davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have requested Bank Of Americas remove late payment reporting ( XXXX, XXXX, XXXX and XXXX of XXXX ) on my credit history and after several discussions an reporting they refuse to. 

In XXXX of XXXX Bank of America merged a bank card I held with another person and which was closed with my personal credit card online account management system. When they did this it removed my current XXXX XXXX XXXX XXXX information which is what I had set up to do monthly recurring payments. This account was set up this way since XXXX and I had never had a problem since they did this merger - and with out my knowledge or approval. This merger also wiped out all my contact/email information which was how I received notification and statements on my account. 

In XX/XX/XXXX I went in and did a one time {$5000.00} payment to pay the balance in full. With out my knowledge it used the closed BOA account as the payment method instead of my XXXX XXXX account. I never received any notification that this happened or that the payment did not go through. 

They posted a late payment notice on my credit report and I called BOA immediately. Their technician agreed it was their fault and he corrected the situation with the online system and we re-set up my XXXX XXXX account information. They took off late payment fees and I then paid my account up to date. They also agreed to removed the XXXX late payment posting - which they never did. 

There after the same thing happened with their system and it kept trying to use the closed BOA account as the reoccurring payment. They then kept posting late payments to my report report and charging me late fees. 

Now they are saying it is my fault and responsibility. How can I be responsible for an online financial management system they manage and offer to their clients? They are diverting responsibility and now have put my financial future in jeopardy. 

I have reset up the recurring payments AGAIN with their tech which is $ XXXX/month. However they are still posting late payments because I am now at {$1200.00} in a minimum payment which I can not afford at this time. 

They have refused to work with me on any level and will not accept any responsibility for the technical disfunction in their online payment system. 

I am in the process of finding legal presentation on this matter but in the mean time I want to file and record this issue with CFPB. This process is quite unfair. They do research on themselves and then file a report saying its my fault that their system faulted.
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

RE : UNAUTHORIZED INQUIRY I reviewed a copy of my credit report and XXXX  / XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2017. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX and investigate such occurrence.
Consumer complaint received 2018-10-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

To whomever is concerned. I XXXX XXXX. a 21 year military retiree. I have receive a intent to foreclosure letter on my home. This company is ripping veterans like me across the country off and I say this because if they are doing it to me. They are doing this across the country. My complaint is as follows. I had my home mortgage modified in XXXX of this year. All parties To my understanding I was told all delinquent fees and payments in arrears will be placed on back of the loan and yes I signed the new documents. The problem is Carrington Mortgage Services ( A collection Agency for XXXX XXXX XXXX ) has informed me there are fees associated with the modification AFTER the modification. Which is illegal.They can not do this. If there are any fees this should have been discussed with all parties before the signing. This is a binding contact. I DO NOT KNOW WHAT FEES ARE BEING ASSESSED OR THE AMOUNT OR WHAT THE FEES ARE FOR.I was told these fees may be for legal fees and reinstatement fees. But I have not received any documentation of determined the amount after all parties have signed. I have informed them I will be making the XX/XX/18 payment in the month of XXXX and the XXXX payment. My regular payment is {$1300.00}. I have just receive a Notice of intent to Foreclosure in 35 days .If I do not send them the delinquency they say I owe of {$3400.00} which is attached to this complaint. which includes the late 1 time late payment
Consumer complaint received 2018-10-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (AZ)

This is a complaint from XXXX XXXX against Credit Corp for Credit Corps failure to provide requested information for the debt alleged. Credit Corp is reporting a dept that consumer does not recognize on consumers credit report. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over 3 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I transferred the property by quit claim deed to my ex-husband in my divorce and 6 months prior to that a motion was filed that stated he was responsible for all mortgage payments on the home. He failed to make any mortgage payments and the house went into foreclosure. I attended the foreclosure mediations and was able to get myself " removed as a defendant '' from the foreclosure. The final judgement was only served on my ex-husband. I have a letter from the attorney 's office who handled the foreclosure stating I had interest in the action and I was not a party to the foreclosure together with a copy of the withdrawal they filed. This was all provided to XXXX and all I and my current lender has asked is to remove the language " foreclosure '' from my credit report so I can move forward in applying for a mortgage but they refuse to. 

I need this language removed so I can apply for a mortgage. I was not a party of the foreclosure therefore it should not appear on my credit report. This is all we are asking and they refuse to remove it. 

Please advise if you can help. This is all that is holding me up from getting a mortgage. It's unfair that I have to suffer for what my ex-husband decided to do. 


