davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CA)

I am frustrated to see that the Credit Bureaus have done nothing to remove the disputed Items from my Credit File despite the multiple written letters I have been sending to the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal information but the Credit Bureaus have been ignoring the written appeals I sent. It is clear that the Credit Bureaus have become non-compliant of the FCRA section 605b and continued reporting these items on my Credit File without proper verification. I thought that this matter was already taken care of due to the letters I have been sending but I was wrong. Right now, I am submitting this complaint in hopes that the Credit Bureaus would finally take action and and to remind the Credit Bureaus of their obligation to comply with the FCRA section 605b and delete the disputed items completely from my Credit File. I need the following items removed now! 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance {$3500.00} XXXXXXXX XXXX XXXXXXXX Balance {$4600.00}
Consumer complaint received 2015-03-19
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: CIT BANK, NATIONAL ASSOCIATION (NJ)

I am very disappointed that the CFPB did not help to resolve this fraudulant loan. # XXXX between XXXX XXXX and XXXX, FF ( AKA ) One West. Case # XXXX with CFPB.
Consumer complaint received 2024-02-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Lien release
Company: Rocket Mortgage, LLC (KY)

I did a loan with rocket mortgage on a VA loan they took and it was only supposed to be lot number XXXX only for my house sets on they attached three other lots without me knowing it and they had on the paperwork signature not required and never showed me that they put those other three lots on there I sat there and talked to him and told him that and they said they can do it and there ain't nothing I can do I asked to speak to her upper supervisor she says she don't have one and whatever she says is what's told so I went through the process of trying to get the other three lots released because I sold one not knowing that they even had a lien on it and I don't did everything that they told me to now the one I sold they want me to take and get a survey on which the people is not going to let me on their property to do it and I explain that to him and they said that if I don't that they can foreclose on my loan as a default and they will request the whole amount paid in full at this time I try to talk to him and they would not take and talk to me anymore they just keep threatening me about foreclosure and the individuals where I said we were talking cuz they supposed to be recording all this and when I did the first recording of getting the loan all of a sudden all the cordon 's are gone except for what they got to go against me I don't feel that this is right they were deceitful and they're very nasty and threatening I am a XXXX XXXX XXXX XXXX percent XXXX veteran and it's really driving me I can't stop thinking about it I haven't slept I don't think this is right and I don't think they should do a veteran like this when they were very deceitful in the beginning and not done what was told and then they took and hid the paperwork which we didn't know never received a copy of it and they did not show me any type of what the the property 's worth my house is valued over XXXX and the loans only XXXX I am so scared that they're going to try to take him foreclosed on my house which they have took and told me that and I guess the only thing I can do is go to somebody else and pay her higher mortgage rate which I shouldn't have to it was there deceitfulness in the first place. please give me a help thank you
Consumer complaint received 2018-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

My home is being foreclosure on with a robo signed assignment. The loan was acquired by XXXX XXXX, and it was one the loan that was apart of the XXXX XXXX settlement with the Department of Justices. The assignment was created XX/XX/XXXX and the cutoff date for the trust filed with the U.S .SEC was in XX/XX/XXXX. The agreement said it had to conveyed 90 days befor the cut off date. This assignment was conveyed 5 year after the cut off date in section 201 of the pooling and Service agreement. I mailed both XXXX XXXX XXXX XXXX, and Bayview Loan a QWR / Proof of Claim request. I also asked that the loan be restructured with a lower rate, so my payment will be affordable
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XXXX, for our XXXX anniversary, I took my wife and our oldest daughter on a tour of XXXX. We stopped for lunch at XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX. It was around XXXX, warm and sunny and we sat outside in their courtyard and ordered XXXX ice teas, XXXX lobster rolls and a small salad for lunch. The old woman/owner gave us our bill. We signed the check which must have been no more than {$45.00}, plus tip. It was a regular paper receipt which I paid with my Bank of America XXXX. I signed the paper bill with a pen and never kept a copy for myself since it was such a small amount. 
A few weeks later, while reviewing my XXXX bill from BofA, I noticed that I had a charge of {$560.00} from this restaurant, and no other charges. I immediately called Bank of America and contested the charge, stating that I never authorized this large amount. 
On XX/XX/XXXX I received a letter from Bank of America stating that the merchant had provided proof of a signed receipt for the amount of {$470.00} plus a tip of {$80.00} for a total of {$560.00}. The signature provided to BofA is a close forgery of my signature, and I did not sign nor authorize such a large bill. BofA considers this matter closed and is holding me fully responsible for paying the full amount of {$560.00}. 
I filed a police report with XXXX Police Department XXXX : XXXX. The restaurant has since closed and it 's been torn down. The owners of this restaurant have been found guilty of previous fraud charges and spent time in jail - according to reports you can easily find on the internet.
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. (DC)

