davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I called Bank of America XX/XX/2021 asking how much I owed for the 5 months " deferment '' that I was approved for only to find out it was a forbearance that required the entire balance to be paid at the end of the agreement term. I submitted a complaint previously in reference to how the repayment assistance program was a complete XXXX and was ultimately unable to work out any arrangements with the company. So, in XX/XX/2021, I called to get the total amount owed so I could repay and was advised I had a sum of money sitting in an unpaid balance account. I submitted a request to have the funds applied to the principal mortgage for the intended two months I called and paid it for, and two weeks later I was advised my request had been denied. I have had several conversations with multiple BOA representatives and each of them have a different explanation as to how that has happened and what the resolution is but none of them have been successful with assisting me in resolving my issue. 

XXXX XXXX, I was advised to pay {$6100.00} and the {$2000.00} that was sitting in the unapplied funds account would be corrected as well. I called XX/XX/2021 and the account is still saying I owe over {$9000.00} of payments which is not correct. The Service Request # is : XXXX and I submitted a request for that on XXXX XXXX and it has still not been resolved. I called today to speak with the person who took the payment with confirmation number : XXXX ( SS ) and have been transferred to multiple people still resulting in no one being able to assist me with getting these funds applied to my principal mortgage payments. The payment made on XX/XX/XXXX or XXXX in the system should have brought my account to a {$0.00} balance yet Bank of America HAS NOT updated my account status and it has been several months since I stopped working on a repayment plan with the company at their dismissal. 

As a Customer I have found dealing with Bank of America extremely frustrating and counterproductive. I feel that I have experienced heightened stress and undue emotional distress because my mortgage is on the line and no one seems to be able to give the same answer more than once. I have asked that my Account Manager call me, no one has. I have asked that someone, anyone who can assist with this level of an issue call me and set the account straight especially now that I have made the required payment and all I get is one transferred call after the next when calling BOA.
Consumer complaint received 2021-10-06
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (GA)

This is the second time I have complained and I will continue to file complaints until this is fixed. 

First, the mortgage company, Mr. Cooper, did not inform us of the mortgage assistance programs they have after 3 phone calls. We interpreted that as an attempt to defraud. 

Second, when we finally discovered the program, we began the application process. They explicitly state the underwriting is paused while we are applying. That was fine. 

The process of applying was brutal and took a long time. We were denied. That is okay. But the process of us finding out was unlawful and unethical. You can not begin the underwriting on a loan and not inform the people responsible for that loan. That is what happened to us. We were denied and we were not informed until a week after the decision was made. 

The company claims to have contacted us but I have no emails, phone calls or text messages from them letting me know that the application for mortgage assistance was denied. My first indication that it was denied was when I received notification on XX/XX/XXXX, screenshot attached, that I had a negative report on my credit report. I looked and saw it was Mr. Cooper. I thought it was a mistake considering we had not heard from the company about their decision. So I decided to wait, and call after the weekend. 
Then I get a certified letter in the mail stating the mortgage was due. Granted, at this point, we still had not been notified of the decision concerning our application. Then 4 days after I got the hit on my credit report, we received an email stating we had a document to review. No phone call. No text message. No direct statement to make sure we received the information. On XX/XX/XXXX, see screenshot, we were notified of our denial. 
I don't care that we were denied. Although we struggled for a couple of months, we are caught up completely and are looking to refinance with a different company so we no longer have to work with you. I have also spoken with XXXX XXXX and the VA regional home loan officer to make sure they are aware of how you treat veterans and to make sure your company is not allowed to hold VA loans. 
You made no attempt to collect the debt before you reported that the payment had not been made. So you will fix the credit report. It does not hurt your company one bit to make this right. But it will hurt your company to continue to act unlawfully and unethically with a veteran and person of color, both protected classes. You will fix this error.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (FL)

Dear Discover, I hope this message finds you well. My name is XXXX XXXX, and I am contacting you regarding a concerning matter regarding my credit report. 

Upon a recent review of my credit history, I discovered an entry indicating the possession of a Discover credit card in XX/XX/2016, a time when I was merely XXXX XXXX XXXX. I strongly suspect that this credit card account was established without my knowledge or authorization, presumably by my late father. 

I am writing to formally request the expeditious removal of this erroneous credit card account from my credit report. It is essential to emphasize that I was underage at the time and had no involvement whatsoever in the initiation or usage of any credit card account. 

I respectfully urge your prompt attention to this matter and kindly request your support in investigating and removing this inaccurate entry from my credit report. Your assistance in rectifying this discrepancy would be immensely appreciated. 

Should you require any additional information or documentation to facilitate this process, please do not hesitate to contact me. 

Thank you for your prompt attention and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Olympic Collection Inc. (WA)

Hi, I was just contacted by a debt collection agency in violation of fdcpa. I missed the initial call and immediately dialed the number back. The answering party identified himself as " XXXX XXXXXXXX XXXX XXXX '' and asked me to identify myself. I asked again who he was and what this was about. He repeated the same information. This makes twice failing to identify himself clearly as a collections agency despite being directly asked and given the opportunity to answer clearly. This was highly suspicious and by XXXX the name and initials, I believe this to be XXXX XXXX of Olympic Collection Inc. who violated the fdcpa during this contact. I asked again directly what this call was about, after XXXX failed to identify the purpose twice. He then said it was a " personal business matter '' again a violation and refusal to clearly identify. Additionally I received this call at XXXX local time to me ( XXXX XXXX XXXX XXXX on XX/XX/year>. Fdcpa requires collectors to respect the contact 's local time zone, which again is a clear fdcpa violation in contacting me after XXXX local time to me.
Consumer complaint received 2022-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CO)

I have been aware of the PSLF program since XXXX. I completed a degree through XXXX in XXXX so I could work in the medical field and take advantage of the loan forgiveness program. I have contacted my loan servicer, Nelnet, in XXXX to make repayment arrangements. I was suppose to be on the low income payment program as I was making $ 31k/year. I decided to go back to college in XXXX and completed a XXXX program. I called and spoke with a Nelnet representative concerned about repaying my previous loan and they informed me that my loans automatically go into deferment because I'm in school and that I wouldn't have to worry about paying while in school but didn't inform me that I could still have my previous loan under low income so payments will count towards loan forgiveness. In XXXX I called Nelnet to make a lump sum payment of $ 7k towards my loan XXXX. The representative suggested that I consolidate my loan but omitted to mention that consolidating my would would restart my old loan from XXXX again and I would miss 7 years of repayment! I called Nelnet again in XXXX to discuss what I needed to do do to apply for loan forgiveness as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The rep told me that I was never put on that program and that I would have to start all over again in loan payments!!!! They have charged me an additional $ 10K in interest towards my loan and no resolve to this! I'm still to this day unable to get them to help me and put me on the correct repayment plan! Their customer service is useless and they do not care about the borrower.
Consumer complaint received 2023-04-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (CA)

My account showed as current with a next pay date of XX/XX/2023 on XX/XX/2023. On XX/XX/2023 now shows as past due and that payment is due. This is incorrect as evidenced by the screen shots provided.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to inform you about an ongoing identity theft incident that has persisted despite my efforts to rectify the situation. For the past few months, I have sent multiple letters to the three credit bureausXXXX Equifax, and XXXXwithout success. 

As of XX/XX/2020, my credit report continues to display inaccurate information stemming from identity theft. My Social Security number and driver 's license information were illegally used to open multiple unauthorized accounts in my name. Additionally, my bank ATM/Debit card was cloned or stolen, resulting in unauthorized transactions on multiple occasions. 

In response to these malicious activities, I undertook the following actions : Changing Cell Phone Number : Recognizing the severity of the identity theft, I was compelled to change my cell phone number to mitigate the risk of further unauthorized access to my personal information. 
Closing Bank Accounts : Due to the compromise of my bank ATM/Debit card, I promptly closed all my bank accounts to prevent any additional unauthorized transactions. 
Notification to IRS : I informed the Internal Revenue Service ( IRS ) about the identity theft, providing them with the necessary information to secure my tax-related documents and accounts. 
Notification to Credit Bureaus : Despite multiple letters to the credit bureaus, the inaccurate information persists on my credit report. I officially notified all credit bureaus, including Equifax, about the unauthorized accounts opened under my name. 
Notification to Authorities : I reported the identity theft to the respective authorities, filing a police case/report to document the incident.

Request for Investigation Under Electronic Fund Transfer Act : In accordance with the Electronic Fund Transfer Act and Regulation E ( 15 U.S.C. 1693 et seq., 12 C.F.R. 205 ), I am officially notifying you of the lost or stolen ATM/Debit card and the unauthorized transactions. I request a thorough investigation, including but not limited to providing a list of unauthorized transactions.