My current lender contacted them on XX/XX/XXXX and faxed all required information to them Both myself and my current mortgage company followed up with them on XXXX and was told it would be resolved in a few days My current mortgage company called them again on XXXX because we did not hear back from them as they had stated and they sill refuse to remove " foreclosure '' from my credit report I called on XX/XX/XXXX and the stated a case had to be opened and it would take 10 days even though we had previously called and provided all the requested documentation.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CNG FINANCIAL CORPORATION (CA)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed XXXX Inquiry Date XX/XX/2017 2017
Consumer complaint received 2024-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capital Accounts, LLC (NC)

Ive been trying to correct my credit report since the beginning of this year! Ive reached out to the original creditors as well as all three major credit reporting bureaus. Two of the credit report bureaus states that theyre information was corrected or updated but hasnt provided any proof that theyve received correct information! I still have old accounts that are past seven years on my credit report and some creditors are still reporting after Id provided them with proof of documentation that the accounts are no longer my responsibility or incorrect! Theres been reappearance of accounts listed without informing me! Id also provided them with my correct personal information and I still have wrong addresses listed on my credit report after theyve stated that theyve updated it! Im still unable to receive any approval for credit lines and other credit accounts.
Consumer complaint received 2018-05-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (GA)

Federal Law ( 12 U.S. Code 4902 ) requires that PMI be AUTOMATICALLY terminated on the date when the principal balance is scheduled to reach 78 percent of the original value of your home. For my loan, this should have taken place in XX/XX/XXXX and DID NOT.

PMI should have been removed when my loan balance was scheduled to reach {$37000.00}.

XX/XX/XXXX - My loan balance was {$37000.00} I was charged PMI for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Why is this company NOT AUTOMATICALLY removing PMI as it is required to do so by Federal Law?
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NJ)

A XXXX bill was open in my name I currently a XXXX account holder I have no knowledge of the account that was open in my name I am in the process of getting a house so I needed this to be off my credit report so I just paid the debt in full the debt is not mines I would like it to be deleted off from my credit report since I have no knowledge of this account from fraud with out knowing wasnt giving knowledge of this account until today woke up on my credit report
Consumer complaint received 2018-05-09
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. (VA)

Disputed two collections on my report from XXXX XXXX one for {$780.00} and other {$700.00}. I originally tried to contact XXXX XXXX, they where rude and cursed at me. I disputed the collections with Experian came back as verified. I am not responsible for this debt it's not mine. According to the FCRA Experian is to have on record the and report to me these inaccuracies within 30 days. I sent the Method of Verification for these inaccuracies, the 15 days to respond has long come and gone no reply. Experian is violating my rights according to FCRA, to verify a inaccuracies, to have on record a copy of this on file, to report to me in a timely fashion.
Consumer complaint received 2018-05-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC (CA)

I inquired online about a debt consolidation loan. They said Iw as pre-approved and that I just needed to move through some steps, so I did that. After I completed submitting the first round of information, a lady from the company called me. She said very clearly on the phone " we have the money waiting to transfer to you once you submit the additional documents. '' I am self-employed, so some additional bank statements were required. I could be wrong on the last few words of her sentence, but I know for a fact she stated very clearly that " the money is ready to transfer '' and tricked me into believing everything was good to go. I was then denied the loan after submitting the additional documentation and I feel very much like a victim of misleading techniques. Another representative who was " helping me '' has also been unresponsive when I inquired about this.
Consumer complaint received 2018-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (NJ)

