davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (VA)

Our loan is with XXXX XXXX Bank. We were on Covid impacted forebearance from XXXX 2021 through XX/XX/2021 for a total of 9 months. 
We were approved for the XXXX payment deferral at the end of our forebearance of 9 months. 
However, XXXX did not calculate the the XXXX XXXX XXXX accurately. On my monthly statements, the amount of the interest bearing XXXX is actually the XXXX XXXX. This means I now, per XXXX of PA, owe them the forebeared amount as well as the Gross XXXX so I am paying my suspended payments twice instead of once at the end of the loan. The amount of XXXX on the first statement after our foreberance ended is actually the forebeared XXXX plus the interest bearing XXXX. Furthermore, because the forebeared XXXX has been added to my interesting bearing XXXX, interest is accruing on the incorrect amount, and the amortization is not the way it should be and my excess to principal monthly from my monthly payments since XXXX XXXX through XXXX XXXX has been calculated incorrectly. 

I have attached my account activity from - - please see the calculations- and you will see the forebeared amount being added to XXXX and then subtracted again. On my statements, you will the XXXX is actually the gross XXXX and the forebeared amount a couple of lines below - reflected that I owe both. My unpaid principal balance when I went on forebearance was {$95000.00} ( attached XXXX 2021 statement ). XXXX ended XX/XX/2021. We were off forebearance and were approved for Covid payment deferral - I made our first payment after forebearance ( {$820.00} on XXXX ) and after principal was deducted from that payment, the XXXX is {$95000.00} - which is actually the Gross UPB of {$95000.00} ( not the XXXX XXXX XXXX ) minus principal from the XXXX payment of {$140.00} ( also attached ) At this point, I am not even sure that the escrow shortage amount I paid in XXXX 2021 ( XXXX ) and my forebeared amount are accurate and/or have been calculated and credited accurately. 
XXXX of PA needs to recalculate all of the amounts ( forebearance XXXX, Gross UPB, escrow shortage, escrow owed, what and how what I paid has been credited or applied ) provide me with the amortization to review amount of forebearance. There are many calculations, debits, and credits that don't make sense. 

I have attached the activity on my account and you can see the where they added a forebearance amount to the Gross UPB then subtracted it and determined that result to be the XXXX. A lot of the calculations don't make sense- so I am also concerned regarding calculations of all amounts. I would like to provided the amortization schedule and have all amounts reviewed with me as they are recalculated. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I have tried to do a Harp and was told repeatly forms was missing. I was going into forclosure and filed bankruptcy 2012? After the bankruptcy I did not know that my adjustable mortgage had ended and I was still paying interest only, about four months had passed an I was told I had to pay the full amount. Now I was behind in my payments. In 2012 I was on workers ' comp, and did my modification and my payments increased. After paying bills that comes with the house, like gas, electric and water and garbage and my cell phone bill it left me without any savings. I had to borrow money to live, I have written letters stating that NationStar Mortgage had my income verification wrong and my payments should not be more, for a modification that turn into a interest-free forebearing and a ballon payment and for years I have not paid anything on this forebearing. NationStar/Mr. Cooper just added the interest free forebearing to my mortgage the forebearing is mostly attroney fees, I could have made the full payment, but they would not accept any payments before the modification started. This is my second compliant.
Consumer complaint received 2022-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX  placed a collection on my credit. It showed up on Transunion XX/XX/XXXX ( score increased by XXXX ) which made no sense-I called XXXX XXXX and first rep who could not locate the account told me to file a dispute, so I did. I called back after thinking about what she said and asked for a manager-he located the accounts, and I paid the balance XXXX in full. on XX/XX/XXXX my score went down again by XXXX pts and note by transunion said no change. XX/XX/XXXX score went up XXXX pts as XXXX XXXX  marked collection as paid in full. The dispute I filed ( mentioned above ) was completed on XX/XX/XXXX and the collection account was deemed valid with a balance of XXXX in error and my score decreased again by XXXX points. I contacted transunion they told me to contact your office-I also XXXX XXXX 2 times and they advised it was an error and they would remove it. So finally, transunion removed it and my score went down again by XXXX points note listed account collection removed. I have not been able to resolve this and I feel the point calculations are unfair and inaccurate. I need help please
Consumer complaint received 2021-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (IN)

We received a statement showing we had not returned all the frontier equipment.. We have Proof from XXXX Showing a drop off package receipt that the equipment was shipped out on on XX/XX/2019. Shortly after we received another statement showing they still needed the equipment back. We have spoke to them And sent in proof of the receipt and they said this would be all taken care of and it would be noted on the account. We recently had our credit ran and it is still showing as a unpaid balance. This money is not due And the account should be settled with a XXXX balance.
Consumer complaint received 2022-02-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

I receive repeated calls from Portfolio Recovery Associates. They call from a different phone number every couple days. I almost always answer the phone and I am greeted by someone telling me their name and asking me to verify sensitive information like address, date of birth and social security number. I then ask who they are and what company they are calling from to make sure I am not giving my information to scammers. The majority of them refuse to tell me what company they are calling from. I then ask why they are calling but they say it is about a personal matter and refuse to give more details until I give them my sensitive information. Several others tell me the name of the company, to which I verify the information and we continue to have a conversation about the debt. I then explain to these folks that I was laid off from work and have had difficulty finding another job due to my specialized industry. I even cried to one of the operators about the trouble I have had over the last 2 years. The other operators have also said they understand the circumstances why I can't pay or make payment arrangements but some have gone as far to ask me if I have family members that can help me out. They also say they will make notes on my account so I do not receive repeated calls but I receive more phone calls just a few days later and have to go back through this same process again with someone else refusing to tell me who they are or why they are asking for my personal info. This has been going on for at least 6 months now and the phone calls average twice a week and always from a different phone number. I have repeatedly asked them to stop the calls and I will be in contact as soon as I can make some kind of arrangements. The only relief I have had was from the operator I cried to. After talking to him, the phone calls stopped for a couple weeks. The phone calls resumed about 3 weeks ago and its now back to the same issues at least twice a week with someone asking for my info while refusing to identify why they are calling or the company they are calling from.
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ADP Inc. (MA)

