davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America failed to do a valid XXXX appraisal in a value dispute. The original appraiser they used failed to do a conplete evaluation resulting in BOA rejection of my short sale offer. 
Appraiser appears bogus XXXX XXXX hired by XXXX XXXX XXXX ( none working number? ) State ID XXXX. His report ommited crucial repairs that would reduce value significantly ..
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

On the morning of  XXXX   XXXX , I noticed that there are several accounts reporting on my Experian credit report that are both inaccurate and not mine due to identity theft. yesterday I had to temporarily remove my freeze on my credit report so that I could accurately view my entire file. Prior to today, I have always been able to do this without lifting my security freeze, but for whatever reason was unable to do so this time because it stated my information did not match what was on file.     Upon my review, I noticed the following trade lines that are both inaccurate and not mine and would like to dispute them as fraud : 1.   XXXX   XXXX   XXXX   XXXX   Date Opened :  XXXX  Credit Limit : {$4000.00} Balance : {$4000.00} Last updated :  XXXX  Status : CLOSED 2.   XXXX   XXXX   XXXX   XXXX   Opened :  XXXX  Limit : {$5000.00} Balance : {$4900.00} Last Updated :  XXXX  Past due amount : {$190.00} Status : CLOSED 3.   XXXX   XXXX   XXXX   XXXX   Acct # : (  XXXX  ) ********* Date Opened :  XXXX  Limit : {$14000.00} Balance : {$17000.00} Last updated :  XXXX  Past due amount : {$3900.00} Status : Open All of these accounts, I have contacted the merchant o ver 20  times and subsequently filed  ( 5 )  CFPB complaints concerning these accounts were not reporting accurately and subsequently were also not mine due to identity theft. I have been told countless times that they would be removed. All (  XXXX  ) of these accounts have been removed from both my   XXXX   and   XXXX   credit files as of  XXXX  of   XXXX  . I am attaching my necessary documentation,  DL &amp;  SS card for verification purposes.     Thank you for your help,  XXXX   XXXX   XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DC)

I have been trying to retrieve my credit report from Equifax for 5 months now. They have blocked my online access to my credit report and score for even after I have verified my information for them. I had to pay another credit reporting business due to not being able to get it through Equifax.
Consumer complaint received 2024-11-05
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. (NJ)

I am writing to dispute multiple unauthorized accounts appearing on my credit report, which are negatively impacting my credit score. Despite my previous complaints and requests for investigation, these accounts have not been removed or corrected. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611, 605B, and 623, I am entitled to a credit report that is accurate, fair, and reflective of authorized transactions only. 

I have reason to believe these accounts were fraudulently opened by a third party without my permission. I did not authorize, open, or use any of these accounts. These inaccuracies continue to harm my credit, despite my repeated efforts to resolve this matter. 

Unauthorized Access and Fraud : I believe these accounts were fraudulently opened by someone with unauthorized access to my Social Security number. Under FCRA Section 605B, I request the removal of these accounts based on identity theft. 

Inconsistent Account Status : Several accounts show conflicting information, such as being listed as both opened and closed or containing incorrect dates. Under FCRA Section 611 ( a ), which mandates the reinvestigation of disputed information, I request that these inconsistencies be corrected. 

Duplicate Account Entries : A duplicate account appears, further harming my credit score. FCRA Section 623 ( a ) ( 5 ) requires furnishers to provide accurate information ; therefore, I request the removal of duplicate entries. 

Dispute Resolution Confusion : Some creditor remarks incorrectly indicate a prior dispute was resolved, while the dispute status for those accounts remains account not disputed. This inconsistency violates FCRA Section 623 ( a ) ( 3 ), which mandates that furnishers update disputed information accurately. 

Account names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Applied for a Mortgage with Navy Federal on a Foreclose house XXXX/XXXX/XXXX. Pre-approval letter after some very stern phone calls XXXX/XXXX/XXXX. Loan Officer would not return your call or call from numbers that was not working for Navy Federal. We are at closing and have n't receive the HUD sheet, the Attorney Office had to let us know we will not close XXXX XXXX, XXXX. Navy Credit sent an email requesting more information XXXX/XXXX/XXXX around XXXX our time because they are located somewhere in Florida. Somebody call my cell earlier that morning but did n't leave a message, I guess it was XXXX XXXX because she did leave a message in the past from the same phone number. the email was asking questions concerning our dependent age and how much we pay for his daycare in the last two years, they stated it came from our tax transcript. Caluculated the distance my husband would have to commute and is his job relocating XXXX XXXX. Did I relocate to my current job because my Employment verification stated XXXX/XXXX/XXXX, my Employment verification letter gave them 24 years of Federal Services. Why my husband had a gap in employment, which they got from tax transcript and question income from rental houses we own. Now asking for XX/XX/XXXX tax return when we sign release form for them to obtain XX/XX/XXXX and XX/XX/XXXX tax transcripts. I can go on and on but the main thing we will not make closing XXXX/XXXX/XXXX and still have n't heard when we will close. I sent all requested documents timely and sent emails asking was anything else needed. we have to go 2 hours to close. The Navy Federal Credit Union had all requested information in a fimely fashion and now we can close on the date in the contract and talking about an extension meaning more money the buyers have to pay and some attorney do n't give or waive that fee, Navy should pay for any additional money because it 's not the Buyer fault we did n't make closing.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-10-07
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. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-08-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Williston Financial Group (CA)

On XX/XX/XXXXan escrow transaction was opened to buy my house, this transaction was closed on XX/XX/XXXX During the process, the preliminary title report was never explained to me, nor was I told about any payment I should make that was not included in my Closing Disclosure, and WFG people did not say anything regarding two Hero Program liens that the previous owner had.