I got laid off from my job in late XX/XX/XXXX and immediately did whatever I could to find a new job. Pretty soon I was no longer able to make the payments on the mortgage. We contacted a state sponsored program for NJ Homesaver and just as we applied the program was changed and the church in XXXX XXXX NJ said they couldnt help us with that program. I eventually got another job in XX/XX/XXXX but that company couldnt make payroll as of XX/XX/XXXX and I was out of work again. I went looking again and even took a job outside my field and it eventually led to a good XXXX XXXX which I have had 30 years experience in. Then I contacted the bank about a modification. They sent us the modification application and now there was hope. Now that I finally had a stable job and the mortgage note was sold to Iberia Bank we had a chance. Also, both my wife and I were working full time, I also thought we had a solid shot as I worked full time and my wife was a XXXX XXXX XXXX XXXX. I called them and asked about my options and if they had a date for the sale yet on XX/XX/XXXX. They did tell us we must submit our XX/XX/XXXX return which was not finished yet. ( We had filed an extension ) When our accountant had taken longer than we expected to complete the tax return, we then called again to make sure there was not a date for the sale in XX/XX/XXXX and they said there was no sale date. As of today, we were not served with any paperwork from the court or Iberia Bank accept for the Lis Pendens which was sent to us XX/XX/XXXX. We then received paperwork from a lawyer saying we had to pay rent or vacate the premises. The letter was dated XX/XX/XXXX and the rent was due XX/XX/XXXX. The letter was postmarked XX/XX/XXXX. It also said our lease was terminated and we had to vacate the premises no later than XX/XX/XXXX. Then we were mailed a tenancy summons to appear in court on XX/XX/XXXX, as part of an eviction process. We were never formally served and had no idea any of this was going on until XX/XX/XXXX when we received the first letter from the lawyer. We were also told by a lawyer that we didnt use any postponements, which makes the case that we had no idea that any of this was going on. We never even had the opportunity to plead our case in front of a judge. Iberia made it seem as though we would be considered for a modification while all the while they were proceeding with the foreclosure behind our back. We just want a chance to keep our home!
Consumer complaint received 2018-05-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (TX)

I have reported Nations Lending Corp of OH for discriminating against my husbands XXXX. The case number is XXXX. They have been ignoring our multiple requests for a reasonable accommodations by sending conversations by text or email, including their investigation. On XX/XX/XXXX we received two letters, post marked on XX/XX/XXXX, detailing that we were denied credit on the same day we reported them to this office ( XX/XX/XXXX ). They are dated to be sent on XX/XX/XXXX, yet are time stamped XXXX on XX/XX/XXXX by XXXX XXXX . They are backdating these denial letters to cover for their discrimination of my husbands XXXX. On his letter they do not even have his credit score on all three reports, even though he has a score on XXXX. My letter has the wrong name, XXXX XXXX, it has XXXX XXXX XXXX and my maiden name of XXXX is used on my social security number and all of my financial records ( taxes, credit card and employment ). How was a credit report done using my social security number and the wrong name? I have checked my credit multiple times and have never seen them at the numbers presented either. We had been approved prior to this and was told during our call with the customer complaint investigator that she saw no reason for our loan to be denied. I must conclude that they are violating my husbands rights and denying our loan due to his XXXX. He has rights under the Americans with XXXX XXXX to have his XXXX respected and not ignored to scam us. Trying to cover this up they have falsified credit documents. These letters are signed by a XXXX XXXX, with just a XXXX and dated for XX/XX/XXXX, even though they are printed on XX/XX/XXXX at XXXX. I feel this company is a scam.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (CO)

Account details : Conn Credit Corp, Account Number XXXX / XXXX Inconsistencies across credit bureaus : Different balances reported ( {$8800.00} vs. no balance ) Different status descriptions Inconsistent payment histories Conflicting last activity dates Inconsistent company names Merchandise was returned for resale but not reflected in reports FCRA violations : Section 607 ( b ) : Failure to ensure accuracy Section 623 ( a ) ( 1 ) : Furnisher 's duty to provide accurate information Section 605 ( a ) : Potential violations of time limit requirements Section 623 ( a ) ( 2 ) : Duty to correct and update information
Consumer complaint received 2024-10-05
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. (OH)

I am filing a formal complaint against Experian for their failure to remove fraudulent information from my credit report and their violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I have asked Experian to remove the XXXX XXXX XXXX XXXX, OH XXXX address, which is not mine, and the XXXX XXXX XXXX, which has been inaccurately reported. 

Despite providing documentation, including an FTC Identity Theft Report and a signed affidavit, Experian continues to report this fraudulent address and the XXXX XXXX XXXX XXXX XXXXXXXX. I previously disputed this account, and while Experian initially removed it, they have since reinserted the account without notifying me of the reinsertion in compliance with the FCRA. 

Violations of the FCRA : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : Experian is required to block fraudulent information once notified of my identity theft status. Despite submitting all necessary documentation, the fraudulent account and address remain on my report. 

FCRA Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Experian violated this section by reinserting the XXXX XXXX XXXX  without notifying me within XXXX XXXX XXXX of its reinsertion. This action is illegal and requires immediate correction. 

FCRA Section 609 ( 15 U.S.C. 1681g ) : I have requested method of verification for the XXXX XXXX Account, and Experian has refused to provide it. Without this verification, they are obligated to remove the account under the FCRA.