davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
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. (MA)

I am writing to formally dispute inaccurate information on my credit report, which I initially contacted Equifax about on XX/XX/XXXX. Despite my attempt to rectify the situation, I have not received any response from Equifax to date. I would like to provide the following details regarding the incorrect information and request the necessary corrections : The account under the name " XXXX XXXX '' ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Credit {$10000.00} ) does not belong to me. I kindly request the immediate removal of this account from my credit report. 


The account under the name " XXXX XXXX '' ( Account Number : XXXX, Date Opened XX/XX/XXXXXXXX XXXX XXXX {$2000.00} ) was never late. I request that this inaccurate information be corrected and updated on my credit report. 


The account under the name " XXXX XXXX XXXX '' ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Credit {$520.00} ) was never late. I request that this inaccurate information be corrected and updated on my credit report.
Consumer complaint received 2023-10-25
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Convergent Resources, Inc. (CA)

Acct # : XXXX XXXX # : XXXX 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 seven 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 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 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I have not applied for any credit or services associated with these inquiries. The unauthorized inquiries negatively impact my credit score and financial well-being.

Here are the details of the unauthorized hard inquiries : I have not initiated any financial transactions or applications with the aforementioned creditor/company on the date mentioned. Therefore, I request a immediate removal from my credit report. 

Enclosed with this letter are copies of supporting documents that demonstrate that I did not initiate these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I believe that the inclusion of these unauthorized inquiries violates my rights under the FCRA. 

Please consider this letter as a formal dispute under the FCRA. I appreciate your prompt attention to this matter. 

Thank you for your cooperation in resolving this issue.
Consumer complaint received 2023-10-25
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AL)

I received an American Express gift card from my employer on Tuesday XX/XX/23 at XXXXXXXX XXXX worth {$100.00}. 

I tried using it at XXXX and it was declined. Tried again and it was declined. The total amount I was trying to purchase was {$52.00}. The card has {$100.00} on it. I checked my balance on the gift card and it was now {$99.00}. 

I immediately called American Express and the lady apologized and told me the XXXX cents would be put back on my card in 24 hours. 

I woke up this morning and checked the balance and now it was down to {$99.00}. I called American Express again. Second time. The guy apologized and told me to wait 24 hours. Called a third time around noon today and the lady told me to wait 24 hours. Called a fourth time, was told the same thing and finally called a fifth time at XXXX and was told the same thing and now Im messaging you.
Consumer complaint received 2023-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My conventional residential mortgage is an annually adjusted amortizing loan. Select Portfolio Servicing Inc is the loan servicer. I received the annual notification of the rate reset. There is a new index taking place of the LIBOR. New benchmark is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX rate that is to be seen at the XXXX website, as per correspondence received from my loan servicer Select Portfolio Servicing, Inc PROBLEM : The XXXX website provides all information OTHER THAN THE ACTUAL PUBLISHED RATE NUMBER. Nowhere on the website is the actual rate, or number for the rate, disclosed. No historical rates or any actual informative rate history on this benchmark is published on the site. 
My servicer 's site, spsservicing.com, does not provide a link to published rates on the online account access either. Thus, these two companies are not transparent in disclosing the promised information that is printed on their correspondence and or referenced on the website XXXX. 
My complaint is XXXX needs to allow access for any consumer to see this " 12 month cash fallback '' rate on the website in both a current and historical manner, and, for my mortgage servicer to as well provide an active link to this rate from their servicing website..
Consumer complaint received 2023-10-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper mortgage company fraud me by tricking me to sign a loan modification agreement and to agree for them to put a {$110000.00} lien on my house on XX/XX/XXXX. I had bought my home BRAND NEW in XX/XX/XXXX. During Covid lockdown and everything, I did not lose my income or job. 

Mr. Cooper VIOLATED Federal Law to provide me a sign language interpreter when I asked them repeatedly. They hired a notary person but they refused to hire a sign language interpreter and I am XXXX. They violated ADA rights and law. If I had communication access with interpreter, I would have NEVER signed the papers and they would have not be able to fraud me. They coerced me to signing the paper by saying, " It is just to re-start your mortgage as they bought my mortgage loan and will only take 10 minutes ''. They also threatened me that if I don't sign, I will lose my home. 

I have an attorney to try to settle this outside of courts and they are refusing to speak to me and they are refusing to talk to my attorney. They do not want to acknowledge that they broke the federal law and to try to resolve the issues with me. 

Mr. Cooper address is XXXX XXXX XXXX, XXXX, TX XXXX. 

point of contact person who refused to talk is XXXX XXXX, Customer Relations Specialist. phone number XXXX. I tried to get ahold of supervisors but there excuses were that they are not available. 

Again, Mr. Cooper VIOLATED My ADA rights to have a sign language interpreter when they hired a notary person to come to my home on XX/XX/XXXX to sign " some papers '' which again was a modification agreement papers and partial lien of deed which they have a lien on my house for {$110000.00}. I Never AGREED TO THAT! and I was not given communication accessibility at all. 

So Mr. Cooper is a FRAUD mortgage company and frauded me!!
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America refuses to terminate mortgage insurance on the property, even thou the LTV is below 70 %. BofA demanding we pay {$450.00} for another appraisal to be done by XXXX XXXX XXXX XXXX on our property. I think it is unnecessary and violates the spirit and the letter of the Federal Homeowners Protection Act of XXXX as amended in XXXX. The full appraisal of the subject property was performed on XXXX XXXX, XXXX by a fully licensed appraiser, certified to perform appraisals for FHA. The subject property was appraised at {$490000.00}. A copy of the Appraisal Report was submitted to BofA on XXXX XXXX, XXXX. The current Principal Balance on the loan is {$340000.00}. Nowhere in the loan documents does it state that the only acceptable appraisal can be performed by XXXX XXXX XXXX XXXX. Under the law BofA is required to automatically terminate PMI under these circumstances. We requested termination XXXX times and it is denied. 
In BofA 's letters dated XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX it stated " your current Loan to Value ( LTV ) ratio is above 80.0 %. A new appraisal is required '' and requested payment of {$450.00}. The statement that current LTV is above 80.0 % is incorrect, and contradicts BofA ' own data. According to the letter dated XXXX XXXX, XXXX received from BofA, it estimated the Property Value as of XXXX XXXX, XXXX to be {$470000.00}. With current Principal Balance of {$340000.00} the current LTV ratio based on BofA 's own Property Value Estimate is 71.00 %, well below 80 %. Furthermore, even if you take the Purchase Price of the Property at the time of purchase in XXXX, of {$430000.00}, the current principal balance of {$340000.00} represents LTV of under 80.0 %. I believe BofA request for a new appraisal is motivated by policy to generate additional costs and fees, and to prolong the time and cost of unnecessary PMI charges. I also believe it violates current law on this subject.
Consumer complaint received 2016-02-03
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (ME)

My complaint is against NCO Financial, formerly XXXX. Enough months ago to have cleared up this matter BEFORE losing my tax return, my husband received a phone call from NCO. They identified themselves, and made it known that I had about {$6000.00} in student loan debt and they were looking to collect on it. My husband informed them that I had been paying on my debt to rehab it and things turned sour there. He asked them to please not call again. The next day we received another phone call from them, to which my husband was told what I owed and it was an attempt to collect the debt. Things got even more sour and they were told to not call again. This company has my address on file, I had to verify it upon my phone call today to find out why they had taken my student loan with out given me written notice of my debt. I was not able to obtain any information only told that they can help me clear up my debt by making an arrangement. I never at any point prior to today 's conversation was made aware in writing that I owed a debt. I am filing this complaint today because even though they made a phone call and divulged my personal information to someone who was not authorized to have that information, they have not sent me, in writing, notice of my debt and subsequently took my tax return, without giving me ample opportunity to made good on the debt owed.
Consumer complaint received 2023-10-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sklar Law LLC (NJ)

Received a call from XXXX Sklar Law and looked up the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX : XXXX Fax : XXXX A women stated she was from the law firm and I have a bill of {$2900.00}. from XXXX  and she wanted to set up a plan for payments. 

I asked her who the company was and she said XXXX XXXX XXXX XXXX  ( I think ) and something else and I said I don't know who they are. She then replied that I received a compression device and she would send me an email with the information. I told her I have insurance and she replied that they didn't submit the bill to insurance. 

I replied " I was told by my insurance that I do not owe anything ''. 
She then said " first you said you don't know who they are and now you say you don't owe anything ''. 

I replied again and asked her the date again, which she said the entire date in XXXX and I advised her that I had many bills from that procedure and called the insurance and they called the provider in which they admitted that I do not owe anything and the conversations has been recorded and that's how I know. I also told her not to try to get cute with me and she then said " we will see you in court '' and hung up. 

As she was trying to catch me in a lie, she lied by saying they didn't send the bill to insurance but also asked for the Explanation of Benefits. 

Please note : I have never received a bill from this company and no calls from the provider so, I do not know why it would go to collections after more than 3 years when they never tired to collect. Also, they could have at least tried to put in a claim in with the insurance. So, after one call, they threaten to take me to court? Therefore, it appears to be a scam. I have called my insurance company as well.
Consumer complaint received 2023-10-25
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

I spoke with XXXX representatives for XXXX  ( Syncrony ) regarding my last payment XX/XX/2023. I submitted a payment through my credit card to cover the balance, because the interest was astronomical and my payments were being absorbed by interest fees. I paid the whole balance and noticed this week ( of the XXXX XXXX ) that the money wasnt received. I called today, XXXX XXXX, at XXXX pm to ensure that there werent added fees since I paid the due date. The first representative, XXXX, verified my information and after hearing my concern stated that she understood and that there was a payment made but not sure why it didnt process. She waived the late fee, but said they would nt approve her to remove the interest fee. I respectfully asked to speak to her supervisor and she said she understood and would transfer me. I did state that I felt uncomfortable and at loss why I would need to pay {$30.00} in interest when I wasnt late paying, Im still unclear why the payment wast processed and how did they even get that figure..I just didnt understand why wouldnt they remove all fees while I processed the payment again. 

The next representative/manager named XXXX, XXXX # XXXX, was not helpful at all. He refused to connect me with his superior, he refused to give me a last name nor a telephone number, saying the supervisor doesnt accept calls. He kept saying he was unable to remove the interest fees due to a new policy, but offered me no tangible, certified information or anything. I told him I felt unvalued as a customer and I wanted to report this because the interest fees even before this felt immoral and like theyre taking advantage of me as a consumer and that Im trying to pay off my balance or trying again and the company is refusing to do the right thing. I then asked to have my account closed since they are taking advantage of me, not helping in any way, and dont value me as a customer. I felt really upset, unheard and powerless. I took a few screen shots, the day I paid it and one of my account that says I paid. 

Pay off balance as of XXXX, 2023 : {$1100.00} Pay off XXXX : {$1100.00} Rep : XXXX, id : XXXX Rep : XXXX, XXXX ID : XXXX The supervisors name given is XXXX, XXXX ID # XXXX Refused to provide a last name, refused to give a phone or other forms of communication and but gave the below address to write and who knows when and if Id hear back. 
XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I think someone is using my social security # and open a XXXX XXXX credit card and now is delinquent and is affecting my credit report This is not my answer it has never been XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-10-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC (TN)

We asked for a Forbearance for 3 months due to XXXX and other health issues that have happened in the household, from XXXX thur XX/XX/2023, but we was made to make XXXX XXXX XXXX added to it ... Now we recieved notice that {$3400.00} must be paid by XX/XX/2023 to avoid foreclosure ... before XXXX and other health issues we paid on time w/extra {$100.00} a month
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/year> I sent XXXX, XXXX, Transunion a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Consumer complaint received 2015-06-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have a credit card account with Bank of America for the purpose of a balance transfer promotion. This balance transfer promotion is until XX/XX/XXXX. I called Bank of America to see if I could add additional purchases and if they would be covered under the 0 % apr. I was informed that they would be. I made a purchase and on my next billing cycle was charged interest. I called Bank of America again, to see why this happened. The representative informed me that my new purchase was NOT covered under the 0 % apr and to avoid further interest charges, I would need to pay off the new purchase amount in full. I did this. I received my next statement with even a larger interest charge and again called Bank of America. This time I was informed by both a representative and supervisor that my payment was only partially applied to my higher rate purchase and the rest was applied to my balance transfer of 0 % interest. The supervisor told me there was nothing she could do except reimbursement this once for the interest charge. Through my research and what I have read about the Credit Card ACT of XX/XX/XXXX, this company is not abiding by this legislation. I was misinformed on XXXX separate occasions by the same company.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My identity was stolen in XXXX and XXXX. I contacted upon discovering that online purchases had been made, but not by me or with my consent. The XXXX XXXXXXXX stated that there was nothing that they could do to help me. I called consumer reporting agencies also known as the credit bureaus. I was passed around from agent to agent. No resolution was reached. The fraudulent accounts were eventually removed from my reports. However, upon attempting to purchase a home. I discovered that accounts have reappeared on my consumer reports. I need this information removed permanently.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX XXXX was over charging my escrow for 2 years on 5-6 occasions. After requesting reasons for doing so, the office of the chairman provide not once but twice signed documents that had false information on my loan history. Dozens of attempts were made by a few parties to get it straightened out. The bank could not provide me with a detailed breakdown of all payments taken rightfully and wrongfully. I consulted an attorney and have been waiting for corrected balance and resolution. I stopped paying the bank in order to prevent the bank from stealing more money from me. Now, while this dispute is still unresolved, they are falsely reporting on my credit saying I am in default, when the truth is the payment stopped until they can return all money stolen, provide true history of my loan, detailed payment history and where all funds taken were allotted, and all late fees and compounding interest removed.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (DC)

Imagine you have ( for example ) XXXX reward points associated with your JPMNChase credit card, and you want to transfer them to a travel partner of Chases, such as XXXX or XXXX. 

You cant, unless you shell out for a {$95.00} per year travel card like their XXXX card. My complaint is that this is the practice in effect for the Chase Freedom Unlimited card. They should either loosen that restriction, or remove the false promises of Freedom and Unlimited from the name of the card.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Regardless of multiple written requests, the unverified accounts/inquiries listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 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 statues. Please remove the following accounts/inquiries 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 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