I summited a claim to WFG National Title Company because during the process they knew there were two ( HERO PROGRAM LIENS ) contractual assessments recorded as liens against the property that are collected by the County Tax Collector and the escrow did not advise my lender ( XXXX ) to adjust the monthly impound payments to cover the projected increased in the property tax bill, also if my lender ( XXXX ) had been notified it would have requested the payoff at the close of the transaction.

WFG denied my claim because they said it was mentioned in the preliminary report, I am not a professional, WFG people are the professionals, so they have the responsibility to explain if there is some items that needed to be cleared before closing escrow, also by just reading the report it is not clear, it is ambiguous, now that I have the problem, I went in person to obtain a copy of the recorded liens, the instruments consists of twelve pages, not just two paragraphs as WFG mentioned.

WFG people never provided me with the complete instruments, there was no way for me to understand the magnitude of these assessments without the complete instruments. According to the documents that I obtained this year, I have to pay for 16 years {$1500.00} two times a year and for the second one {$1100.00} two times a year for 7 years, a total of {$5200.00} a year, at the end of the years the amount is about {$40000.00}, this information was never on the preliminary report, and neither was it provided to me. These amounts should have been explained to me before to continue with the purchase transaction, in order to decide to buy it or not. Obviously with the monthly payment of these assessments I wouldnt be approved for the loan, and I would have had the opportunity to find another property.

It is unacceptable that WFG National Title Company covered these items in the policy of the title insurance, but it covers just the two paragraphs, but not the 12 pages that were filed as instruments in XX/XX/XXXX and once again those were never provided to me.
Consumer complaint received 2023-07-21
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX
Consumer complaint received 2024-10-07
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. (NC)

I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.
Consumer complaint received 2016-08-23
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have Bank of America pre paid debit card that was issued to me from the XXXX and someone stole the information from the card, I believe after I used it at a gas station, and used that info to steal money from ATMs in a town north of XXXX where I have never been. They stole almost {$700.00} over the course of several transactions at XXXX different ATMs. Immediately after I discovered my bank account was drained to almost {$0.00} I notified the bank of the fraudulent transactions. After 'investigating ' BoA denied my fraud claim. I have never used the card at an ATM nor have I been to the places the cash was taken out. After they denied my claim the first time I filed a police report and an identity fraud report but the bank denied my claim two times. I am extremely upset by this and the fact that BoA is insinuating that I lied about this money being stolen from me.
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (TX)

RECEIVABLES PERFORMANCE Address :  XXXX   XXXX   XXXX   XXXX   XXXX , WA has put a collection on my credit report. They call me from  XXXX  several times a day, but when I answer they do n't say anything or keep on transferring me to different agents without answering any questions. They ask to confirm my name and address stating that its being recorded. I was not comfortable giving it out and when i asked them what it was about  one  of the agents told me the las t 4  of my SS and my address. EVEN THOUGH I did n't confirm my name and address. It must me in their recording the lady said " this is your social security and this is the address so why are n't you confirming that you are such and such person. I am really baffled by their approach and interaction with our highly sensitive and personal information. They say I owe them {$140.00} from a  XXXX   XXXX  account which was opened on  XXXX   XXXX    XXXX  , which I do n't have any knowledge of. I did n't open a  XXXX   XXXX  account and do not know where they got my information from.
Consumer complaint received 2016-08-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (PA)

I was speaking with Sallie Mae on repayment options, as I was unemployed following graduation. I was unable to meet the $ XXXX+/month payment and was asking what my other options were. I was specifically advised to let my account run over, as in not meet the payments, because Sallie Mae would not work with me on changing payment options until I was overdue. After two months I tried to reach customer service once again and was directed to Collections, who informed me that I had to make my loans current before I could begin any sort of payment change option. After explaining the advice I was previously given, I was given a sorry and an adamant ultimatum that they needed to make the loan current first before anything could be done. I was forced to borrow money from my parents and then was explained the options available to me, neither of which greatly affected my payments. I was also reported to the credit bureau due to the non-payment of the loan, which has affected my credit score, making it difficult to now find an apartment.
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Delinquent account — 
Company: SQUARETWO FINANCIAL CORPORATION (AZ)

