davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

We are filing a complaint on our Loan Number XXXX based on the fact that we were given a trial modification in which we started sending payments on time. Without any reasons -after ASC received their 3rd payment- we were told by ASC that we were not longer part of this approved given trial period. 

This trial period, granted by ASC, was suddenly withdrawn, despite payments having been timely made, resulting in foreclosure. 

We asked ASC for an explanation and we were told that it was an internal decision and was confidential to ASC. 

Thereafter ; we hire lawyers to represent our case for a loan modification. In the processes thru several years, we submitted different loan modifications providing information based on different incomes. 

Regardless of how much income we were making ; we were always given an excuse and or a reason by ASC that we would not qualify -whether- it was because we were making too much money or we were not making enough money or that our income was too high and or too low. Never, we were ever able to please ASC with our income. 

Actually, on one of the loan modification programs, our lawyers found mistakes and errors in which they sent a notice of error pursuant to XXXX CFR sec. XXXX of regulation X of the Mortgage Servicing Act. 

Our laywer mentioned that the " error '' in this specific situation stems from a violation of XXXX CFR sec. XXXX ( XXXX ). 

Pursuant to XXXX CFR sec. XXXX ( XXXX ), an " Error ' within Section XXXX includes the failure to provide accurate information to a borrower regarding loss mitigation options and foreclosure. 

Our Lawyer found out that many contradicting statements indicate a grossly negligent review of our modification package. 

Actually, in one of the laon modification process, a member of ACS admited wrongdoing and failing to do a good job in our case. 
ASC wrote " I apologize for the confusion as I could have done a better job explaining the use of the XXXX separate figures '' In addition, ASC mentioned that they are currently working with their customer or bank but we have not heard from ASC since this last response of failing to do a good job. 

In the process of all of these -many submitted loans modification- our arrears incremented tremendously. 
It feels as if ASC set up us to fail. ( Not acting in good faith ). 

If ASC would have not removed us from the original trial period given to us in the year of 2010, we would have never been so late on arrears -to that end- ASC is directly responsible for these arrears putting our family into financial distress due to their wrong doing. 

We believe that we have not been given a fair treatment to our case and we are looking forward for our case to be reviewed carefully to find a fair solution.
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

There are XXXX collections items that appeared on my Experian credit report in XXXX, XXXX that I have never had accounts with. The first is XXXX XXXX XXXX ( original creditor is XXXX XXXX ). They are tying the account to an address I had with my ex-wife XX/XX/XXXX but have not lived at since. Their last email to me from XXXX XXXX, XXXX Customer Relations XXXX, XXXX XXXX says that while my social security number does not match the XXXX on the account, he has " reached out to my identify theft department ; while our skip tracing does place you at the account, this may be a case of identify theft. '' They are saying this previous address ties me to the account even though I have not lived there in over 30 years. The problem is, they can not find the person the cable account IS tied to so they are refusing the resolve this issue on my credit report. I highly suspect they are now blending my file with someone else 's because since these collection issues were erroneously put on my report, several new addresses have been added that I do not or have not lived at ( all XXXX addresses and an address in XXXX, XXXX ) that just appeared since XX/XX/XXXX. I lived in XXXX, XXXX for 27 years before moving to XXXX in XXXX. 

The second collection item I challenged was with XXXX XXXX XXXX. After doing an investigation, I received a notice from Experian saying the item would be deleted. But two months later, it is still on my report as well. I have done my due diligence by showing my previous MD address ( during the period of these XXXX collection items ) which proves I did not live in XXXX, MD when the accounts were set up. In addition to the collections items on my Experian report, Equifax also has the XXXX error on my report and will not remove it either. I have XXXX and can ill afford to hire a lawyer as my first course of action. I have successfully enlisted the help of my Congressional representative in the past with other issues and will likely pursue this as my next course of action. I 'm hoping your Agency can resolve this before I have to pursue that route since your role is to oversee the fair practices of the Credit Bureaus.
Consumer complaint received 2016-02-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

Experian does not provide credit report online via annualcreditreport.com. 
I keep getting the message " we are unable to honor your request '' I am being asked to do this via snail mail! There is no explanation as to why.
Consumer complaint received 2015-06-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

