davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Monterey Financial Services LLC (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2018-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (AR)

This is a Continuation of CFPB Case # XXXX-XXXX & Case # XXXX-XXXX. 
The problem has STILL not been taken care of.

The Mortgage Statements are STILL not being sent out.

I called Selene today XX/XX/2018 because I had not received my statement for XXXX. XXXX received my XXXX payment on XX/XX/XXXX. I spoke with XXXX ( very nice ) but did not know why. Transferred to her supervisor XXXX, whom gave me the same song & dance, statements will be going out on the XXXX. REALLY? Which means even if they do send them ( which they never do and is contrary to what their previous explanation letter ( s ) state, means I will get it around the XXXX, put my check in the mail that day-HOW COULD IT POSSIBLY GET THERE BY THE XXXX OF THE MONTH? LIES! 
Per XXXX employee ( XXXX XXXX/RB Executive Resolution Team ) in writing on XX/XX/2018. AND I QUOTE : " Specifically, Mortgage Statements will generate once a month upon receipt of payment. '' LIE! NO statements were sent out in XXXX, XXXX until I contacted CFPB and you sent a letter. I received XXXX, XXXX & XXXX ONLY AFTER the 2nd letter from CFPB. 
AGAIN on XX/XX/XXXX in writing from XXXX employee XXXX XXXX in response to 2nd complaint from CFPB : QUOTE : " We were in the process of making updates to our Mortgage Statements ( since XXXX ) and therefore they were not being generated. " ( How is that my problem and why do they constantly lie about it AND how many other people is this affecting? ) QUOTE '' However, the updates WERE completed and Statements will be mailed once a month upon receipt of a payment '' AGAIN A LIE! They received XX/XX/XXXX payment on XX/XX/XXXX but XXXX. Statement will not be mailed to me until XXXX? This is now the 3rd TIME I have had to file a COMPLAINT for the same exact problem that has been going on since XXXX. They keep saying it has been resolved which is an out and out lie and are still doing NOTHING to get it resolved.
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I consistenly monitor my credit reports from all three bureaus, and I am highly frustrated and disappointed with the information that XXXX is reporting to these bureaus. 

They main problem is every other month, XXXX says, " we are reporting your information accurately '', then I check with the bureaus ; XXXX as an example : shows that the account has been closed as of XX/XX/2018 or a month before. They also show no payment history from XX/XX/2018 back to the beginning of this loan. 

I have no payment history showing for any years previous to XXXX and XX/XX/2018. 
I have a problem with that because XXXX has collected my mortgage payment for years and they onlly show two months mortgage payment of XX/XX/2018. 

The other sad thing is, I have filed several complaints with the CFPB and you all have just stood by idlely and allowed this company to continue to practice these deceitful practices. 

They should be held accountable!!! I have no words even for the purpose of filing this complaint. You constantly just forward the complaint and you don't get involved with the process legally. LOOK AT MY INDIVIDUAL CASE AND SEE HOW LONG THEY HAVE VIOLATED MY RIGHTS ( that CFPB is supposedly overseeing ). This is a joke There is clearly a problem with my mortgage company, their third party reporting agencies and the credit bureaus reporting my mortgage information accurately without closing my mortgage account every other month. 

Who does that? I make a payment and they close my account when they try to report it????? "? 

This has taken a toll on my credit score and report to where I am unable to procure, refinance my loan because the account is " CLOSED WITH NO HISTORY ''. 

I am desperately imporing that you take a closer look at my mortgage company, who they have reporting my payments or all 3 of the credit reporting bureaus and their third party reporting entities and how they procure/verify that information. 

I NEED INTERVENTION NOW!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi- I had XXXX XXXX XXXX cards my limits on Both cards were XXXX. On TransUnion it's reporting over XXXX. Which is wrong. I did write the Credit bureau about this error. Please help me with this. I can be reached at XXXX XXXX XXXX after XXXX XXXX Eastern Time. Thankyou so much. XXXX
Consumer complaint received 2018-11-13
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. (CA)

I consistenly monitor my credit reports from all three bureaus, and I am highly frustrated and disappointed with the information that XXXX is reporting to these bureaus. 

