davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/19 I went to the Navy Federal in Va XXXX ( NMLS XXXX ) to complete my loan application ; I gave them all of the information they needed except for a ratified contract because we were still waiting for it to be signed and finalized ; I was expecting for the application to be submitted with the property to be listed as TBA ; I took a copy of my ID, my income information, my social security card, my tax returns and copies of my bank statement. The agent took all of my information ran my credit and informed me what my rate options were, she also let me know that the loan can not go over 5 % over the life of the loan. After discussing the different rates available I decided to select the 3/5 ARM with a 3.25 % interest rate that would cost 1.25 % discount. I was given a pre-approval letter and left the bank happy. On XX/XX/19 I reached out to the LO assigned to my loan to let her know I had uploaded a few additional documents that were requested ; I also asked her to confirm that I was getting a 3.25 % interest rate at with a 1.25 % discount, the LO responded back on XX/XX/19 and it was at this time I was informed that my rate will be a 4 % with the same discount charge of 1.25 % ; I reached out to the bank and requested to speak with a supervisor who initially referred me back to my LO ; I then asked for someone above the supervisor to call me which they did ; the XXXX, XXXX, reached out to me and let me know that the information I was given was incorrect and that nothing was signed on the day I did the application so the rate was not locked ; I was also advised that my credit score did not qualify for the rate that was given to me even though the rate was discussed after my credit was ran and evaluated. After speaking to the XXXX a person from the Navy Fed call center called me and gave me the same information, she even went belittled me by asking " do you feel like you have A tier credit sir? '' She had mentioned to me that one of my scores was a XXXX and that the scores I had feel into the B tier ; after speaking to her I inquired about the LE, it was at that point I found out that the max rate can be a 9 % not 5 %. I believe as a consumer we should be given fair and accurate information and if a rate was discussed then it should be honored. .75 % is a lot of money over 30 years and to be mislead on information like this should be a serious matter.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, DOB XXXX SS XXXX XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2019-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

This complaint is much more than " Disclosure verification of debt '', " Not enough information to verify debt i.e. amount of debt & name of creditor ''. 1 ) Portfolio Recovery Associates has never properly verified the debts in dispute. 2 ) Portfolio Recovery Assoc. is a collection agency / junk debt buyer. Yet, they continue to report the the two accounts in dispute as if the accounts were open revolving credit lines. Portfolio Recovery claims, on each credit report, that they are a " Factoring Company '', which they are not. Portfolio Recovery is reporting " Terms '' on each credit report. They have been doing so since the original creation of each account. A collection account does not have terms. I have never entered in to any agreement or contact with Portfolio Recovery. They also are reporting a " Failed to pay '' and Past Due amount. In addition, they report a " Payment History ''. Collection accounts should not have a payment history. I do not have any revolving/installment accounts with Portfolio Recovery Assoc.. 3 ) I have disputed each of the accounts with the three major credit bureau 's several times. Portfolio Recovery knowingly is reporting incorrect / false information to each credit bureau. They bought each of the disputed accounts after each account was in serious default and charged off by the original creditors. Portfolio is falsely reporting as a factoring company, they list a past due balance as if these are installment/revolving accounts. Portfolio is negatively affecting my credit reports scores due to their false reporting. I expect full, permanent, deletion of each of the disputed accounts from XXXX   XXXX, and XXXX. Per FCRA, page 85, section 623 ( b ) ( 1 ) ( E ) ( ii ) '' delete that item of information ; or '' ( iii ) " permanently block the reporting of that item of information '' Acct. # 1 : Portfolio Recovery Associates, LLC. Original creditor is XXXX. Alleged balance { {$680.00} } Acct. # 2 : Portfolio Recovery Associates, LLC. Original Creditor is XXXX XXXX. Alleged balance is { {$460.00} }
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. 

XXXX XXXX XXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (NY)

Hello my name is XXXX XXXX, 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible, this inaccurate information is preventing me from purchasing a home for my daughter and I.
Consumer complaint received 2021-08-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

Convergent Outsourcing has continued to report a debt on my XXXX credit report listing the original creditor as XXXX for a balance of {$660.00}. I mad 2 requests to VALIDATE the debt as belonging to me via certified USPS. On neither attempt did Convergent Outsourcing respond to my request within 30 days of receipt of the request. I then made an appeal to the credit bureau to delete the account from my report due to the failure to validate the debt. At that time XXXX  and XXXX  removed the item however on the XXXX report, Convergent Outsourcing replied with a note to call them directly. My requests for validation in writing have gone unanswered and yet they continue to report to XXXX hampering my ability to financially secure my future.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed several items with each credit agencies snd the information still remove two accounts on my report should be removed because it was requested by both companies to be removed XXXX  and XXXX  REQUESTED TWO FILES BE REMOVED YET XXXX  XXXX  AND TRANSUNION ARE NOT ABIDING THIS IS ONGOING AND MY SCORE IS NOT BEING RAISE CORRECTLY I am at a point to seek counsel because for years I have kept record of the mis information XXXX DELETED ASAP XXXX DELETED ASAP THEY ARE NO BALANCES ON THOSE ACCOUNT
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avadyne Health Holdings, Inc (NJ)

