davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint is submitted on behalf of the borrower by her advocate. It appears that Bank of America ( BofA ) may have failed to comply with the Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act ( RESPA ) and Californias Homeowners Bill of Rights ( HBOR ). 

Said advocate submitted a written Information Request on XX/XX/XXXX. BofA did not acknowledge receipt in writing to the advocate or the borrower. The advocate called BofA on XX/XX/XXXX. A BofA representative explained that the request was denied because the Third Party Authorization forms signature didn't match their records. Please note, that the advocate had been speaking to BofAs management team regarding this borrower since XX/XX/XXXX ; upon approval of a one-year authorization executed on XX/XX/XXXX. 

It is the advocates understanding that BofA shall comply with RESPA if the written information request included the borrowers name and information to identify the account. It is also her understanding that if BofA decided to deny the request, they were required to notify the borrower in writing within five days. Yet, BofA dismissed the entire request without advising the advocate or the borrower, as notated above. 

The advocate conferenced in the borrower during the XX/XX/XXXX. The borrower verbally re-authorized the advocate. Per BofAs representative, the authorization would be valid until XXXX. He then advised that the XX/XX/XXXX request would be re-reviewed. The advocate called BofA on XX/XX/XXXX. She was transferred to three different representatives. The first representative claimed she was not authorized but transferred her to escalate. The second representative claimed she was authorized but transferred her to check the request status with someone else. The third representative claimed she was not authorized, so she should resubmit everything. The Single Point of Contact has never been available, as noted on the correspondence between the advocate and BofAs management, which appears to violate HBOR. 

The advocate submitted a Qualified Written Request on XX/XX/XXXX via U.S. Certified Mail. She submitted it to three different addresses, since BofA does not have a single address listed on their website, which may be another violation of RESPA. The advocate had one address from the time the Information Request was submitted but called BofA to confirm if it changed. The advocate was provided a different address, which explains the multiple addresses listed.
Consumer complaint received 2020-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC (MO)

I was looking over my credit report today and I noticed that an inaccurate account listed by Recovery One LLC now contains a past due balance. This is listed as a collections and from the laws that i have read a collection account can not have a past due balance as a collection is past due by default. Please delete this inaccurate account from my credit report for failure to accurately list this item. 

I would also like for recovery One LLC to provide me with a copy of my signature with the original provider giving permission to share my medical information with this company. I have no knowledge of this account so I would like to see original docs including my signature. Please cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2020-11-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc. (CA)

due to the COVID-19, I has not been works for couple month already, at last month, carmax was Towed away my car from my apartment parking lot without any advance notice to me, which the car is I am financing with them, because of the 3 month late payments due in the COVID-19 going on, I try to deal with them get my car back first then I can go find other jobs to clearing the money I owned, but they said I need cleared 3 month payments and the late fees plus the repossession fee, then I can go pick up my car if they has nit been saled it. 
I just want to be clear because of COVID-19, does the government have any corresponding provisions for late payment of loans?, Because they dont allow us to work, and now Carmax has taken back my daily action tools. If there is no corresponding clause, I think my company will resume operations because I need to repay my loan
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX, XXXX, XXXX XXXX, XXXX/XXXX  have inquired over 15 times on my Equifax Credit Report without my authority. I have since confirmed with XXXX XXXX  and their private label cards for them to remove the fraudulent inquiries from my credit report. I have been going back and forth with Equifax to no avail.
Consumer complaint received 2019-05-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian dropped my FICO Score from XXXX to XXXX supposedly on some kind of " late payment '' After trying to get information through their terrible website, there is no such account listed under my name or SSN on their " report '' In addition, Experian does not allow for me to get any copy of anything regarding my credit report by downloading a file copy.

I don't need to print 18 YEARS of my credit history - just a data file copy trying to find 1 ACCOUNT PAYMENT - supposedly Please help me if you can and please support sweeping new Federal regulation and legislation to hold these people accountable. 

Thank you
Consumer complaint received 2019-05-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

i lost my XXXX XXXX money orders contact the company XXXX XXXX they send me refunds checks for my lost mo i have never recieved my checks after investigating with XXXX XXXX help we find out that some one got hold of my cashier checks and cashed it in hsbc bank i never have a bank account with hsbc also the signatures on the back is not mine i send request to hsbc about this they never respond to me need to know how they deposit my checks when i dont have account with theme? there customer stold my checks and deposit it in there account they should see the name before depositing checks
Consumer complaint received 2019-05-22
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. (MO)

I'm requesting an investigation into the fraudulent frivolous unknown unauthorized accounts that's reporting on my credit files. I'm asking for the details of this investigation or as printed in the laws of the FCRA if not then remove the following accounts. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX {$370.00} 4 ) XXXX {$180.00} 5 ) XXXX XXXX {$150.00} 6 ) XXXX XXXX 7 XXXX XXXX XXXX XXXX {$610.00} 8 ) XXXX  XXXX  {$41.00} 9 ) XXXX  XXXX {$40.00} 10 ) XXXX XXXX  {$20.00}
Consumer complaint received 2022-05-20
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance XXXX {$1300.00}
Consumer complaint received 2020-11-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (OH)

During my loan origination in XXXX, my loan officer coarsely advised me that I needed to pay for a rate lock on my loan to avoid any jeopardization in getting the loan ( in XX/XX/XXXX and XX/XX/XXXX ). That rate lock cost me {$680.00} and during the loan process, I experienced many delays by Wells Fargo which ultimately caused my loan to close outside of normal parameters for the considerations of the loan. 

In XXXX of XXXX, Wells Fargo internal auditing determined that it was in their best interest to reimburse the rate lock fee in the amount of {$680.00}. In XXXX Wells Fargo finally issued me a check for {$800.00}. When I questioned the amount of the refund, they sent me a letter, and in their letter to me dated XX/XX/XXXX they broke down the amount as {$680.00} for the fee, {$60.00} for interest, and {$64.00} to compensate me for the time that I did not have the funds. When I questioned the {$64.00} amount, they said " we're unable to accommodate this request, because the information requested is considered to be privileged, confidential and/or proprietary information to Wells Fargo ''. 
Since that original explanation, I have made multiple phone calls to Wells Fargo in which their representatives told me everything from they " don't see a inquiry in their system for me '' to " I reassigned the case to myself ... ..and their lawyers set the amount ... .and you're not getting a dime more '' to " we got an email about the rate lock issue this morning ... .let me check with my team lead to see what they did with you ''. 

Wells Fargo is clearly trying to cover legal bases and avoiding any explanation to resolution of my issue. Fair compensation for their illegal charge of rate lock fees should consist of the original rate lock fee plus interest of between 4.875 % and 17 % XXXX 4.875 % is the mortgage rate interest of the loan in question and 17 % interest is the yearly average return of my personal investment account during the time in question ), a mutually agreed upon interest should be accrued monthly compounded from XXXX of XXXX through the date of the resolution. The amount of compensation shouldn't be " privileged, confidential and/or proprietary information to Wells Fargo ''. In addition personal compensation related to time spent on my behalf to resolve the matter.
Consumer complaint received 2019-05-22
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. (MO)

Inaccurate, unknown, and unauthorized accounts is constantly being mis reported on my credit file. I have requested the Method of Verification from the 3 CRA on numerous occasions to no prevail. My next step will be to file suit against XXXX, Equifax, and XXXX  for not honoring my demand for a Method of Verification or to block these unauthorized accounts inwhich held me victim to their reportings inwhich caused me more distress inwhich I could write about. These 3 major CRA all has recently responded to previous requests stating " accounts verified ", but never once provided me with physical documentation of this so called Verification. I'm demanding to know how and who verified this because as a general rule of thumb electronic Verification can not be accepted as proof of anything. Also as stated within the FCRA laws inwhich is backed by the FTC, if these 3 CRA can not produced the above request then these following accounts shall be blocked and removed from my credit files immediately. 

Accounts 1 ] XXXX XXXX XXXX {$680.00} 2 ] XXXX XXXX XXXX {$350.00} 3 ]  XXXX XXXX XXXX {$140.00} 4 ] XXXX XXXX XXXXXXXX 5 ] US Dept of Education {$3800.00} 6 ] XXXX XXXX XXXX 7 ] XXXX XXXX {$130.00} 8 ] XXXX XXXX {$72.00} 9 ] XXXX XXXX XXXX {$71.00} 10 ] XXXX XXXX 11 ] XXXX XXXX {$30.00}
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

Three charges were on my card back in XX/XX/2021 for XXXX. Merchants were XXXX and XXXX. I do not know the latter merchant, but either way, I did not make these charges. The funny thing is that I dont even have a XXXX account. Called my bank to discuss the situation with them, and they said they found a XXXX account with my name on it, but all the other details ( email, address, SSN, etc ) were all different. Its possible someone else with my same exact name has a XXXX account since there are people with my exact name, and I explained this to Chase ( my bank ). They do not seem to understand my issue, and tell me I need supporting documentation. And I tell them how can I provide documentation for something I do not have? They tell me they cant help me unless I do that, and I will not get a refund for these three charges on my credit card.
Consumer complaint received 2019-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Inaccurate, unknown, and unauthorized accounts is constantly being mis reported on my credit file. I have requested the Method of Verification from the 3 CRA on numerous occasions to no prevail. My next step will be to file suit against Transunion, XXXX, and XXXX for not honoring my demand for a Method of Verification or to block these unauthorized accounts inwhich held me victim to their reportings inwhich caused me more distress inwhich I could write about. These 3 major CRA all has recently responded to previous requests stating " accounts verified ", but never once provided me with physical documentation of this so called Verification. I'm demanding to know how and who verified this because as a general rule of thumb electronic Verification can not be accepted as proof of anything. Also as stated within the FCRA laws inwhich is backed by the FTC, if these 3 CRA can not produced the above request then these following accounts shall be blocked and removed from my credit files immediately. 

