ORIGINAL SIGNED CONSUMER CONTRACT - ANY AND ALL ACCOUNTS THAT are POSTED ON MY CREDIT REPORT. 

On XX/XX/2019 a Certified letter was also created and sent to XXXX XXXX demanding the same detailed information. As of today 's date XX/XX/2019 I have received NO REPLY from XXXX XXXX. 

As of XX/XX/2019 I have received through general USPS mail, that the dispute result to my above correspondence from Experian informing me that the company ( XXXX XXXX ) " CERTIFIED '' and " ACCURATE '' information that they are reporting to Experian and my dispute remains unchanged This is NOT what I requested from either Experian or XXXX XXXX. I asked for PHYSICAL VERIFICATION of the ORIGINAL SIGNED CONSUMER CONTRACT - ANY AND ALL ACCOUNTS THAT are POSTED ON MY CREDIT REPORT to which under Federal law they are REQUIRED to provide or the negative item reporting has to be removed immediately.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NY)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$340.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$1100.00} XXXX {$300.00} XXXX {$98.00}
Consumer complaint received 2021-01-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Medical Administrators, Inc (KY)

I received a cahrge to my mastercard that I did not make. The card was was cancelled then reissued with a new number. The amount was {$110.00}. Today I get a bill from National Medical Administrators , Inc. XXXX XXXX XXXX XXXX GA XXXX. I made no such charge The bill says I can dispute the debt with them and they will obtain verification of the debt or copy of judgement and mail me a copy.
Consumer complaint received 2022-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Hello guys, I have been disputing accounts with the credit bureaus and they have not given me an answer on the status of the disputes. 

And also notice that they indicate that " They have not been able to verify my identity '' when from the beginning I have sent them all the required documentation. 

I want them to open an investigation immediately with the accounts they are reporting to me. And I don't want them to keep playing with my time by insinuating that I'm not the one disputing my accounts.
Consumer complaint received 2018-11-19
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (CT)

On XX/XX/2018 I received a credit monitoring alert from Experian Information Solutions Inc. that a student loan from XXXX XXXX/XXXX  was entered on the credit report as new account numbers in collection. There has been no debt validation or verification, XXXX/XXXX  violated the Fair Debt Collection Practices Act when their collection agents called my phone after asking them to stop. A complaint was filed with the CT Dept of Banking in regard the telephone harassment. 

It is illegal to report old time barred accounts and re-age the date of fist delinquency on disputed accounts. Experian has violated the 1681 of the FCRA, and provisions of the FDCPA by failing to follow reasonable procedures in cases of disputed accuracy, including engaging in unfair deceptive credit reporting and debt collection practices with XXXX XXXX a division of XXXX. 

It is illegal to design compile and report credit information from disputed accounts in an attempt to re-age or change or alter account related history, including payments or other data not reflected in the account history. Experian is harassing and staking consumer. Consumer will contact the Sheriffs office and serve Experian a writ. If this consumer complaint is not resolved in full satisfaction of FCRA compliance standards set forth by the consumer credit industry. Consumer will file in state of federal court for willful violations of the FCRA and FDCPA in full force permitted by state and federal consumer protection laws including attorneys fees. 


XXXX/XXXX XXXX a division of XXXX can not collect on this student loan because it exceeded the terms and conditions on the original contract agreement. There is neither an assignment clause that permits any other " servicer '' or collection agency to collect on behalf of private student loan lenders. Private student loans have specific guidelines to follow and are subject to CFPB rules and specific federal laws pertaining to collection and credit reporting ( FCRA ) compliance procedures.
Consumer complaint received 2018-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I have made several attempts to view my Equifax report. I keep getting denied and no explanation why. I requested a copy for my yearly free credit report, and again today based on some recent credit denials. I was denied a second time today with no explanation or clear way explained to request them.
Consumer complaint received 2020-01-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC (DE)

I rights was taking away from me from XXXX XXXX XXXX XXXX I try speaking with them about this predatory lending they called me stupid ask you do I know how to read and told me there isnt anything that can be done with the contract also not disclosing terms in the contract and us and explaining to me what they were and rolling in also not let me know that there was a balloon payment of {$20000.00} after I paid {$95000.00} for the vehicle I would not have taking a deal like this no one will have I had a brand new vehicle which I was trading at XXXX  XXXX XXXX XXXX with XXXX miles on itThey push this deal through for this car took away my rights to make an accurate decision need help following up on this
Consumer complaint received 2020-01-29
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. (GA)

To Whomever This May Concern : I received an email from XXXX XXXX stating that they were closing my account because of past due accounts on XXXX. That information is incorrect. I have fraud alerts up and down my credit report stating that I have been a victim of fraud for over 5 years. Also Equifax has an account from XXXX XXXX reporting as a collection account on my report that is fraudulent. I have been back and forth for years over various accounts that are fraudulent and I am tired. I need XXXX XXXX, removed off of my report. I need any other collection accounts removed off of my report. I need any addresses that are not XXXX XXXX XXXX XXXX, GA XXXX removed off of my credit report. I need phone numbers that are not XXXX removed off of my report. I need other names that are not XXXX XXXX XXXX XXXX or XXXX XXXX XXXX removed off of my report. I am not happy with this and I am looking at filing suit. I need XXXX and equifax to remove any and all delinquent accounts from my report asap. I need them to send me an updated report in the mail reflecting that change. Also, for some reason, XXXX will not let me see my report online and I don't understand why. I have tried calling that useless XXXX number and all I get is a recording that will not allow me to speak with a representative. Please fix that.
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA (MA)

I received an alert from my XXXX  XXXX  stating possible fraud and a balance overdue. I am in good standing always with payments, so the alert was because it did not line up with my current credit history. Upon my review, there was supposedly an online account with apple on a virtual account and a charge of {$2.00}. I have made over 9 phone calls over this month to figure it out and Goldman Sachs and Apple Card can not tell me. They just keep asking me to file fraud claim and they have no idea where this came from.
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX A XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. 

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX