davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-27
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We acquired a mortgage on a double wide trailer and XXXX acres of land. I was deemed permanent property, but Bank of America still put a separate electronic lien on the double wide. The entire loan ( mortgage ) was paid off in XXXX of 2014. We have contacted Bank of America, XXXX Bank, Our local DMV, XXXX multiple times, have all the paperwork and Bank of AMerica still has not release the lien. According to XXXX they are the only ones that can release the electronic lien since they are the ones that established it. Also apparently we are not the only people they have done this do according to our local bankers.
Consumer complaint received 2016-03-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (DC)

i bought a car in XXXX, XXXX i financed it through chrysler capital ( account number XXXX ). my first statement from chrysler capital arrived in XXXX XXXX and i made a payment of {$480.00}. the next statement i received ( in XXXX XXXX ), which i have attached, showed that my account was current and the next payment was not due until XXXX XXXX in early XXXX XXXX, i was notified by chrysler capital ( via phone ) that my account was overdue. i called them and was told that i missed my XXXX payment. i told them that my XXXX statement said that my account was current and no payment was due until XXXX. they said they had made an accounting mistake and that my XXXX statement was not accurate. apparently, they had mis-applied funds ( {$670.00} ) to my account, then later reversed it without notifying me. when this was explained to me by the chrysler capital representative, i said i would make a payment immediately and they told me that any associated late fees would be reversed since the error was not mine. my XXXX payment was made on XXXX XXXX, XXXX when i received my XXXX statement ( also attached ), the late fee had NOT been reversed, nor was my payment from XXXX XXXX applied. i called chrysler capital and they said that that my request to have the late fee reversed was denied. i asked to speak to a supervisor and they repeated that the late fee would not be reversed, even though the reason my payment was late was due to an accounting error made by chrysler capital. i asked to have the matter escalated and the supervisor connected me to chrysler capital 's 'office of the president ', which led to a voicemail box. i never heard from them after leaving a message. i now ask that any and all late fees from my account be reversed immediately, as i was told would be done since the mistake was not mine.
Consumer complaint received 2022-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (IL)

Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX  because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the XXXX  because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over.

With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane.

IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? Im dying out here help me get this deleted again. Thank you
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST AMERICAN FINANCIAL CORPORATION (FL)

When I bought my home in 2005 at XXXX XXXX XXXX XXXX Georgia XXXX last name at the time XXXX, I signed the loan documents and I took out owners title insurance with XXXX XXXX XXXX XXXX. First American acquired XXXX. Last week I requested a copy of my full title insurance documents only to be told they can not locate any information for me. I have several friends who purchased with me and have the same documentation and it states XXXX XXXX XXXX XXXX. I want a copy of the title insurance.
Consumer complaint received 2015-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NJ)

I received a complaint in XX/XX/XXXX from Midland Funding LLC assignee of XXXX Bank XXXX. I answered the complaint to state it was not me. The matter was dismissed. Again now in XX/XX/XXXX I have another complaint from Midland Funding LLC assignee of XXXX Bank XXXX. I had to spend money again to answer the complaint and I have to miss a day to spend it in court. I want them to stop sending me these complaints.
Consumer complaint received 2015-04-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

I was notified that a creditor, HSBC, did not report to the credit bureaus my payments to XXXX since XX/XX/XXXX, XXXX, and XXXX XXXX since XX/XX/XXXX, even though they were all made on time. I have never missed a mortgage payment, and have been with them for ten years. After learning that this non-reporting does impact my score, I wrote a letter asking that they insert the payment information ASAP. They refused. HSBC account # XXXX contactXXXX.
Consumer complaint received 2021-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2018-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MN)

My name is XXXX XXXX I have a loan with Freedom Mortgage I have been making overpayments on my mortgage and they consistently have been applying the payments to future interest instead of principle. 
I have contact them several times over the phone, but they do not seem to be changing their process or it keeps reverting back to future interest. 

