davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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: Child Support Recovery Services, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OK)

The servicing company hold money and does not apply monthly payments until it wants and has charged more than XXXX in fees for services. They say no lates so these fees are excessive. I do not know why XXXX XXXX XXXX sold loan to them. But this is very bad service. See documentation for information
Consumer complaint received 2022-01-08
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. (PA)

I am writing this letter simply to remove information being reported to my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that you remove thern to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One Auto Finance is incorrectly reporting me as late from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX. I have sent documentation from my bank which clearly faults a third party for the issue but Capital One Auto Finance refuses to correct their reporting as required under the Fair Credit Reporting Act.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX  XXXX  # XXXX, XXXX XXXX XXXX  XXXX  # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Consumer complaint received 2021-05-04
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: Credit Plus Inc (TX)

I have several unauthorized inquiries from two credit bureaus, I did not apply for or approve anyone to pull my credit to apply with the following companies : XXXX  XXXX XXXX XXXXXX/XX/XXXX Credit plusXX/XX/XXXXXXXX XXXX  XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXXCredit plusXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXXXX/XX/XXXX
Consumer complaint received 2020-12-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX, I called B OF A ( XXXX XXXX XXXX XXXX, that I would like to pay {$140000.00} towards my principal. The B of A ( Bank of American ) said due to COIVD19 they are closed and I should call B of A back in XXXX. I also visited 3 different branches of B of A, and all these branches were closed in XXXX. 
In XX/XX/XXXX, I called again and B of A was closed. 
In XX/XX/XXXX, I called and informed the Bank of America ), that I would like to pay {$140000.00} towards my principal in XXXX. Because of Covid 19, the bank told me that it's better that I wait till XX/XX/XXXX, and the bank will put me in deferring 3 month payment plan. I told the B of A that I want to pay now, but the Bank Rep advised me not pay now, because the government might provide some grant to business owners. Since XXXX first, the Bank of America started charging me interest, and I told them that I have the mortgage payment sitting in my account ( $ XXXX ), wanted to make payment MANY times, and why they are charging me ANY interest! 
In XX/XX/XXXX, I called B of A ( at time XXXX and talked with XXXX XXXX XXXX, and after 38 minutes on the line, the bank Rep told me the bank system is changing, my issue will be taken care of and I should call back again. 
In XX/XX/XXXX, I called and informed the Bank of America that I would like to pay {$140000.00} towards my principal from XX/XX/XXXX. 

In XXXX, all my account balance became XXXX ; I called B of A, and they told me that they are updating their system. 

In XXXX XXXX ( at XXXX I talked with XXXX from B of A, I was transferred to XX/XX/XXXX then XX/XX/XXXXXXXX then XXXX XXXX and I talked to supervisor XX/XX/XXXX ( at XXXX XXXX XXXX XXXX, and the supervisor promised to calculate my mortgage as well as providing me with the credit for the unjust interest. NOTHING Happened. I spend more than 2 hours that Day. 

I called XX/XX/XXXX, I talked with XXXX, and she said I have no IDEA! and advised me to wait more. 

I called on XX/XX/XXXX and Talked with XXXX XXXX and XXXX : XXXX ), and they transferred me to XXXX to Waive the interest with complaint number : XXXX. 

At XX/XX/XXXX, I visited B of A branch at XXXX XXXXXXXX FL, Spoke with the loan officer ( no body was there ). I talked and explained my situation with XXXX and I paid {$140000.00}. 

I talked to XXXX XXXX ( B of A supervisor at XXXX XXXX XXXX XXXX XXXX, I talked with XXXX supervisor, They promised to call me back and never Did! 

I talked with Mr. XXXX for 37 minutes, I talked with XXXX, they put a complain : XXXX and another complain XXXX. Called XXXX, 45 minutes. 