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 Bureau the 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 FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXX XXXX
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 information incorrect
Company: Experian Information Solutions Inc. (TX)

I received a copy of my most recent credit report and found an old account that should no longer be reported. The data furnisher is reporting incorrect information. The date of the last activity on this account is older than 7 years. This account should no longer be reporting on my credit report. The name of the account is : XXXX XXXX XXXX with a reported balance of {$530.00}
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 — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My name is XXXX XXXX, I am a federally protected consumer. I am submitting a complaint against Capital one for reporting improper information on my consumer report as well as using extortionate means to collect on an alleged debt. According to 7 CFR 1956.54 the definition of a charge off means a debt written off and termination of collection. According to IRS publication, cancellation of debt is considered income which should not be reported on my consumer report. Furthermore, collection of this debt using extortionate means is a violation which one can be held criminally liable for up to 20 years. I am requesting the removal of my consumer report as well as proof of claim that Capital one has in fact suffered a loss or injury from these transactions.
Consumer complaint received 2021-05-20
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: OneMain Finance Corporation (NC)

I have reviewed a copy of my credit report and I show company ONEMAIN FI account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2022-02-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (MI)

I keep getting threatening emails from a lawyer at speedy cash, I have never taken out any loans. They keep asking me to send money or I'm gon na be prosecuted in a local courthouse. I need this to stop. It us harassment.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (KS)

On XX/XX/XXXX I received notification from CRAs that Nelnet reported my loans as being on payment moratorium due to petition for XXXX XXXX bankruptcy. They also placed an old account including derogatory payments from XXXX. This derogatory account was originally placed on my report by my previous loan servicer and was removed from my report about a week ago due to the account being too old to be on my credit report because the missed payments occurred more than 7 years ago. This is the second instance in which Nelnet has ruined my credit by reporting inaccurate information. The first time being XX/XX/XXXX at which point I had to make several phone calls to get a resolution that took more than 30 days. My loans are in repayment and have been since XXXX. Nelnet is also continuing to deduct payments via autopay while reporting delinquencies. They also initially refused my request for help instead opting to tell me to open a dispute with the credit bureaus. My credit is ruined and I am fed up with Nelnets incompetence. have kept my end of the bargain by making all payments on time. I expect Nelnet not to cause me financial harm intentionally or unintentionally. I have kept my end of the bargain by making all payments on time. I expect Nelnet not to cause me financial harm intentionally or unintentionally.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXXXXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$760.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
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: Experian Information Solutions Inc. (MO)

I sent a complaint on XX/XX/XXXX to remove inaccurate items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # 's XXXX, XXXX, XXXX. I am including it again. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$9300.00} XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00}
Consumer complaint received 2016-08-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (TX)

On XXXX XXXX, 2016, we received notice regarding your complaint filed against Exeter Finance Corp. ( " Exeter '' ) through the Consumer Financial Protection Bureau ( " CFPB '' ). Exeter is committed to providing best in class customer service, Today is XXXX XXXX 2016 still not updated or correct for 13 Months now I am Demanding the Exeter Finance remove this from all XXXX Credit Bureaus. Before Legal Action is Taken against Exeter Finance and all XXXX Credit Bureaus
Consumer complaint received 2021-11-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (NJ)