I feel that I am being defrauded and I suspect they are doing this to many other people. 

I copied my statement. Please note the " Interest Paid to Date '' is far into the future. 

Its conveniently buried in the statement.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have been disputing an incorrect address with Equifax for the last 7 months. I have called and sent dispute letters for the last months and Equifax has not corrected the inaccurate information on my credit report. What they keep saying is that they have updated my credit report but it stays the same. I sent dispute letters to Equifax on XX/XX/2021, XX/XX/2021, and phone call, XX/XX/2021, XX/XX/2021, XX/XX/2021, and the last one on XX/XX/2021. Equifax has failed to correct the address that does not belong to me. I seek remedy by the CFPB.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TN)

On XX/XX/2019, a payment was scheduled a day prior to the due date in the amount of {$340.00}. I received a confirmation email at XXXX XXXX stating that the payment will be posted on XX/XX/2019, which is my due date. 

At this time the information reported to bureaus is that the payment is late. There was no late payment made, and all funds were collected.
Consumer complaint received 2015-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (DE)

THIS IS NOT A DUPLICATE. I submitted a complaint against Focus XXXX and XXXX XXXX. I moved into an apartment at XXXX XXXX XXXX on XXXX/XXXX/XXXX ( I have attached the lease validations from the residence management company ). XXXX submitted a collection to Focus showing the XXXX delinquency date as XXXX which was BEFORE I moved in. 

They have taken a previous resident 's bill and placed it on my credit bureau as a collection. XXXX said I needed to file a police report and file fraud affidavits. This is not fraud ... it is poor accounting and management. 

I filed a complaint against XXXX XXXX and CFPB told me I needed to file against Focus. I have attached my credit report showing the first delinquency of XXXX ... I have attached a letter from the property manager showing I moved in in XXXX.
Consumer complaint received 2022-02-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE (UT)

I received a notice from Mortgage company American Pacific Mortgage stating I did not have any hazard insurance on my property. My hazard insurance has been current since loan was opened on XXXX and is good through XXXX. It is paid in full and is part of my escrow payment. When I called in on XXXX the representative I spoke with just said " we will take care of it '' and didn't ask for any details, not even the insurance company I am with ( which they have right in their records ). They are taking out an insurance policy for my house with a premium of {$33000.00}. My mortgage is XXXX and my insurance is less than {$700.00} per year. They are purposely trying to gain money from me and wreck my perfect credit. I was then transferred to the insurance department and she said the address on my insurance doesnt match the home address. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX which are the EXACT same address. Refused to fix the issue.
Consumer complaint received 2021-05-20
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. (MI)

I have 2 XXXX XXXX accounts reporting on my credit report. The accounts were charge offs that were paid during settlement for a lesser amount. I have since launched 3 disputes with corresponding bureaus. The 3 bureaus have reported back separate payment status for the accounts.

Account 1 : Experian shows ( Current/paid, updated XX/XX/XXXX XXXX XXXX shows ( derogatory, updated XX/XX/XXXX XXXX XXXX shows ( unknown, updated XX/XX/XXXX XXXX. 

Account 2 : Experian shows ( Current/paid, updated XX/XX/XXXX XXXX XXXX shows ( Derogatory, Updated XX/XX/XXXX XXXX XXXX shows ( unknown, updated XX/XX/XXXX XXXX. 

According to the previous, XXXX XXXX is reporting different status and and not providing accurate updates from each investigation, which is grounds for immediate removal. I am demanding the immediate removal of these accounts from my credit report across ALL THREE BUREUS as they violate my Fair Credit Reporting Act ( FCRA ) laws.
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

XXXX XXXX XXXX subletting his apartment in XXXX for the summer. XXXX, got a XXXX XXXX, and eventually paid the {$2200.00} security deposit on XX/XX/XXXX through Venmo. His Venmo handle was @ XXXX. He went by XXXX XXXX on XXXX and claimed to be an XXXX XXXX. 