Accounts 1 ] XXXX XXXX XXXX {$680.00} 2 ] XXXX XXXX XXXX {$350.00} 3 ] XXXX XXXX XXXX {$140.00} 4 ] XXXX XXXX XXXX 5 ] XXXX XXXX XXXX XXXX {$3800.00} 6 ] XXXX XXXX XXXX 7 ] XXXX XXXX {$130.00} 8 ] XXXX XXXX {$72.00} 9 ] XXXX   XXXX C {$71.00} 10 ] XXXX XXXX 11 ] XXXX XXXX   {$30.00}
Consumer complaint received 2020-01-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (VA)

To whom it may concern : I am writing this letter today about my experience with Synchrony Credit/ Gap Card . I called them over 30 days ago to explain the situation I was in that affected my credit report in 2017. I never heard back from anyone at Gap and they said I would be notified via mail which I never was. I called them today to talk to someone regarding the late account again, and notified them I had sent a letter explaining the problem and how I was dealing with a family matter and I assumed my account was on autopay. It is imperative that my credit reflects the good business relationship I have maintained with them since then. I am in the process of refinancing my home and I am unable to refinance at the moment due to this matter. I hope this issue can be resolved and I can continue a good relationship with them. 

Thank you. 
Sincerely XXXX XXXX
Consumer complaint received 2019-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Finance LLC (MD)

This company is a predatory lender. This company shut my car off on 3 different occasions for as little as {$48.00} and no more than 21 days late. This company has caused me so much stress it is unbelievable. The dealer never told me there was a cut off switch being attached to my car. If they did I would have walked away. The told me that someone would be out to install a GPS device so that in case of default on the loan they would know where to repossess the car from. Which was ok by me. In the state of Maryland your car can be repossessed after missing one payment however, this company shuts your car off leaving you stranded wherever you are at that time just for being days late not even a FULL PAYMENT BEHIND. Example my car payment is {$150.00} bi weekly yet my car was turned off for just yesterday for {$48.00} even after I just made a payment. Even after I been requesting to have my payment made monthly they insist for some reason they can't change it. This is borderline harassment. My car payment with them has never been 30days or more late NEVER yet I am in fear my car will be immobilized because I am 16 days late. Unreal someone needs to do something about this company and other 's like it. The customer can't even refinance because the miles on the cars are ridiculous so you are stuck paying triple regardless.
Consumer complaint received 2019-05-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (DE)

Borrowers Pushed into Foreclosure by Servicing Errors and Eminent Failure Scenario XXXX XXXX XXXX XXXX ( XXXX ) engaged in significant and systemic misconduct that occurred at every stage of my mortgage servicing process. XXXX violations of my mortgage put my mortgage at risk of foreclosure under Eminent Failure Scenario which would result in losing my home. Specifically, XXXX set my mortgage up for failure. 

Took advantage of my mortgage with servicing shortcuts and unauthorized fees : I relied upon XXXX to, among other things, treat me fairly, give accurate information, and appropriately charge for services. XXXX violated the law and my mortgage in a number of ways, including : Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; Charging unauthorized fees for default-related services ; Imposing force-placed insurance on consumers when XXXX knew or should have known that they already had adequate home-insurance coverage ; and Providing false or misleading information in response to my inquiries to save my home. 

Deceived me about foreclosure alternatives and improperly denied loan modifications when I was eligible and qualified : I turned to XXXX because is the servicer for the investor 's loans, as my only means of developing a plan for payment. XXXX failed to effectively assist, and in fact impeded, struggling homeowners trying to save their homes. This included : Failing to provide accurate information about loan modifications and other loss mitigation services ; Failing to properly process borrowers applications and calculate their eligibility for loan modifications ; Providing false or misleading reasons for denying loan modifications ; Losing documents when faxed a number of times to the loan representative ; XXXX did not maintain a point of contact, every time I wanted to speak to my loan representative, was referred to the collection department, different agent every time. 

Engaged in illegal foreclosure practices : One of the most important jobs of a mortgage servicer is managing the foreclosure process. But XXXX mishandled foreclosures and provided consumers with false information. Specifically, XXXX is accused of : Providing false or misleading information to consumers about the status of foreclosure proceedings where the borrower was in good faith actively pursuing a loss mitigation alternative by XXXX ; and Robo-signing foreclosure documents, including preparing, executing, notarizing, and filing affidavits in foreclosure proceedings with courts and government agencies without verifying the information. 

XXXX XXXX acquired this mortgage on XX/XX/2017, I do not have contact information.
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (NM)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. Code 1681c. ( a ) ( 5 ) Section states : no reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of information of convictions of crimes which antedates the report more than seven years. 

XXXX XXXX : Account XXXX
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX Account Number : XXXX this company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]