Santander is civilly and criminally liable for fraudulent activity. The consumer credit transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. Santander Consumer, USA did not include my insurance within the finance charge. Not only that, but they also took cash from me, which is unlawful due to the fact that a finance charge does not include cash. They then went on to report to the consumer reporting agencies that I owe this alleged debt. They responded to my cease and desist, but did not complete the demands placed upon them, which are listed in the " fair solution '' section below, as well as, in the cease & desist document, too. This has caused lots of distress, which resulted in a XXXX ( view the medical records below for more details ).
Consumer complaint received 2018-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant Mercantile Agency (CA)

I received a statement from Grant Mercantile Agency on XX/XX/18 stating that I owed {$190.00} to them. The statement date was XX/XX/18. I called my local hospital on XXXX and they informed me that I do not owe anything and they haven't sent any bills to collections. So, I am receiving statements of debt that I do not owe and that do not belong to me. I would really appreciate any help to be rid of this agency that is making up debts in my name that do not exist.
Consumer complaint received 2015-05-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is about Checking account with Bank of America. We ( myself and wife ) have been using this account from past XXXX years to deposit salaries, pay for utility bills, credit card bills and lot of other day to day stuff. One day, without informing us they froze our accounts as they needed more information ( name, address, phone number etc ). Freezing of account occurred during XXXX week of the month - exactly when all BILLS and credit card payments were scheduled. Due to this unannounced freezing, none of our bills got paid and we end up incurring late payment fees and more importantly, affected our credit history. This action not only created payment delays but created lot of unnecessary stress to me and my wife and affected our outstanding credit history.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Experian Dispute Department Re : Formal Dispute and Request for Correction of Credit Report Information Dear Experian Dispute Department, I am writing to bring to your attention several billing errors and discrepancies on my credit report, which I recently obtained. After thorough review, I have identified violations of the United States Code Law, specifically the Truth in Lending Act ( TILA ) under 15 U.S. Code 1666 ( b ) ( billing error ), 15 U.S.C 1681A ( 2 ) ( B ), and 15 U.S.C 1681s2. 
Under 15 U.S. Code 1666 ( b ) ( billing error ), I observed the following errors : The creditor 's failure to properly reflect a payment made by me or a credit issued to me. 
Computation errors or similar errors of an accounting nature by the creditor on my statement. 
Additionally, it has come to my attention that the creditor failed to provide a statement 21 days before the due date, which is a violation of TILA. Consequently, there should be no late payments reported on my accounts, and I demand verifiable proof from the creditor 's bank account that supports any claim of non-payment leading to late marks. 
Furthermore, under 15 U.S.C 1681a ( 2 ) ( B ), I draw your attention to the responsibilities of furnishers of information to consumer reporting agencies, specifically the duty to provide accurate information. It is evident from my credit report that certain accounts are inaccurately marked as late. The following discrepancies need immediate correction : Account : XXXX XXXX XXXX Account Number : XXXX Error : XX/XX/XXXX and XX/XX/XXXX show 90 days late payments, but the preceding months indicate on-time and positive payments, respectively. 
Account : XXXX XXXX XXXX Account Number : XXXX Error : XX/XX/XXXX reports a 30-day late payment. 
I seek clarification on your method of verification and investigation, and I kindly request answers to the following questions : What certified documents were reviewed during your investigation? 
Provide a complete copy of all information transmitted to the data furnisher, as required by the Fair Credit Reporting Act ( FCRA ). 
Details of communication with the data furnisher, including names, dates, duration, positions, and contact information. 
I also request a notarized affidavit confirming the accuracy of the information provided, adhering to my civil rights granted under federal laws. 
Failure to provide the requested information in a timely and detailed manner will compel me to demand an update to " paid as agreed '' on my credit report. The inaccurate reporting has caused significant financial and emotional distress. 
I expect your response within 15 days of receipt of this letter. Failure to do so will prompt legal action, and I have already involved regulatory bodies, including the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.