After the fact, I texted him a few times on XXXX XXXX to make sure we were still good. He also talked to my mom over the phone so I have his number too XXXX XXXX XXXX. Now hea XXXX me and deleted his email and XXXX. Another XXXX user reached out named XXXX XXXX who also appears to have been scammed. I still have the signed sublease form and XXXX XXXX  history. 

I'm a XXXX XXXX  and {$2200.00} is a lot to me, I need to get this issue rectified in some manner. I am more than comfortable getting law enforcement involved, but I would like to inquire about XXXX XXXX XXXX XXXX. Is there a way to get his XXXX through his Venmo account and hold him liable? Thank you.
Consumer complaint received 2022-07-20
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. (GA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-08
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo ( XXXX ) changes my mailing address to a XXXX XXXX that I have not used since XXXX without my authorization. In XXXX, a replacement credit card was mailed to the incorrect address. I never received the credit card. Then XXXX sent a new card via FedEX to my residence. 
Multiple applications have been submitted fraudulently to Bank XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX XXXX continuously tell me to contact XXXX because XXXX notified XXXX to change my address. I talked to XXXX reps by phone and in-person at least XXXX times. They assured me that my name is no longer associated with the XXXX XXXX XXXX therefore, it is not linked to me in any way. 
XXXX is negligent in this matter and continues to change my mailing address to the XXXX XXXX without my authorization every XXXX months. I receive a notification that the mailing address has been changed. Then, I log on and change the address back to my residence. In XX/XX/XXXX, I contacted the XXXX. This act resulted in XXXX sending me letters and leaving voicemails stating they were researching the matter. On Thursday, XX/XX/XXXX, I received correspondence that XXXX ( case XXXX ) and XXXX  ( case # XXXX ) were closing the case. XXXX stated yet again that I should contact XXXX even though I have already called XXXX and gone to the XXXX XXXX where the XXXX XXXX is located numerous times and told XXXX has not triggered an address change for me. I am not linked to the XXXX XXXX because I haven't paid for it since XXXX.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

i am a victim of identity theft and i have attach a copy of the report below with all information concerning the FCRA. I would like for the following items to be deleted from my credit report from all XXXX CRAs because they are not mine : i have items on my consumer report that are a result of an identity theft and not made by any transaction related to me : 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 XXXXXXXX
Consumer complaint received 2022-07-20
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. (NC)

I got a auto loan from XXXX XXXX in XXXX NC in XX/XX/2021. The car had problems since day 2. To get the car fixed I had to redo my auto loan in They broke down in XXXX and I told them the location of the car because they werent interested in helping me get it fixed. In XXXX they ran my credit twice without my permission then asks me if I got another car. I did not give permission to run my credit I involuntary gave my car up and still running hard inquires. That is not legal.
Consumer complaint received 2017-03-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stellar Recovery, Inc. (IL)

Back in mid XX/XX/XXXX I filed a complaint against Stellar Recovery for validation of debt. Stellar stated that they would close this account and release debt from all national bureaus. In the meanwhile they are still continuing to contact me on an unvalid debt.
Consumer complaint received 2016-03-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (LA)

i gave santander consumer usa the vehicles back i agreed to not challege the guy when he pick up the vehicles. I have since started to pay some of the money back i pay them XXXX dollars per month. I m a retired postal worker XXXX dollar is all i can afford at time. the problem is the account is a charge off account. Every month they are still putting a negative report on my account. this account was charge off in XX/XX/XXXX.By law can they continue to give a negative every month like they are during.
Consumer complaint received 2015-07-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (OH)

Since my auto loan conception, my payments have been paid in full and upon review of my credit report, the submitted payment of $ XXXX/mo. has been reflected as $ XXXX/mo.. Although it does not indicate any form of past due balance nor negative/derogatory information, I would like to request that this be adjusted for accuracy.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.