They main problem is every other month, XXXX says, " we are reporting your information accurately '', then I check with the bureaus ; Equifax as an example : shows that the account has been closed as of XX/XX/2018 or a month before. They also show no payment history from XX/XX/2018 back to the beginning of this loan. 

I have no payment history showing for any years previous to XXXX and XX/XX/2018. 
I have a problem with that because XXXX has collected my mortgage payment for years and they onlly show two months mortgage payment of XX/XX/2018. 

The other sad thing is, I have filed several complaints with the CFPB and you all have just stood by idlely and allowed this company to continue to practice these deceitful practices. 

They should be held accountable!!! I have no words even for the purpose of filing this complaint. You constantly just forward the complaint and you don't get involved with the process legally. LOOK AT MY INDIVIDUAL CASE AND SEE HOW LONG THEY HAVE VIOLATED MY RIGHTS ( that CFPB is supposedly overseeing ). This is a joke There is clearly a problem with my mortgage company, their third party reporting agencies and the credit bureaus reporting my mortgage information accurately without closing my mortgage account every other month. 

Who does that? I make a payment and they close my account when they try to report it????? "? 

This has taken a toll on my credit score and report to where I am unable to procure, refinance my loan because the account is " CLOSED WITH NO HISTORY ''. 

I am desperately imporing that you take a closer look at my mortgage company, who they have reporting my payments or all 3 of the credit reporting bureaus and their third party reporting entities and how they procure/verify that information. 

I NEED INTERVENTION NOW!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2018-11-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (NY)

I am writing now in hopes to receive your help. Presently I am working on examining my credit, paying down my balances, and pursuing better credit worthiness. You play a vital part in this process. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX  and XXXX ) on XX/XX/2018 and I am submitting this to have this remark took back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
Consumer complaint received 2018-11-13
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. (SC)

CFBP please view the comments from Experian dated XX/XX/2018. The attached documents confirm that this company is comfortable parroting and reporting inaccurate unverified information. Experian is comfortable with Law suits confirming their willingness to violate the LAW and guidelines within the FCRA in fair reporting. The attached documents are a mirror image of the complaint that I have with XXXX   XXXX and Experian.
Consumer complaint received 2017-11-10
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. (UT)

In accordance with FCRA 605B, I requested a block of information on my Experian, XXXX, and XXXX credit reports that are fraud, including proof of identity ( Drivers License and Social Security Card ), Identity Theft Reports and police report XXXX XXXX XXXX and XXXX XXXX XXXX, detailed identification of the fraudulent accounts on my credit report with copies of credit report, and a detailed letter stating the information on my credit report is fraudulent and not related to any transaction authorized by me. 

Accounts included : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX ( previously determined to be fraud in XXXX XXXX XXXX Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These letters were received by each credit reporting agency by Monday, XXXX XXXX, XXXX via USPS Flat Rate with Tracking. 

It has exceeded the four ( 4 ) days allowed to block and remove the identified information from my credit report, and it has not been blocked. 

In addition, XXXX account determined to be fraudulent and removed from my credit report in XXXX XXXX are now showing up on my credit report again over the past two weeks. Once an account is determined to be fraudulent, it should be blocked from my credit report unless written notice is provided by the credit reporting agency and creditor that the account has been found valid and accurate accompanied by account verification documentation. This notice and information was not provided.
Consumer complaint received 2015-04-01
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

XXXX XXXX XXXX XXXX Weltmem Weinberg & reis filed a lawsuit against me for a debt that was open by someone in XXXX/XXXX/XXXX when i was only XXXX years old. Also I have a Bankruptcy that the Plaintiff has admit. they were aware of that was filed in XXXX and discharge in XXXX they never notify by mail or phone call also\ they got a default judgment against me in stated garnishing my bank account.
Consumer complaint received 2023-04-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc (CA)

Item showing I owe a balance of {$23000.00} I am Hereby Demanding Deletion to the Invalid information Showing on My XXXX XXXX Credit file. This is a violation Pursuant to My Fair Credit Reporting Act Section 1681b ( c ) a SERIOUS breach of my privacy rights.
Consumer complaint received 2018-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp (CA)