Had a   XXXX   XXXX   credit card. Lost job and it went to collections. I have been getting contacted by  CACH LLC on acc ount  XXXX . I am not familiar who they are. Within my rights, I asked them to provide validation of the debt, proof of how the balance went from what the balance was at   XXXX   XXXX   when the account was open to how the balance got to where it is now. I also asked to provide proof that they are authorized to work on my account on behalf of   XXXX   XXXX  . They refused to provide this. I contacted  XXXX  and they advised that the new creditor does not have to provide this and has closed the dispute several times.
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: M&T BANK CORPORATION (CA)

7 years ago I started re-fi with my mortgage company. 5 years later and XXXX refinances that they constantly squelched, they sold my loan to another bank when we were at the end of the XXXX modification and it was a paper away from being finalized. The new bank than attached an additional {$84000.00} to my loan. XXXX offered me 2 % for 30 years, XXXX bank 2 % for 5 years. Totally XXXX on this one. Of course during the 5 years XXXX XXXX would not let me make a payment.
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Fedloan Help (NJ)

My student loans are with  XXXX   XXXX . I was looking for a way to lower my payments. I found a company called Fedloan Help, free student loan repayment assistance. They said that they would take over the loan and I would pay them based on what I could afford ; income minus expenses. They did so and spoke on the phone to me extensively about their service, communicating that they would take over the loan and I would pay them at a reduced monthly payment. They said my credit rate would go up because of the transfer showing the closing of the account with  XXXX . I signed the paperwork and provided all pertinent information. My payments were withdrawn every month on the  XXXX  as I requested. I believed this money was going towards my student loan. This past week when I could n't get a  XXXX  tax form I became suspicious. I was told the form they did have for taxes counts as a charity credit since they are a not for profit. Also I was told I was due for recertification. As a result I was told my payment would go up, which I did n't understand, I did n't know about recertification. When I first began this process they certified me with  Granite State  with a take home of {$54000.00} a year with  XXXX  dependents. Therefore, a forbearance was put on my existing loan with  XXXX . No transfer took place ever. It just looked like I had a  XXXX  balance since I was in forbearance and had no idea this was happening. With the recertification this year I was told my payment went up from {$180.00} to {$310.00}. I questioned why. Fedloan Help then said that they had no control over what my loan holder said I had to pay. I could n't believe it. I had been scammed. I spoke to  XXXX   XXXX , but they said they had n't received a payment from me since  XXXX    XXXX  . Nothing that Fedloan Help communicated to me would happen, happened. The new submission from  XXXX  to  XXXX  was based on an income of {$55000.00} with  XXXX  people in the household. I do n't understand what Fedloan Help is doing but they are n't telling people what they are really doing. Of course there are contracts you have to sign and I need to go back and read them ; obviously I did n't read them closely and was suckered. Their claim is that they would take over the loan and I would pay them. They 've taken around {$2500.00} for me and none of it has gone towards my student loan.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX ( XXXX  : XXXX  Experian : XXXX  ), Unknown Name ( XXXX : XXXX ), XXXX XXXX/XXXX XXXX ( XXXX : XXXX   Experian : XXXX XXXX : XXXX  ), XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX/XXXX ( XXXX : XXXX XXXX : XXXX XXXX : XXXX  ), XXXX XXXX XXXX ( Experian : XXXX XXXX : XXXX  ), XXXX XXXX ( XXXX : XXXX Experian : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX  ), XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX : Experian : XXXX XXXX : XXXX  ), XXXX/XXXX  ( XXXX : XXXX  Experian : XXXX XXXX : XXXX ), XXXX/XXXX   XXXX : XXXX  Experian : XXXX XXXX : XXXX ).

Thank you
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc. (NM)

National credit systems has lied about there availability to settle my debt! The company has refused to come to a settlement or agreement to reduce the cost and has refused to agree on a pay to delete agreement! They state they can not do this which is a lie. They have refused to escalate the issue to management, hung up on me repeatedly and have refused to call me back or email me back! I have already opened a case with BBB and looking for help from the attorney general as well and they have been unable to resolve my concerns!
Consumer complaint received 2017-04-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CO)

On   XXXX   XXXX   XXXX   I got a non-secured personal loan with  XXXX   XXXX  /  Onemain Financial.  Over the next couple of years every time I was going to be late on my payment they had me refinance my loan. The dates that I refinanced my loan is as followed   XXXX  ,  X/XX/XXXX ,  X/XX/XXXX  that I can find at this time. They told me not to worry about it just to bring {$100.00} and they would give me a check for {$96.00} and I would n't have to pay my loan until the next month. I did not know what I was doing as a  XXXX   XXXX   XXXX  girl. I did n't realize what they were doing was predatory lending. I feel that they targeted me since I did n't not know what I was doing at the time and would refinance with them when they would call and say " you are going to be late on your payment, you can just come in a refinance your loan. '' Eventually I was unable to pay my loan completely. what started out as a {$5000.00} loan ended up as a {$7900.00} garnishment. From this garnishment I was barley able to make my bills that I had at the time with my full paycheck. Once I was garnished for this predatory loan I had to change my tax withholdings just to be able to afford to eat and gas to go to and from work. As a result of changing my tax withholdings to survive, I ended up owing on my federal taxes both in   XXXX   and   XXXX  .