XXXX XXXX has ignored all my certified letters disputing the amount in question ; all my phone calls and certified letters were fruitless ; I disputed my bill and provided proof ; the hospital ignored me and sent me to collections. On XX/XX/XXXX I disputed the collection letter and amount ; my insurance company is doing an audit and they are looking into the bill the hospital claims that I owe ; the hospital did not bill me accurately for services rendered XXXX XXXX. I do not owe the amount on the bill and the hospital did not do everything on the detailed bill. An example, I did not get a XXXX  but they are charging me for one not once but twice - I have a duplicate bill for the XXXX  department.
Consumer complaint received 2022-10-12
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)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have multiple late payments due to financial hardships in XXXX that have yet to have fallen off my credit report. I was a new worker with XXXX  stress due to my personal XXXX  disorders. I had been laid off and had some immense struggle finding new work, as well as family issues. It was truly an awful time. I am really sorry about my lack of communications due to my XXXX  and so greatful that CapitalOne gave me a chance despite such egregious late periods. I would like to request that due to my 6, going on 7 years of never missing a payment with CapitalOne that you guys please remove those late payments. I have turned over a new leaf and would like to ask for a good-will letter to understand why that happened, get back in good graces with you guys, and remove these awful marks from my credit report. 

Additionally, I would like to improve my cards with you guys. I have 2 cards and have for years, but one has a nasty annual fee. I'd love to see about removing that AF, or even a product change. I haven't had much luck with customer support about improving these cards, mostly due to the score hit from the mentioned above.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I am not a third party ..... 

I have filed a complaint and due to that complaint my credit report is not reported properly it was not investigated properly because how could it be investigated properly when I alone looked at my credit report and found at least 18 violations now I read a few laws and seen that everything is supposed to be 100 % accurate on each credit file now due to that my credit is still not where it should be it and it is hurting me more now for that up for whatever reason I would like my credit report revised and fixed. Now I would like all errors violations fixed and compensated for all violations.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

the Eviction history that is on my record should be empty due to the cases being dismissed, per the Judge noting should be on my Eviction history report because the cases was dismissed the company name is XXXX XXXX XXXX XXXX. Again the cases was dismissed they should not be reported at all. this is consumer Fraud because the case was closed and not to be opened nor shown on any record.
Consumer complaint received 2021-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose and others. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2019-10-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CT)

Dear Attorney General, PHH Mortgage, formerly Ocwen is the service provider of my mortgage relating to XXXX XXXX XXXX in XXXX, CT. For several years Ocwen mishandled my  mortgage and has caused me extensive amounts of suffering, lost work, stress, anxiety and financial loss. My most recent situation is pertaining to both a loan modification request and an insurance claim which calls for repairs on the home which need to be completed before the property can be rented. The rental payments are normally transferred over to the mortgage companies for the mortgage payment and I keep {$0.00} of those funds for myself. PHH is a very fragmented organization with phone support spanning across the globe thus resulting in a great deal of misinformation and extremely confusing and inaccurate information being communicated, captured and processed by each of the members of there support team. I have documented the plethora of mistakes made by the company which have resulted in continued delays and strains on me as consumer/borrower. Each and every time I speak to someone at PHH regarding the status of an insurance check which I have requested an exception to complete private repairs ( as they are all surface level updates such as laminate floor replacement, floor refinishing and general cleaning, PHH presents a NEW or additional reason to reject the claim based reasons never before communicated, thus causing me to work more for theam, spend more time out of my life as single father and also prove to them that they have made MORE mistakes regarding my account - all of which they have admitted to and simply apologize for after all is said and done. This has held me in a constant cycle of producing, sending and following up repeatedly on each task they assign me, only to be rejected again for another reason or because their company made an error in processing my requests ... such as indicating that I have a dispute with XXXX XXXX, which I have never communicated with or had any relationship with at all - resulting in 3 hours out of my day trying to convince PHH that the information in their system regarding XXXX is complete false. Then I am told they need to resubmit the request and it's been another week out of my life waiting and following up so that they can then again reject the request for another, never before communicated reason which demands an inspection on the clean up steps I carried out with the original distribution. I know foreclosure is likely looming and PHH has made it IMPOSSIBLE for me to complete the steps necessary to prevent foreclosure and ultimately resolve the issues for both myself and PHH Mortgage.
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I am trying to get my mortgage loan servicer to follow the XXXX XXXX XXXXXXXX XXXX that they themselves have attempted to quote for the reason they have denied my PMI deletion requests. I am trying to get PennyMac, my loan servicer to follow through with PMI deletion based on current market value of my home, utilizing a BPO for my home. They keep rejecting my claims, saying it does not exceed the requirement for original market value andor claiming i am citing repairs to my home instead of improvements. i have made ~ {$6300.00} in improvements since closing on my home and they are claiming they are repairs or " not significant enough ''. please help me get them to remove my PMI on my loan. i am 100 % current on all payments, no late, and XXXX credit score
Consumer complaint received 2021-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am an international Bank of America customer living in XXXX, XXXX. 
On XX/XX/2021, I was victim of an electronic fraud with my Bank of America debit card in several business entities in XXXX, XXXX of XXXX. Five charges for a total of US {$11000.00} were made in a few hours. Bank of America only properly alerted me on one of the charges at the moment it was requested, ( and asked me to approve or reject it ) which I inmediately rejected. The fraud report was made the same day of the events, however, Bank of America has failed to protect me as a customer and reimburse the fraud amount, on the presumed basis that the charges were properly approved, which is not true. 
I am making this report prior to filling reports within XXXX and US Police Departments.
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (IN)