In XX/XX/2018 I found out that there was a joint account opened by ex-husband under my name without my consent or any signature obtained by me for {$30000.00}. During divorce proceedings, my ex-husband signed legal documents taking full responsibility for payment of the loan and he had stated that after speaking with the loan company they informed him that after a couple of months of monthly payments my name will be removed. My name was not removed and Lending Club Co is contacting me for payment of a loan that was fraudulently opened under my name using my personal information. I am baffled that a loan for that amount can be opened without my consent or any signature.
Consumer complaint received 2018-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

Basically my taxes are in my escrow and Ditec my mortgage company again trying anything they can to make us miserable. Please help. They didn't fully pay my home taxes and we are getting delinquent letters. I don't understand how my taxes are in my escrow why is this happening! Please help us.
Consumer complaint received 2018-04-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (NV)

Contacted Mercedes Financial. I got behind on a couple of payments. My vehicle was repossessed! I paid all the fees got the car out and been making all of my payments 2 weeks early I've asked MB Financial in goodwill to remove the mark of Repossession and the late payments and they are refusing. I'm a business owner and one of my accounts was compromised and I couldn't make the payments because I have approx 12K locked in this account. I explained that to them and they will not budge. I'm just asking for a little help because I'm trying to purchase a home. Please help with this situation please.
Consumer complaint received 2017-11-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WI)

Consumer requested 3 loan modification our attempts has been unsuccessful or insufficient to create a meaningful solution. Denial of loan modification kept contributing to our delinquent balance. 
Consumer filed chapter XXXX, Mortgage company filed claim to trustee late. 
Attorney offer was {$1600.00} a month we could n't afford.
Consumer complaint received 2018-11-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DE)

On XX/XX/2018 I disputed Accounts XXXX XXXX And XXXX with Equifax credit bureau. I disputed these accounts under FCRA section 609 ( a ) ( 1 ) ( A ) to disclose all information and FCRA section 611 ( a ) ( 1 ) ( A ) A consumer contract with my signature on it. I called Equifax on XX/XX/2018 to check status on these accounts and they said these accounts where Verified on XX/XX/2018 and did not disclose any information as was requested and didn't send any documents which is noncompliance Section 617. So I wrote another letter on XX/XX/2018 Under section 609 ( a ) ( 1 ) ( A ) and FCRA section 611 ( a ) ( 1 ) ( A ) for the same accounts XXXX XXXX and XXXX. I sent this letter certified and tracked it Equifax received this letter on XX/XX/2018 @ XXXX. The mail Receipt was received and signed by XXXX XXXX and dated for XX/XX/2018 and sent back to me as I requested. I noticed my online Equifax did report did not update in the remark box stating dispute. So on XX/XX/2018 I called Equifax and asked if they receive my dispute letter they said no. On XX/XX/2018 I called Equifax back to verify if they receive my dispute they said no. I notice no update on my Equifax Subscription so on XX/XX/2018 i called Equifax and asked if they receive my dispute they said no. I called XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, And today XX/XX/2018 and even spoked to a supervisor and no dispute had been started yet. I have evidence that they receive my dispute. I will be showing documents of the dispute letter and the certified letter mail receipt signed by someone from Equifax.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (MD)

I have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX with the account numbers XXXX and XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX EXPERIAN XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( XXXX ) be removed from the following account ( XXXX ) immediately. XXXX XXXX XXXX XXXX and XXXX
Consumer complaint received 2023-03-23
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)

This is my several requests 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 : XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance  : {$12000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XX/XX/2021
Consumer complaint received 2024-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Idaho Housing And Finance Association (IA)

I attempted to set up a payment to bring my loan current XX/XX/year> but the agent hung up on me without any explanation. To bring your loan current, a payment of late fees aren't required per federal laws to avoid foreclosure. I also never received any demand letter or notice of foreclosure. I'd like to pay the full amount required to bring my loan current, minus any non required fees.
Consumer complaint received 2023-03-23
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-07-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. 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. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX 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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Eastern Account Systems of Connecticut, Inc. (GA)

Eastern account gave you guys info regarding a balance of {$230.00} balance and when I call Eastern they said the balance is {$590.00}. More so the company XXXX doesnt exist anymore Ive been trying to contact them. The issue was they never gave my health insurance the correct code from my XXXX  done in XXXX.