USAA Bank, has no way to make a cash deposit in the State of Nevada, I needed to make such deposits, I have no way to do so, Why do they do business in Nevada. I had a NSF charged to me because I could not make a cash Deposit, I called the day before and talked to a rep explaining that I need to make a cash deposit to my account. She told me to wire the money direct to my account, which I did, they still took a whole day to deposit to my account. Which over drafted me causing NSF of {$29.00} Fee. I called USAA and talked to XXXX, should could not help, I proceeded to talk to XXXX, she gave me an attitude and I am god attitude, and said she would not help me, she hung up. I called back and talked to a XXXX, she tried to help but could not. My complaint is, how can a Banking Institution do business in a State and have NO WAY TO DO CASH DEPOSIT to my account or any other customer.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Failure to Reinvestigate and Remove Late Payment under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( 4/0 ) Account XXXX Dear Sir/Madam, I am writing to formally file a complaint against [ Credit Bureau Name : XXXX/Experian/XXXX  ] for failing XXXX properly reinvestigate and remove a late payment that has been inaccurately reported on my credit report, in violation of federal law. 
Details of the Issue : Account Name : ** XXXX Account Number : ** XXXX Date of Incorrect Late Payment Reported : ( XXXX XXXX XXXX EXPERIAN Date of Incorrect Late Payment Reported : ( XXXXXXXX XXXX ) XXXX Credit Bureaus Involved XXXX ** XXXX, Experian Under the Fair Credit Billing Act ( XXXX5 USC 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( 4/0 ) ), I am entitled to have any erroneous information removed from my credit report following a proper reinvestigation. I disputed the reported late payment with XXXX and Experian on XX/XX/year>, providing all necessary supporting documentation to prove that the payment was not late. Despite this, the late payment remains on my credit report, negatively impacting my credit score. 
Steps Taken : 1. I submitted a formal dispute to XXXX and Experian on XX/XX/year>, requesting a reinvestigation into the erroneous late payment reporting. 
2. I provided evidence, including bank statements and payment confirmations, showing that the payment was made on time. 
XXXX. I received a response from XXXX and Experian in XXXX XXXX, indicating that the late payment would not be removed without a satisfactory explanation or evidence for their decision. 
XXXX. Adjunto una carta que demuestra que el acreedor no me respondi dentro del plazo de XXXX das, en la cual solicito formalmente que se me proporcione una prueba detallada sobre este artculo especfico. '' [ segn 15 USC 1666 ( b ) ] que ha adoptado para garantizar que cada estado de cuenta peridico se me enva por correo a m ( el consumidor ) a ms tardar XXXX das antes de la fecha de vencimiento del pago. Incluya tambin toda la informacin requerida por la seccin 1637 ( b ) del Ttulo 15.

5.Additionally, I want to inform you that no information about this account appears on XXXX, which constitutes a violation of my rights, since the account must be reported uniformly in the three credit bureaus.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2015-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

I currently have three ( 3 ) issues. Number one ( 1 ) and two ( 2 ) need to be address. Number three ( 3 ) is a violation of the FDCPA and a complaint has already been sent through the FTC. Number ( 3 ) has been included to provide a complete picture of that is going on. 

( 1 ) I am attempting to have my Personal Mortgage Insurance ( PMI ) removed. Currently my account 100 % complies with XXXX the lenders requirements and my closing documents requirements for removal of PMI. I strictly followed the steps that are outlined in my closing documents. These steps are identical to the ones listed on Roundpoints website, which ask for the request to be email to XXXXXXXXXXXX. 

My servicer ( Roundpoint ) followed up with a Roundpoint " PMI Removal Form '' that is not tailored to the requirements of my lender. There form would put additional limitation on my account and states I am not eligible for PMI removal. I have sent multiple emails informing Roundpoint that I can not sign any document that may alter my current loan, be seen as an addendum, or that does not comply with the lenders requirements. Rounpoint refuses to continue the PMI removal process unitl I fill out there form. I informed Rountpoint that there standard form is not a requirement of the lender nor is its completion listed as a required step in my closing documents. 

( 2 ) The servicer ( Roundpoint ) states I have to pay $ XXXX {$600.00} for an appraisal. Since my email string ( attached ) the servicer has agreed to let me review the invoice and confirm the appraisal has not been " marked up ''. Though this is still higher than normal. I am worried Roundpoint is getting a kickback that may be masking any markup. I informed my servicer that the lender ( XXXX ) allows for a BPO to confirm property value and would be substantial cheaper. Roundpoint keeps saying an appraisal is " required by the lender ''. I sent Roundpoint a link ( shown below ). That indicates an appraisal is not " required ''. I have sent multiple email trying to have a discussion on this but Roundpoint refuses to address my concerns directly. 

