davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Point Digital Finance, Inc. (FL)

In the third week of XX/XX/XXXX, I applied for an Equity Investment Agreement loan with Point Digital Finance Inc. I was provided an Option Agreement Estimate based on the company 's Original Agreed Value of my property at {$370000.00} with a equity pay out amount of {$88000.00} prior to closing costs pending an appraisal. Point 's automated valuation models ( AVM ) listed an Appraised Value of {$450000.00}. The property was appraised XX/XX/XXXX. After multiple attempts to inquire on the delay of the appraisal results, the appraisal was submitted to Point on XX/XX/XXXX. The appraisal came back considerably lower than the initial valuation at {$360000.00}. I was informed by Point representative, XXXX XXXX, via email that Point offered the appraiser ( 7 ) seven additional comparable properties in my area for inclusion to the appraisal report to increase my property valuation. The Point representative, XXXX XXXX, informed me the appraiser rejected Point 's request and therefore my application was declined. I acquired another third party appraisal because the initial one was so delayed. I inquired why they did not acquire a second appraisal? I was given no reply. I felt, based on comments by the Point appointed appraiser when on our property, that she may have a XXXX bias and submit a lowball appraisal of our property. I desired to have a comparison valuation to see if my suspicions were valid. A complete and comprehensive appraisal completed XX/XX/XXXX by XXXX XXXX XXXX showed our property value assessed via AVM at {$480000.00}. And that was based on the County Assessor 's square footage of 1215 and not the full 1882 square foot as specified in the Point appraiser 's calculations. A XXXX representative, XXXX XXXX, also performed a detailed onsite inspection and confirmed the property 's value was easily near XXXX XXXX in value. The appraisal completed by the Point contracted XXXX excluded 2 comparable home sales directly across the street from our property whose sales took place within the last 6-7 months. I informed XXXX XXXX of Point of this. I feel the appraiser concentrated her comparable properties to areas that reflect lower sales prices and a XXXX and XXXX demographic as opposed to including properties within a 1-3 mile radius of our property that reflect a higher XXXX demographic and much higher home values/sales. I also feel the Point 's appraiser 's use of the Cost Approach and the replacement value did not reflect the current market rates for construction materials, construction fees, etc. and was severely under valued and a poor reflection of our property and the improvements made therein. I also hold Point culpable, since they refused to perform a second appraisal and denied my application even though they obviously disagreed with the results of the appraisal report they originally contracted for.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. the INQUIRES listed below in the SECOND paragraph have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The Following inquiries are unauthorized. 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
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute CenterXX/XX/XXXX XXXX XXXX, PA XXXX To whom it may concern, I am writing to update my personal information. There are some mispelled incorrect names that are on my credit report and there are some fraudelant addresses that I've never lived. Please remove all fraudelant addresses and all incorrect mispelled names. The incorrect information is as followed. 




Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Correct Address : XXXX XXXX XXXX # XXXX XXXX MA XXXX
Consumer complaint received 2022-07-28
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. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (AZ)

This is regarding a Goldman Sacs credit card - An Apple credit card. 
On my statement, covering the period from XX/XX/XXXX to XX/XX/XXXX, XXXX = Prior monthly balance, XXXX = payments made on this statement, XXXX = new transactions made on this statement, XXXX = transaction for installment payments ( for XXXX  products ). 

New balance end of XX/XX/XXXX should be : XXXX ( XXXX less XXXX plus XXXX plus XXXX ). 
XXXX - what the statement states as the balance for XX/XX/XXXX. 

I have disputed this 4 times, 3 times with a supervisor. 
Each time the rep on the phone agrees the numbers were incorrectly calculated. 
Each time the department that responded to the dispute says the numbers are correct. 

The latest response was : You contacted us on1/28/2022 regarding your XXXX statement balance of {$530.00}. Your dispute has been resolved. Your balance is made up of card purchases and returns, payment activity, monthly installment due and any interest charges. Your beginning balance was {$1200.00} plus purchase activity of {$420.00} and payment activity of XXXX plus installment due of {$52.00} plus interest of $ XXXXwhich matches your total balance of {$530.00}. As a result, no further action has been taken. 

A bank that can't do simple math is a big problem. The reps I talk to ( supervisors at the call in center ) say the response above is from someone " above '' them.
Consumer complaint received 2021-01-24
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$230.00}, {$230.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$230.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$230.00} -This is not my account.
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (CA)

I HAVE REQUESTED OVER AND OVER AGAIN THAT THIS NEGATVE INFORMATION BE REMOVED. I HAVE ABSOLUTELY NO KNOWLEDGE OF THIS NEGATIVE ACCOUNT, AND THE INQUIRY THAT WAS PLACED DUE TO THIS NEGATIVE ACCOUNT. I HAVE FILED ANOTHER POLICE REPORT ON MY BEHALF DUE TO THIS INFORMATION THAT IS BEING NEGATIVELY REPORTED AND HINDERING MY FUTURE. THIS HAS RESULTED IN A CREDIT INQURY AS WELL.
Consumer complaint received 2021-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