Finally, I talked with XXXX ( Rep from B of America ) complain number : XXXX for 20 minutes, and XXXX told me that her supervisor XXXX will call me in 24 hours, if not, I have to call COO of Bank of America XXXX XXXX at XXXX XXXX ) XXXX XXXX. I called 3 times and received no response. 
This is my 8 month Misrables experience with Bank of America.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

FRAUDLENT ACCOUNTS HAVE BEEN LINKED TO MY FILE THAT DO NOT BELONG TO ME NEITHER HAVE I BENEFITED FROM THESE INQUIRIES OR ACCOUNTS
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion, XXXX, XXXX  has allowed XXXX XXXX  to report open account on my credit profile although I notified the credit card company that the initial account was opened fraudulently. Ive also notified all three bureaus of this. The company is now violating my rights under The FCRA and has re-opened an account that should have never been there in the first place. The account is showing re-opened in my credit file as ofXX/XX/XXXX and has also cost me -45 points.
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (UT)

XX/XX/2017 From XXXX XXXX XXXX XXXX : Stearns Lending fraud. 
XXXX XXXX XXXX Dear Sir/Madam I have continually had issues with my loan with Stearns. Almost every payment they either reverse or re-apply to my detriment. I have been sending in extra payments yet they have recently charged me late fees and refuse to correct them. I have also sent in several cashiers checks recently of which some they have applied then later marked as " bad check reversal '' and un-applied them even though they are CASHIERS CHECKS from reputable banks. Regardless of the bank I use, they continually use these purposefully confusing shady fraudulent practices in order to hide the extra payments and mark my mortgage owed as higher than what I have paid. 

I have requested via email and I have called and they either promise to fix and never fi or they refuse to fix their error saying it was my error. My loan should be a full {$10000.00} less right now than what they show ( not including the interest paid they need to refund me ). 

I am only contacting you out of desperation because they will not help me and at this point my mortgage statement is so messed up it may take a forensic accountant to fix it. I am sure you will find more complaints regarding this company. The problems started when I began paying extra so I can only assume someone there has been funneling my money elsewhere. 

PLEASE HELP!!! I can no longer accept this fraud and I need someone to force them to fix my mortgage correctly. 

Thank you! 

XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX
Consumer complaint received 2021-02-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (LA)

On XX/XX/2021 I sent Navy Federal Credit Union an Affidavit of Truth and Lending certified mail regarding a fraudulent auto loan that they approve on my behalf. The terms to the Promissory Note states The owner ( s ) of the collateral warrant ( s ) the he/she is the owner of the collateral listed on the front ; that there are no other liens or claims against the collateral.

15 USC 77q states It shall be unlawful for any person in offer or sale of any securities ( including security-based swaps ) or any security-based swap agreement ( as defined in section 78c ( a ) ( 78 ) of this title ) by the use of any means or instruments of transportation or communication in interstate commerce or by use of the mails, directly or indirectly and that contract promise was not fulfilled by Navy Federal Credit Union.
Consumer complaint received 2018-07-26
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)

There is a collection showing on my credit from XXXX XXXX XXXX XXXX. The address listed on each report is XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX. I disputed this directly with the bureaus before on account of having never received proof / verifiable information as to why the debt as owed in the first place and never got a conclusive answer except that the information was " verified. '' I have attempted to contact this collector several times in writing to no avail. At first I thought they were refusing delivery because my letters were not certified, but upon sending a certified letter and having that returned as well, I realized the collector just isn't reporting accurate information to my reports, in direct violation of the FCRA. I want the account removed from my reports since it's proven unduly burdensome to contact the collector.
Consumer complaint received 2021-04-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Hey so its been past 30 days and i have not gotten accurate results about my auto loan dispute. The only response I've been getting is that its been verified. Well I want to know who verified it. By law in 30 days no result it needs to be remove
Consumer complaint received 2021-05-04
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. (CA)

There are 6 accounts that are on my credit report that do not belong to they are not mine I have not signed or approved these. They are not mine!!!! I have been disputing these since XX/XX/XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX/XXXX - Acct # XXXX XXXX {$2600.00} XXXX XXXX XXXX  XXXX - Acct # XXXX Amt {$21000.00} XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9900.00} XXXX XXXX XXXX  XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} INQUIRIES Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXXXXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX/XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX/XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2017-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (ND)

Hi, I have opened a Coinbase account two weeks ago and I have seen a set of odd transactions that either failed or were unclear to me. Furthermore, despite me linking some of my bank accounts with the app, there has been no verification. Same with my ID. They keep asking for pictures of my driver 's license to complete my ID verification, but nothing happens. I have tried since to close the account, with no luck. There is essentially no response coming from coinbase customer support, whether that is on the phone or via email. This is not only unprofessional, but also negligent. Constantly typing in the same information for it just to get rejected is simply not safe. I 'd like coin base to finally be able to close my account.
Consumer complaint received 2020-07-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (CA)