Submission of Identity Theft Report : Attached to this letter, you will find a copy of my Identity Theft Report, which includes the FTC Identity Theft Report, IRS Notice CP01, and the police case/report for your reference. 
Request for Removal of Inaccurate Information : I request the immediate removal of the inaccurate information resulting from the identity theft from my credit report. 
Written Confirmation : Equifax : Your claim form has been submitted successfully Your claim number is : XXXX Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX XXXX XXXX is reporting inaccurate information on JEFFERSON CAPITAL SYST. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-04-25
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. (FL)

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE PUT A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOING AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE BEEN ABLE TO OBTAIN THESE ACCOUNTS WITH MY PERSONAL INFORMATION. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2021-03-04
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. (AZ)

Request for VALIDATION, NOT Verification XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX RE : Account # XXXX and Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX XXXX XXXX  { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

You are reporting inaccurate information to the credit bureaus. I dont recognize this account.
Consumer complaint received 2022-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (GA)

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX Account # XXXX and XXXX My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

I need your help to have this item removed from my credit report as soon as possible, please. 

Thank you, XXXX XXXX
Consumer complaint received 2022-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (SC)

I filed Feedback Case # XXXX Federal Student Aid, and I have uploaded payment records multiple times to My Fed Loan. I am seeking credit for XXXX payments under the Public Service Loan Forgiveness Waiver ( I currently need only a few more payments to qualify for forgiveness ). 

I uploaded proof of payment from AES : I uploaded my full payment history from AES, showing the payments made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I still have not received credit for these payments. I have been in almost daily contact with Fed Loan Servicing since XXXX of this year, and I filed my complaint with Federal Student Aid on XX/XX/XXXX, and I have had no communication, and the case still says " in review. '' I also provided information showing that if my account shows as " in forbearance '' it was because that was during consolidation, so I should receive credit for that payment. 

I have a job offer, and I need credit for these payments, so I can have an accurate payment count for forgiveness, in order to accept the new job offer. I am more than happy to submit any of these documents for review. Thank you for any help you may be able to offer.
Consumer complaint received 2022-01-05
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. (PA)

Unauthorized accounts have reported on my credit report as an inquire. 
Inquiry dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX
Consumer complaint received 2021-04-12
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: Experian Information Solutions Inc. (OH)

There was an account on my report that had been paid in full and closed but did not reflect that on my experian credit report. I disputed it and they only changed it to 50 % paid and did not remove it. I disputed again with the letter from the company stating stating account was paid in full and experian said there wasn't enough information to remove the account and now they are refusing to remove from credit report.
Consumer complaint received 2022-02-15
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. (AZ)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Experian Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : 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 2021-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MS)

I purchased an order from Sams club on XX/XX/2021 and received the order today XX/XX/2021 but, I did not receive the " whole '' order, only a partial order. I ordered two bags of crunchy XXXXXXXX, and ordered " three '' bags of XXXX XXXX but, only received " two '' bags, on delivery, ( see attachments ). I was suppose to receive " 5 '' bags total, not " 4 '' .Order # XXXX. 

I tried to call a number to speak to someone about the issue to no avail. I could not understand the XXXX on the phone, they could not speak XXXX  XXXX too well. I tried to call Synchrony Bank Corporate headquarters, but was sent back to the XXXX who I could not understand speaking, so I could not get the issue resolved. I want a refund or a replacement, period.
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OH)

I made several attempts to remove XXXXXXXX XXXX off my Equifax credit report and was unsuccessful. There are 2 of the same reportings with the same amount and one different amount but all three accts are from the same company. They failed to verify validity of the account and Equifax failed to respond and remove said reports
Consumer complaint received 2023-11-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BROKER SOLUTIONS, INC. (IN)

I am writing to dispute the adverse action taken against me by your institution, which I believe to be in violation of 12 CFR Part 1002 Regulation B, Title 15 U.S. Code 1602 ( p ), Title 15 U.S. Code 1644 ( f ), and Title 15 U.S. Code 1611. The adverse action in question pertains to the denial of my recent application for a mortgage with new American lending. 

. On XX/XX/2023, I received a written notice from your institution, indicating that my application for a home loan has been denied. The specific reason ( s ) as to why I was denied is irrelevant because I have the right to credit and withholding my securities is securities fraud! Your institution is in clear violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act! In light of the above violations, I kindly demand, Since I have been denied access to my own credit, that you please retract my application! Please acknowledge receipt of this dispute letter within 10 business days and inform me of the actions taken to address my concerns. Should you require any additional information from me to facilitate this process, please do not hesitate to contact me. 

XXXX XXXX XXXX
Consumer complaint received 2022-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my rights. 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.