On XX/XX/XXXX, XXXX payments were processed by XXXX in the amount {$250.00} each. One payment was for the month of XXXX, the other was for the month of XXXX. Because these were both processed in the month of XXXX, FedLoans is alleging that no payment was made in XXXX, and that all payments made in the months that followed were considered delinquent. Ive reached out to representatives at XXXX directly. Their records show the two payments in question counting towards the proper months and theyve confirmed that my account has never been delinquent. FedLoans claims this negates payments I made on-time and in-full, spanning from XX/XX/XXXX until XX/XX/XXXX. 
During this time period, similar situations occurred in XX/XX/XXXX and XX/XX/XXXX, where two payments drafted in the same month were posted in XXXX records for two separate months. My XXXX records show two sets of {$39.00} and {$210.00} payments on XX/XX/XXXX and XX/XX/XXXX that count toward XXXX and XXXX of that year. Records show similar sets of payments on XX/XX/XXXX and XX/XX/XXXX. According to XXXX these counted as my XX/XX/XXXX and XX/XX/XXXX payments. 
For the period spanning XX/XX/XXXX to XX/XX/XXXX, XXXX determined that I did not have to make payments, based on my income-based loan application for that year. The attached XXXX records show {$0.00} payments each month and no delinquency or late fees associated with this time period. 
FedLoans is also alleging that no payments were made during the span from XX/XX/XXXX to XX/XX/XXXX. Ive attached bank statements from all XXXX months showing the withdrawals from my account. For XXXX, XXXX, and XXXX, Ive also attached screenshots of the payments shown within my XXXX online account. In XX/XX/XXXX I began the process of transferring my loan to FedLoans in preparation for student loan forgiveness. My bank statement shows that XXXX withdrew a payment on XX/XX/XXXX in the amount of {$2400.00} despite the fact that my online account does not show it. In my contact with the XXXX representative, they assured me that this payment was indeed transferred to FedLoans and that it would count toward the student loan forgiveness program. 
All of the above was discussed directly with FedLoans in XXXX and XX/XX/XXXX and a request was made that they recalculate my student loan payments. This is still in review. By my estimation I will have made 120 qualifying payments to my student loans in the next couple months and should be eligible for loan forgiveness at that time.
Consumer complaint received 2020-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

My credit report shows a hard inquiry from XXXX XXXX on XX/XX/2020 that I do not recognize. I would like this removed from my credit report. 

Thank you.
Consumer complaint received 2022-07-09
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. (TX)

I sent this letter on XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX Acct # XXXX ) on the date of the last activity section. Transunion is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. 
XXXX XXXXXXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Credit Line Credit Line Credit Line Account Type - Detail : Line of credit Check credit/Line of credit Line of credit Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5000.00} {$5000.00} {$5000.00} No. of Months ( terms ) : 0 0 0 High Credit : {$0.00} {$0.00} {$5000.00} Credit Limit : {$5000.00} {$5000.00} {$0.00} Past Due : {$5000.00} {$5000.00} {$5000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Line of credit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/2022 Bank of America put my second mortgage into foreclosure. After many hours on the phone with multiple people and departments, I received conflicting information from each person and each department, often within the same department. On XX/XX/XXXX I was served papers from Bank of America 's outside law firm XXXX stating my home will be auctioned off on XXXX XXXX XXXX. I've also been told that my account is in Bankruptcy. I've also been told that my account is pending for Modification review. Today I was told my account is NOT in bankruptcy. My account is not in review for Modification ( it was denied ) due to Bank of America stating the rent I'm receiving from my spouse was for another property. I don't own any other property. I wrote a letter explaining the income I ( rent ) receive from my spouse. Today I was also informed they have no knowledge of my home being put up for auction. They have no record of it. When they said they will check into it, they said they have 30 - 60 days to review. My home will be auctioned off before then. I will lose my home before they correct their serious egregious error. I've been trying to work out arrangements with them. I've been calling them and reaching out to them. I 100 % admit I am behind. I also admit I want to keep my home, and have been proactive in attempting to resolve this, with no resolution from Bank of America. Someone there is auctioning off my home in 5 weeks, but they don't know who? Please help me to resolve this. I want to continue making payments. I have been paying. I don't want my home auctioned off. There is no consistency at Bank of America. They are seriously dropping the ball often within the same department.
Consumer complaint received 2020-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (WA)

I have a mortgage through Chase. On XX/XX/XXXX I logged into my Chase online account. I was intending to pay my XXXX mortgage. It was at this time that I realized I had not paid my XXXX or XXXX mortgage. It is a very small mortgage on a piece of vacation property that we own and somehow it slipped my mind in the chaos of the pandemic. However, my complaint is that Chase never contacted me to notify me that my account was delinquent, either by email, regular mail or telephone. 

I paid the full amount past due and contacted Chase. They told me that they had tried to call but did not leave a message because they are not allowed to under the Telephone Consumer Protection Act. I explained that I can not answer numbers I do not know, but I return phone messages. Chase said they will not leave a message because of this law. They said that I had elected paperless statements in XXXX. Chase said that my statement should have alerted me. However, I have never received an email with a paperless statement. In any case, with the election of paperless statements, I was supposed to still receive tax statements and notices and letters in paper in the mail. I receive tax statements in hard copy paper format. However, I have never received a notice except for advertisements. 

I asked the representative if Chase sent me a notice/letter of delinquency. Chase did not send me a single notice of delinquency. The representative said they sent me a letter notifying me of pandemic assistance. However, this notice did not advise me that I was delinquent. It appeared to be an advertisement from Chase at the time for a pandemic program because it was not specific to my account. The representative of Chase said they would have notified me via mail when they foreclosed on the house.
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$20.00}, {$1600.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

Enclosed is a copy of my Identity Theft Report supporting my position. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Consumer complaint received 2020-09-15
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: CCS Financial Services, Inc. (SC)

On XX/XX/2018 CCS Credit Collection added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA CCS Credit Collection has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2020-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$20.00}, {$1600.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- XXXX ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.