Last XXXX, XXXX, we received a letter from US Bank that our loan for a XXXX XXXX XXXX XXXX was paid off. My wife and I had not paid off the loan and spent many hours and phone calls notifying them this was a mistake or fraud. After many hours trying to straighten it out, they said they applied a loan payment to our loan from someone else on accident and that it had been fixed. Turns out it had not been fixed. 
Recently, XX/XX/XXXX, we decided to sell the trailer. After finding a buyer and taking a deposit to hold the trailer until title release, I took a cashiers check from XXXX XXXX to US bank to pay off the loan. The amount was {$20000.00}. That was on XX/XX/XXXX. They said they could not process the loan payment in branch or enter it into the computer. They gave me a handwritten receipt. After 8 days, the loan had not been paid off and the title had not been released. The branch manager notified me things were taking longer because of Covid issues. On Friday, XX/XX/XXXX, we spoke again and she said that their lean had been released to my wife and I accidentally in XX/XX/XXXX. I did not believe them and was very concerned because of what had taken place in XX/XX/XXXX with the false payment. I called a DMV registration services business and gave them the VIN #. US Bank had given lienholder status to the fraudulent company from the previous year and returned their false payment back to them in addition. We have been making loan payments to US Bank for 9  months and they had turned over lienholder status to a company named XXXX XXXX XXXX somewhere in the east coast back in XX/XX/XXXX. I called them and told them about the mistake but can not get any answers from them at this point. I do not know how to right this ship or get my title from them at this point. Needless to say, I am very angry.
Consumer complaint received 2019-08-13
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: Specialized Loan Servicing Holdings LLC (TX)

Went through mortgage loan modification and made all payments on time. New loan servicer incorrectly reported to credit bureaus that we were past due 180 days in XX/XX/2018 when the loan was transferred to Specialized Loan Servicing ( SLS ) XX/XX/2018. We made requested payments and modification was completed XX/XX/2018. Now our credit history shows we were late with 2 mortgages-XXXX XXXX and SLS, even though we paid as agreed to new loan servicer SLS. This negative information has prevented and is still preventing me from my ability to conduct commerce. I have disputed this with all 3 credit reporting agencies and SLS and have had no success in correcting this information. SLS has violated FCRA by not informing us of this negative credit history so that we may have disputed it back in XX/XX/2018 when they started reporting it.
Consumer complaint received 2021-05-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I had a 36month lease with XXXX XXXX. The account was on auto paid and paid on time for 30 months. On month XXXX, for a reason unknown to me, the auto pay date started to kick inn 1 day after the due date, creating late fees. At no time XXXX contacted me by either mail, email or phone to advice that there were late fees accruing on my account. 
I had reach them to get them to remove the charges to no avail, simply because I did not lease a new XXXX vehicle as I had in the past. 
I have sent proof of auto payment to all credit agencies, XXXX, XXXX  & experian, but XXXX XXXX  replies to them every time that the late payment fees are due. 

attached proof of the last payments
Consumer complaint received 2023-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

I was notified via mail that Caine & Weiner Company , Inc was attempted to collect a alleged debt on the behalf of XXXX the date on the letter was XXXX giving me a deadline to contact them to dispute online by XXXX. I sent email on XXXX @ XXXX EST to dispute alleged debt and requested that company verify and validate debt. In that dispute notification, I advised once I recieved documentation to allow me 30 days to review and respond for accuracy. I got a response from XXXX XXXX a rep from Caine & Weiner, advising that company has notated my file and they would be requesting additional information on the balance from their client. The communication said once they recieve they will forward the information to me. I wasn't contacted again until XXXX and in that communication, all I recieved was a final statement that was attached in the email and that my account was noted for dispute. On XXXX, I recieved another email from XXXX XXXX, stating she was reaching out on the behalf of progressive and to conact or email the office back for resoultion. On that same day, Caine & Weiner sent file to credit reporting agencies reporting balance as a collections. Caine & Weiner are in violation of 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 resonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 604 A Section 2. States, a consumer reporting agency can not furnish account information without my written consent.