davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I was approved for a HELOC on our current property. Upon title review, we were informed by our credit union, XXXX XXXX XXXX XXXX, that there was a 2nd trust deed recorded for {$85000.00} HAMP Loan through our service provider, Bank of America on XX/XX/XXXX. My husband and I were NOT aware of this second lien. We were having difficulties back in XXXX paying our mortgage and applied for a modification. We were past due about {$42000.00}. We completed 3 trial payments successfully, then was approved for a modification through Bank of America on XX/XX/XXXX. We DID NOT agree to a lien on our house for {$85000.00} NOR was that amount revealed to us by the bank or on the documents we received. THE SECOND LIEN THEY PUT ON OUR HOME IS DOUBLE THE AMOUNT WE WERE PAST DUE! Due to this 2nd lien, we are unable to access out home equity to pay off emergency bills that we have, we are not able to refinance our mortgage. Bank of America mislead us as homeowners in believing that we were adding the past due amount to the back end of the mortgage. There was NO documentation provided to us or explained to us by the lender informing us of this HUGE lien that we would have NEVER agreed to. We did NOT sign agreeing to this {$85000.00}. We only owed half of that amount. Bank of America fraudulently had us modified our own under those terms. Also, on XX/XX/XXXX, we modified our home again, and no where is this big balloon amount included in the modification. There has to be something done about this fraudulent lien that Bank of American orchestrated through the HAMP program. This second lien should be dismissed and Bank of America needs to be held accountable for this misleading actions that has caused us great stress.
Consumer complaint received 2021-10-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

I am trying to get a short sale approved and had a forebearance approved. Forebearance expired during this time and I had an accepted offer from a buyer dated XX/XX/2021. As of today there has NOT been an approval on short sale due to an appraisal. First appraiser cancelled on the day of, FREEDOM MORTGAGE keeps saying they would escalate and have a BPO done NOW they are saying because loan is USDA it has to be an interior inspection appraisal. No one calls me back I have to have my realtor call them TWICE a week for months and they knew the forebearance was going to expire. It is almost like they let it expire on purpose to make me have to have a foreclosure. They told me I have to be living in home so I can't even try and look for a place to live. I am a senior citizen and my health is compromised. Now that forebearance is expired. The excuse is that an appraiser has not accepted assignment and the one that did could not do it because he did not have credible comparisons.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (CA)

Ok I got an email from Sofi bank stating they we're finally closing my account after two on a half years of keeping it open without any access to my account nor the funds that was still in the account it's been three weeks now and still I haven't seen.nor heard from Sofi bank I'm starting to wonder how many othe people they done this to because they can rack up a great deal of money by defrauding five customer that doesn't stay were there is main branch located just only online access to their company I believe they company should be under investigation for stealing funds from the online customer when they said a check bounce for XXXX they lied and I have proof so what contract did I break when Made a deposit of a XXXX dollars from jobs credit union they said it didn't go threw and when I showed them proof is when I received a call asking me why I had two account later on having cash deposited from my job I accepted two check from my neighbor normally I don't take check but it is my. neighbor buying yard tools from a yard sale I had needles to say SoFi bank said the check for XXXX didn't go threw but I have proof it did My account had none XXXX and some old dollars on it XXXX to start with XXXX check that went threw and XXXX they said bounce immediately they frozen my funds from leaving they account no explanation why months later a woman called me and said the.checks were stolen I have a signed confession from the owner of the check saying the. check we're good and it belong to him also his bank statement showing XXXX and XXXX was withdraw from his account I have been going back and forth with them on this matter for XXXX going on XXXX years and all they said they have to finish there investigation
Consumer complaint received 2023-11-03
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was contacted through my email about a job opportunity where I would be buying supplies and package them to ship to foster care. I was offered {$500.00} as my wage and they will be sending me checks where I would keep {$500.00} and the rest used for supply and shipping expenses. I was then communicated through text messages and emails. They sent me electronic checks ( {$2600.00} ) to be deposited to my bank account ( Bank of America ) which was made available as my balance. Then the scammer told me that the foster care contacted them and said that they cant accept packages right now because of COVID. So they asked me to keep {$500.00} and send out the {$2100.00} to another account which I XXXX out the money through my BOA mobile app to ( I was asked to send to XXXX ) on XX/XX/21. I did as they said. Since the bank made the balance available to me so I thought the check was already confirmed and processed. Later on, the bank rejected the check and I couldnt get my money back. I contacted the bank right away after the check was rejected but they said they couldnt do anything other than filing a claim and contact XXXX. I called many times throughout 90 days ( thats the days the bank said how long it would approximately take for them to decide if I can have my money back ). As a result, the bank told me that I can not get my money back. I asked for contact information in hope that maybe I can talk to XXXX myself but all I get from XXXX is auto messages that says to contact the bank. So thats what happened and I never got the {$2100.00} back.
Consumer complaint received 2018-12-15
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: Experian Information Solutions Inc. (IL)

There's currently two accounts on my credit report inwhich the contract has been cancelled, I absolutely have no contract nor obligation to the following company, ( 1 ) XXXX XXXX XXXX, XX/XX/2018, {$130.00}, {$150.00}
Consumer complaint received 2021-10-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (IL)

I visited the emergency room on XXXX. I was insured by XXXX XXXX. The emergency room physicians group ( XXXX XXXX XXXX ) has a had a problem trying to collect from XXXX XXXX. XXXX XXXX keeps denying the claim. XXXX XXXX XXXX wanted me to contact XXXX XXXX to get them to pay the claim. I can not force XXXX XXXX to pay a claim, and furthermore I have never been contacted by XXXX XXXX regarding this claim. All of this has been stated to XXXX XXXX XXXX in previous letters. XXXX XXXX XXXX has now sold the debt, which is not due from me to Pendrick Capital Partners, which is trying to collect the amount through XXXX XXXX XXXX. This is an attempt to collect a debt not owed. Rather then take the correct action to collect the debt, XXXX XXXX XXXX and Pendrick Capital Partners, have fraudfently tried to collect a debt from me that I am not liable for.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

XXXX  XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX {$3000.00}, XXXX XXXX XXXX XXXX {$27000.00}, XXXX XXXX {$460.00}, XXXX {$2000.00}, XXXX  XXXX {$1400.00}
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
XXXX Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 
The inaccurate reporting of both my account status and payment status by ( XXXX XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I believe I'm being defrauded of my property. Telephonic attempts have been denied and a late fee was added immediately upon their loan takeover even though their lack of preparedness caused them to be unable to take a payment because they could not find my account. They've denied me a loan modification telephonically. So I am now restricting communications to written communication. I believe they are a predatory company fully intent on defrauding me of my property. I don't make this accusation lightly, but based on their actions.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (IA)

I first wrote a letter to all credit bureaus back in XX/XX/XXXX, the wrote back saying all the information on my report were correct. I called on XX/XX/XXXX to dispute the items on my credit report, it was " fixed '' the wrong names was still showing when I asked them to remove it and only shows the correct information, as well as other collections that should've been removed. One rep even told me they can not delete my address because " it part of my history ''. my address is not public record for others to see. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 2022-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Receivables Group, Inc. (TN)

I have a total of 5 accounts for medical bills with Healthcare Receivables Group. I attempted to pay off two of these accounts, and have those two accounts removed from my XXXX credit report. I was told by the supervisor, XXXX, that the policy with the company was they would not report those accounts as paid in full to the credit agency until I paid off all 5 accounts. I do not feel this is a fair practice as each account was put on my credit at different times, each account has different dates of service, and different amounts. This company has already closed all 5 accounts on my XXXX score even though they are not paid in full. I want to file a complaint because I feel a debt agency should not hold my paid in full accounts " hostage '' for me to pay the entire amount that is owed. Points were deducted from my credit score for each account, so each account that is paid in full should then be submitted back to the credit agency to increase my score.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

I currently have two accounts in question. The first is my XXXX account with XXXX XXXX XXXX and the second is my XXXX Account. My XXXX  account has been opened several years. The account was on my credit report, but Experian deleted it for no reason. Experian refuses to report my information. I have contacted XXXX and they have informed me that the information is being reported. It is being reported with the other two credit bureaus. In regard to my XXXX account it has been opened since XXXXXXXX XXXX. It is being reported by the other two credit bureaus, but Experian is not reporting my information. XXXX has confirmed that they are reporting this information every month. Experian will not report this information.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-06
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: Maximus Federal Services, Inc. (PA)

Late Payments Were Put Onto My Account whenever I Was Enrolled In School. These Need Removed. Ive Contacted Both Loan Providers By Phone, Mail And Email And got Nowhere With Them. They Said They Were Supposed to Be Removed Yet They Remain And That Was From Several Years Ago Now.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

To Whom It May Concern : I have been with American Express for 26 years. I had to leave the country to take care of my father who had passed away and in the interim I had to deal with two other deaths in two months apart all of them. 
I could not make the payments from overseas. 
American Express started to give me a hard time in 2021 and I tried really hard to make the payments to American Express. They were very rapid at closing my accounts and not giving me access to their website to make payments. They sent me to collections immediately and had three different places trying to collect the payments. One was from American Express and two different law firms. I tried to call American Express and they refused to talk to me and said the accounts have been closed that I should refer to the law firms. I tried really hard calling multiple times calling the law firms in which they didn't know what accounts they were collecting from and for what amounts. In addition what was the APR. I looked up their background and they had a very poor rating. Soon after I left messages for these firms I started to get texts to click on links and also get fraudulent emails. They were trying to hack me according to XXXX. This was very concerning and I said to American Express that they were the only company that didn't allow me to pay them directly or allow payment. This continued for months to the point where I sent an email to the CEO of American Express in which I had a correspondence and he said he was going to look into what was happening. I never heard back from anyone. I did a follow up and then a different person answered saying that I should deal with other law firms. Because of the amount of time they allowed to transpire they have hurt my credit and my XXXX score. They have charged off my accounts and hurt me drastically since my longest standing record was with American Express. Up until now they continue to delegate fraud and collect money and not show any balances because I have XXXX access to American Express. It all has caused stress, XXXX, physical health and time away from work. I hope someone could help me. P.S. I would rather not attach the email from the CEO but I will provide it privately.
Consumer complaint received 2018-12-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo failed to review information as provided regarding a personal loan. When challenged, under-writers within the company made sure the re-review was 'in-house ' to prevent a correction in the decision. This is a part of a bigger and known problem with Wells Fargo and their unfair lending practices.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (NJ)

Multiple incorrect addresses showing on my credit profile 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX only address that should show is : XXXX XXXX XXXX XXXX, NJ XXXX **In addition hard inquiries not made by myself : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX In addition : XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission
Consumer complaint received 2021-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (NJ)

Dynamic Recovery Solutions they continue to call my personal cell phone. I have no outstanding debt for whatever it is calling about. I didn't go into conversation. I only have one outstanding debt with a student loan which it in forebearance and not negative at this time because I am XXXX.