I was hired by my employer in XX/XX/XXXX. I set up a direct deposit from my paycheck to a XXXX XXXX XXXX  on XX/XX/XXXX. Unfortunately, I did not keep an eye on these transactions and lost tabs on if the money made it to the account during the following pay periods. Fast forward to XX/XX/XXXX and I realized the XXXX account I set up did not have the amount of money I thought to be in there. I stopped all transactions at that time. After speaking with XXXX, they confirmed the account was set up but no transactions occurred. After speaking with my employer 's HR, they contacted ADP ( only employers can speak with ADP ) and it began a ping pong of me going between all parties to locate my money. I spent countless hours on hold, waiting for responses, sitting in XXXX branches, follow ups, etc. We were able to locate the money, where it remains, with XXXX in a " lock box '' account which belongs to " XXXX '' which is a XXXX XXXX XXXX. Due to the fact that I do not have a XXXX  account, I can not be tied to this lock box and thus can not recover the funds. ADP has refused to do a trace and recall because the transactions are " more than 60 days old '' ( XXXX advised me this is illegal and ADP should have many years of records ). My employer doesn't see how they can help me at this time and refused to assist further. I have documentation of my dialogue with my employer 's HR, confirmation of account set up, and tracing numbers of deposits that are linked to XXXX and the aforementioned " XXXX ''. I am in need of a resolution as this has been mentally draining and time intensive.
Consumer complaint received 2022-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This complaint is formally made against Bank of America ( " B of A '' ). B of A has committed UDAAP violations, did not properly apply my mortgage payment, may have damaged my credit, improperly charged late fees, and misrepresented what will happen with my loan after the Cares Act forbearance has ended. 

Here are the facts. My wife was laid off as a result of the Covid-19 pandemic and I asked B of A to provide me with a forbearance. I specifically informed B of A at the time that I did not want a balloon payment at the end of the forbearance and wanted my maturity date to be extended the same length as the forbearance. I was informed by B of A that I will obtain a modification after the forbearance terminates that will extend the maturity date. 

In XX/XX/XXXX, instead of a loan modification agreement, I received a balloon loan agreement from B of A. I called B of A because my forbearance was ending in XX/XX/XXXX and I did not want the forbearance period to be placed at the end of the loan as a balloon payment ; I wanted a loan modification. B of A 's representative informed me that she will send me the loan modification paper work. 

I never received the paperwork and I paid XXXX 's mortgage payment on time. 
My mortgage statement showed that I have not paid for the XX/XX/XXXX mortgage payment. 

On XX/XX/XXXX I called B of A and the representative told me that the payment was applied to the XX/XX/XXXX periodic payment and not the XX/XX/XXXX periodic payment! She also informed that that she will send the loan modification paperwork but I will also have to provide financials. At no time did B of A mentioned that I had to provide financials to see if I qualify for a loan modification! 

On XX/XX/XXXX, I received another Balloon agreement and not a loan modification! 

I want the CFPB to investigate the unfair and deceptive practices of B of A because they are harming me and thousands of other borrowers who obtained a forbearance during the Covid-19 pandemic and are forced to sign balloon agreements or face dire consequences ( applying payments to the XXXX periodic payments and effectively harming credit scores ). 

I also want what B of A promised and provide me with a loan modification ( without financials ) which extends the maturity date the same amount of time as the forbearance, reverse the late charges, and ensure my credit report is not harmed by not applying payments appropriately.
Consumer complaint received 2022-08-15
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: Conn's, Inc. (TX)

Back in XXXX, I came to discover that my identity was stole and used to open several accounts under my name and SSN. That is when I checked my credit report and found that a Conn 's Appliance account was opened using my name/SSN, on XX/XX/XXXX. I have since disputed this account to be take off several times with XXXX, XXXX XXXX XXXX. I even sent a letter ( XXXX ), along with the police report, identity theft report and my driver 's license as proof of my identity. The reponse I received via XXXX was that the account is mine therefore it will not be removed. This reporting is severely messing up my credit. The other accounts that my name/SSN were used to open, those companies responded right away ( XXXX XXXX XXXX XXXX XXXX XXXX and promptly removed those accounts from my report. Conn 's refuses to take notice of the evidence I provided and remove these fraudulent charges off my report.
Consumer complaint received 2022-02-13
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-09-23
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. (IN)

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021 and XX/XX/2021. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2021-09-23
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: EQUIFAX, INC. (AL)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2022-02-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

When Covid-19 came they didnt have any help with making my account to stay in good standards it was very hard maintaining bills and they didnt do anything to help with my payments customer service was very rude and barely wanted to assist me with my debit ask to speak to managers and no one in management wouldnt help as well this is something I could afford I didnt have a job once XXXX hit I had been XXXX  and literally no one would me at all I need this account dispute off due to no help or communication skills as a agency
Consumer complaint received 2022-12-15
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. (CA)

On XX/XX/XXXX, I sent a letter to Equifax stating they have violated my right to privacy in accordance with 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

After showing that even XXXX XXXX found that the information was found to be unverifiable and moved to delete it from their record. Where then does Equifax gets its verification from to willfully be non compliant? This has caused me great hardship.
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (CA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XXXX I sent a letter regarding inaccurate late payments on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes to verify incorrect information. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every month and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2022-02-14
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. (PA)

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/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2022-02-14
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. (TX)

Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following inquiries as it appears on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank - XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX