davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-07
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Prosper Marketplace, Inc. (VA)

I have filed a personal loan application with Prosper on XXXX/XXXX/2016. As I indicated in my application that I am a XXXX, Prosper did not have a specific form for this type of income statement on their website and asked to call them, which I did next day. 

On XXXX/XXXX/2016 I submitted all additional documents and was notified by Prosper that my loan is 100 % funded. 

On XXXX/XXXX/2016 I received a message from Prosper that my loan has been cancelled due to " We could not verify your employment status. '' In their message Prosper also stated that " You should re-list as soon as : You have changed your employment status to XXXX '. '' Since I did state my status as XXXX in the original application ( I am a XXXX ), this message sounded completely lunatic. 

I proceeded with e-mailing Prosper customer service and received the following reply : " We do apologize for any frustration. With the listing cancelled, you will have to relist. I have updated your employment status to XXXX. Unfortunately, you will have to submit a new application with the information updated on your account to move forward. Thank you for your patience. '' I followed Prosper 's advice and filed a XXXX application. This application has been denied due to " We are unable to accept your application at this time because our records show that we 've recently declined your request for a loan through Prosper. You are eligible to reapply 120 days after the date that your previous application was denied. We hope to see you again soon. '' While Prosper certainly has the right not to issue me a loan, Prosper does not have a right to engage in fraudulent deceptive practices and flat out lie to their loan applicants. I would like you to investigate this matter and subject the company to appropriate liability, whether in a form of a fine or any other measure of liability the Bureau will see fit. 

Thank you.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. 

EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Registration Rights Agreement. XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which in turn is a stockholder of XXXX XXXX XXXX , the XXXX XXXX  subsidiary that owns the shares of. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these XXXX  a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2017-01-24
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I APPLIED FOR MORTGAGE ASSISTANCE FROM MY LENDER ( BANK OF AMERICA ) BUT THEY CAUSING LOTS OF NEEDLESS DELAYS IN THE PROCESS REVIEW WHILE CONTINUING WITH FORECLOSURE ACTIONS!!! 
I AM TRYING IN GOOD FAITH TO FIND A SOLUTION FOR MY MORTGAGE PROBLEM AND HAVE PROVIDED EVERY ITEM THEY ASKED FOR. NOW ALL OF A SUDDEN THEY SAID THEY ARE SELLING THIS LOAN TO A DIFFERENT COMPANY AND THEY WILL NOT WORK ON MY MODIFICATION APPLICATION ANY MORE!!!! ACCORDING TO " B OF A '' I HAVE TO WAIT UNTIL THE NEW COMPANY GETS MY FILE & CONTACTS ME TO CONTINUE THE PROCESS. YET THEY WILL NOT STOP THE FORECLOSURE PROCESS DURING THIS TRANSITION PERIOD!!!! 

BANK OF AMERICA HAS PUT THE MODIFICATION REVIEW ON HOLD BUT THEY WILL NOT PUT THE FORECLOSURE PROCESS ON HOLD!!!!! THIS IS SO UNFAIR AND UNREASONABLE!!! 
IF THEY ARE WAITING FOR THIS TRANSFER PROCESS TO COMPLETE BY THE SAME REASON & LOGIC THEY SHOULD WAIT ON THE FORECLOSURE ACTION TOO. THEY HAVE PUT AN IMPOSSIBLE OBSTACLE IN FRONT OF ME WHILE CONTINUING WITH THE FORECLOSURE STEPS!!!!
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I filed a dispute with Experian because they had my XXXX XXXX account number displayed in plain text, ie the account number was NOT MASKED! All other account numbers are and have always been masked. The sent me a message showing the dispute was settled by showing me the account number was now masked but NO explanation of why it was not previously masked or how long it had been in the database unmasked! Of course I would not be the only person effected by this, it would be all XXXX XXXX customers because this would have to be a coding issue. If their database is hacked like so many are these days they have ALL of my information, names, addresses, phone number, date of birth, social, etc. Everything a hacker would need to steal my identity. This is can not be excused! I have no ability to refuse the credit bureau my personal information so their disregard for security is inexcusable. It is a joke that this company is trying to sell people identity theft protection!
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I'm XXXX XXXX XXXX. I'm writing to share my concerns about several issues I've encountered with the credit bureau. These include incorrect account listings, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-04-14
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XXXX, fraudulently Increased the interest rate on my mortgage and then put my loan into collections when I disputed the new interest rate. I submitted my " borrowers copy '' of the loan documents stating the rate of 2.25 % for 40 years. They have not provided me any information and have placed me on a " dual track '' accelerating my loan into collections and foreclosure while they are " reviewing '' my dispute. I have never been able to speak with or have received any communication from a personal loan specialist over the past 4 months. I have spoken to over 20 different customer service agents, non of which can help me and give conflicting information each time I call. I have been given longer " review '' times for my interest rate dispute each time I call. The first time I called I was told the review would take 3-4 days, then up to a week, then 10-14 days, then up to 30 days and the last time I called they said it could take up to 45 days, but no one is ever available that can let me know where they are in the process or provide me any information. I have recently been told that they may file for foreclosure on my home in 2 weeks. I have been paying my mortgage for 10 years and I was never late on a payment. I just do n't understand why XXXX is allowed to play games and not give me a point of contact that actually works there and I 'm able to speak with.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX,, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2016-04-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I am a regular depositor of many years, 30+, at Citi Bank in XXXX XXXX XXXX , opened up a new account, a Roth IRA . The bank was not crowded. The representative at the desk who assisted me failed to disclose a very important detail. If you are retired, you can not open up an IRA or any related product if you have no income. She also said it was a MM Roth and did n't pay much interest but was the most liquid and I could take it out at any time. On the application or paperwork she gave me I clearly stated I had no work phone number and certainly would have checked retired, if it is a selection. I made several visits to this branch inquiring of any proof of my account as I never received any mail about it nor was I able to view it on the ATM screen. Finally, a different service rep printed out the fact that I made such a deposit and the existence of my account. It was this sheet of proof, that I presented to my tax accountant on XXXX XXXX, XXXX. He informed me to withdraw the funds immediately due to no income made in XXXX. So, I went to the nearest branch in XXXX ( XXXX XXXX ) They had me fill out paperwork and then suggested I return to the XXXX branch where I opened it up to resolve it. I told them that I should not be penalized as an early withdrawal because it should not have been at all. Well, I insisted that they call the XXXX branch and clear it up. I still had tax business in XXXX. They called the Retirement product division and a XXXX XXXX had me to write a letter with the account number and that I wanted it returned and deposited in my checking account. I had to sign it, it was faxed to him. I still had to fill out the distribution paperwork and on it I selected the box, do not take out federal taxes. After explaining to the XXXX representative, XXXX, that I am not agreeing to pay any taxes at all because I was allowed to open this account in error. I waited on line and she gave the teller my paperwork and the transaction was complete. I am concerned that the IRS is going to treat it as an early withdrawal still, even though there was a misstep.
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

An ATM teller assist machine was unable to complete my transaction and was unable to return the {$2000.00} cash payment to a credit card I was making. I have gotten incorrect information from employee after employee from the phone number provided on the ticket that was printed from the machine. Customer service does n't know what they are doing and ca n't help me, they transfer me over and over and over. It seems the actual people in the branch are more helpful. It has only been two days but I have lost some much time over this issue trying to get a status update, which didnt happened today was over 1.5 hours. 1.5 hours in the branch trying to start a claim. No one seems to know who I can talk to about the status.
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Continental Central Credit, Inc. (CA)

This is regarding maintenance fees for our timeshare. and XXXX XXXX out of XXXX, CA. We were on auto payment and with no notice the company took us off and sent us to collection, XXXX XXXX XXXX in XXXX, CA. We have XXXX timeshares and they were both on auto deduct and the payments were about {$7.00} different from one another so we did not notice that they had stopped. We received 2 calls and collections was NEVER mentioned. They sent us to Continental Central credit who is charging us more than XXXX % in fees plus interest of the total amount due! How is this legal. So many industries are regulated and I find it hard to believe that they are n't. This is like loan shark fees I can imagine. We never signed anything agreeing to these exorbitant fees. We owe the money and would like to pay it but XXXX XXXX wont take any payments and in the meantime they are setting us up to fail. We believe these are UDAAP violations and that they want our time share back and are forcing our hand. The more time that passes the more the money adds up that we owe them. We were on a monthly since that is easier than having to come up with a lump sum. Looks like they are getting their way so far.
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

OCWEN Loan Servicing Center, LLC Attn : Escrow Department XXXX, XXXX XXXX RE : Escrow erroneous payment collections & over collecting of funds not disbursed as claimed ( FRAUD ). 
ACCOUNT # XXXX I have called Ocwen for over 6 months now to correct my escrow account related to my home and it still has not been corrected. Attached you will find documents proving the following. 

1. Ocwen is over collecting for property taxed owned annually on the property. The city of XXXX tax Bill is {$2300.00} for XXXX Not {$2900.00}. That 's a difference of {$510.00} that was over collected and missing. 

2. See the attached receipt from the City Of XXXX showing that a payment in the amount of {$1200.00} was received on XX/XX/XXXX not the {$1700.00} as reported by Ocwen. Ocwen is not trying to collect an additional {$670.00} for a shortage they claim is owed on my account for XXXX taxes and a shortage for XXXX. 

3. According to my records OCWER over collected on the taxes for XXXX and are billing me for XXXX for more than what is actually owed? Ocwen 's records show the taxes are {$2900.00} but in actuality they are only {$2500.00} Again, over collecting for the year XXXX. I am being over charged annually and billed for over payments causing my monthly mortgage to rise annually. 

I would like a review of my escrow account to be conducted and every penny accounted for. I would like OCWEN To contact the city of XXXX to see why they show a payment of only {$1200.00} being made on my behalf in XXXX from OCWEN but Ocwen report a payment of {$1700.00}. OCWEN needs to find the missing {$420.00} that was not posted to my property tax bill and also not reflecting in my escrow account. This money did n't simply disappear!!! OCWEN needs to adjust my escrow account to reflect the correct annual tax amount to {$2500.00} not {$2900.00} so I am not being over charged and more money disappears. 

Once the escrow account is reviewed, and all money properly accounted for my escrow account should not reflect a shortage of XXXX at which time I respectfully request my escrow account be closed. I will start to pay my tax bill directly to avoid over charging, lost payments and release myself from what I feel is a completely incompetent escrow accounting system OCWEN partakes in. 

Please feel free to contact me directly at XXXX or by email at XXXX Sincerely, XXXX Account # XXXX
Consumer complaint received 2016-11-03
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: American Coradius International LLC (CA)

I have XXXX issues. They continued to contact me after I sent written notification asking for validation and to stop the phone calls. They continue to call me at work when I asked them not to. They told my boss why they were calling. 

When they call I tell them I do not consent to be recorded as is my right in the state of California and they tell me they wo n't stop recording unless I validate my information.
Consumer complaint received 2016-12-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

An offer was submitted in late XX/XX/XXXX for {$280.00}, the Building and safety conducted an inspection and found multiple substandard issues with the property and issued a substandard lien. The cost to remove the substandard lien was Estimated by a Licensed XXXX and factored into a revised purchase offer addenda for {$250000.00}. after a complete submission the lender countered back with the same amount of {$280000.00}. after more research it was discovered that the last XXXX conducted was on XX/XX/2016 for an amount of {$260000.00} This seems to be going nowhere and they are not very good at returning either phone calls or emails.
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I have the same released CA state tax lien reporting on my Equifax and XXXX reports twice. The tax lien was filed in XXXX different counties, apparently, the one I reside in and the county of the XXXX, so it is showing up as XXXX separate liens. Which obviously creates XXXX separate public records on my reports. XXXX was the only one that removed XXXX of them, while the other XXXX just sent back a standard letter saying they were both reporting correctly. I do n't know how to send proof that it 's the same XXXX, although you can see that they were both filed and released the same day and the dollar amount is the same. When I contacted the state of CA, they confirmed that there was just XXXX lien and to ask the credit bureaus to remove it, they could do nothing on their end. The tax lien to begin with was part of our bankruptcy discharge, and it was discharged because of the nature of the tax, but CA state tax board refused to acknowledge it, so I had to just pay it. I have more than once disputed the tax liens, the case number I provided was just XXXX that I have.