XXXX : XXXX -Reference " Borrower-Initiated Termination of Conventional Mortgage Insurance Based on Current Property Value '' subsection XXXX. 

( 3 ) The servicer ( Roundpoint ) attempted to contact me. A representative called me and immediately asked for my address and last XXXX of social. I informed him that I would not provide that information to some random " XXXX '' that calls me. I stated, " I need confirmation that you are actually from Roundpoint. '' He refused to provide any information and stated that my refusal would be, '' notated on my account ''. I never confirmed I was the borrower and the servicer still added notations on my account based on the conversation. I have submitted a complaint with the FTC in regards to this FDCPA violation.
Consumer complaint received 2024-08-14
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. (NJ)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.
Consumer complaint received 2024-08-14
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. (MO)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-08-14
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)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I requested many times before Experian to investigate Fraudulent claims, Re-aged, deleted items in my Credit Report, but Experian refused to do it using excuses such as, " my info do n't match '' " i have to prove the accuracy of my personal info '' ; ( XXXX & XXXX never used similar excuses and completed the investigations i requested them to do ). Experian refused even to mail me my Annual Free Credit Report using similar excuses, but they were willing to mail me or download my Credit Report for a fee of {$7.00}. As if is n't enough that Experian reports wrong items in XXXX % of Consumer 's Credit Reports, it seems that Experian do n't obey CRA 's Laws, plus maximizing their profits by reporting Fictitious Negative items which are sold to many Companies for a high fee ( positive items make XXXX money ), and acting as XXXX. FTC & CFPB never took any action against Experian or any Credit Agency who create many problems to consumers ; Are they perfect? Maybe that 's why they XXXX.
Consumer complaint received 2024-08-14
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. (NJ)

I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX items on my credit report are listed 2 times each. XXXX XXXX Credit Card, XXXX XXXX XXXX XXXX XXXX are listed as write offs. These accounts were purchased by XXXX XXXX XXXX in full and should not be listed as Write Offs any more. I 've paid XXXX of these in full , XXXX XXXX and XXXX XXXX. These are also listed negatively on all XXXX credit reports as Write Offs and Collections. That 's like Double Jeopardy. I 'm being held accountable 2 times on each account and all are reporting negative even though XXXX are paid in full. I have good credit from other resources that are the same installment payments on merchandise and cash loans that all XXXX credit bureaus refuse to report. These would boost my credit ratings. The reporting of my report from XXXX is completely different from Transunion and XXXX. All XXXX have refused to change any information or add or adjust credit as payments are made and on time as well. I was told by Transunion to contact my congressman here in Mississippi, I did, and now, you 're it. Sincerely, XXXX A. XXXX XXXX
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Subject : Complaint Regarding Checking Account Discrepancies and Request for Investigation Dear Customer Service Team, I am writing to formally express my dissatisfaction with the ongoing discrepancies in my checking account over the past XXXX and a half years. My wife and I have experienced continual issues where the balance reported by Bank of America does not match the actual available funds in the account. These fluctuations have caused significant confusion and distress, leading to serious financial burdens. 

In total, I estimate that we have experienced around {$3000.00} in discrepancies, with funds seemingly missing or held inappropriately. A specific incident occurred on XX/XX/year>, when I ordered a refrigerator from XXXX and subsequently canceled the order. I should have seen the funds from the hold returned to my account, but it took nearly XXXX weeks for Bank of America to acknowledge the existence of a pre-hold report. Even then, the bank admitted they could not explain what happened with the funds, leaving me to go through my account line by line to identify the issue. 

This situation is unacceptable. The unexplained fluctuations in our account balance have caused us grave financial difficulty, and I have lost confidence in the security and accuracy of your services. As a result, I have decided to close my account with Bank of America. 

However, before I proceed, I formally request that this matter be thoroughly investigated. I would appreciate your assistance in identifying where these discrepancies occurred and how they will be addressed. A clear and transparent resolution is necessary to ensure that this does not happen to other customers. 

I expect a prompt and detailed response, as well as a plan of action to resolve the missing funds. Please contact me at your earliest convenience to discuss how you plan to investigate and address this issue. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution.
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MS)

Judgement showing on my credit report was never recorded and was paid to the original credit before filed. I have disputed 3 times through bureaus and they keep verifying it but the record is wrong. The judgement was never filed and should be completely removed from my credit report.