Roundpoint Mortgage has been charging me an additional {$20.00} per month for " charges and fees ''. I have never been late on my mortgage and I have no way of contacting Roundpoint because they have sold my loan to XXXX XXXX. I called XXXX XXXX and they have no explanation of the {$120.00} charge on my mortgage statement but are unwilling to remove it from my account. I can only access one year of mortgage statements on the Roundpoint website since they sold my loan and their phone system is not set up for former customers to call. When I enter my loan number it disconnects the call.
Consumer complaint received 2022-08-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I told Wells Fargo ( my bank of 22 years ) that I got scammed by someone for tickets that were fake, and they never answered me when I requested my money bank. Wells Fargo sent a generic letter that they could not refund my {$210.00} dollars, even though I had proof of the scam from the XXXX convo, and the person on XXXX deactivated their account after they got my money!!! This is very disappointing that Wells Fargo will not help me, nor punish the scammers. I demand my money back!
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (OH)

I was informed by a letter in the mail in XX/XX/XXXX that a XXXX Credit Card was issued in my name. I called into petland and let them know that there was a mistake as Ive never opened a credit card with any store and never would. I gave them my information such as my address, phone number etc and none of my information matched what they had on file for me. The woman I spoke to was part of the fraud department and she assured me that she would close the account and mark it as fraudulent. Ever since I spoke with this woman back in XXXX XXXX now has my up to date information that I provided them with and they are trying to make me pay for an account that does not belong to me. They tell me that the information they have matches up to me but that is not true because the only reason they have my information is because I willingly gave it to them so they could contact me after closing the account and marking it as fraud.
Consumer complaint received 2021-10-16
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: NAVY FEDERAL CREDIT UNION (TX)

on XX/XX/2021 I paid a 3rd party for Navy Federal a settlement in the amount of {$3300.00} Navy Federal refused to update my credit report with XXXX, XXXX or XXXX. I sent letters to all three credit bureaus and was told they would need more time to verify the information. Navy Sent me a letter on XX/XX/2021 Saying my final payment was received. the debt was satisfied and no other collections would happen they would update my credit reports with the new information. on XX/XX/2021 I see its been updated with XXXX as charged off for {$10000.00}. XXXX has charged off/write off for {$10000.00} and XXXX says Payed for less than full balance/ charge off and listed as I9. This is not the information that was given to me in the letter. I paid a grand total of {$5300.00} however it's not being reported as such. In fact they are retaliating against me after I paid the final payment of {$3300.00}. This information is not correct and should be corrected to the letter that was given.
Consumer complaint received 2022-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/XXXX I was victim of a scam. The late evening of XX/XX/2021 I sent {$550.00} to a breeder in exchange of a kitten. The following morning they requested another {$1100.00} to send the kitten that was never mentioned. I called the bank and claimed this transaction as scam/fraud in less then 12 hours of the initial transaction and while the transaction in my account stated pending until 2 days later. 
I have all the emails and name of the receiver scam. I made a police claim right away too which advised to forward to claim to consumer finance services for help if the back would decline to return my money. My claim number with the bank is XXXX. The claim was denied. 
I am turning to you for help because I am a single mother ripped off of my money in hopes to surprise my child for XXXX. 
Please help me.