davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VI)

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX {$7500.00} XXXX. XXXX XXXX {$24000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (WA)

I never used the service, but somehow charged on my credit report. ( {$530.00} ) and now even though it is saying " Account information disputed by consumer, meets FCRA requirements '' I 've attempted to request for removal several times. It is still reported on my credit report. Frustrating as I do n't have any documents started with. If I used the service I will have the document, but I do not have one
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the XXXX XXXX XXXX account as well as the 10 year old XXXX account. I have attached an statement provided by XXXX XXXX XXXX to fill out because of the fraud on my account, I also made state with the internet crimes department. So this should not be on report. 
The XXXX account should have been deleted due to age. Also I have provided payoff letter provided by XXXX. Not sure how they state last payment made in XXXX, when it cleary states account was paid off in XXXX. They also sent me a document to see if I would pay XXXX % of the bill to clear matter. So clearly they have some type of issues knowing what to do quoth account. i have also filed complaint with the XXXX about this.
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Bank Of America I need your assistance. In XX/XX/2013 the loan was modified. I have been provided a tax document that is unclear to me. 

In XX/XX/2013 my BOA Rep stated the amount that was forgiven included all negative escrow except for the deferred amount. As well as I am starting at a zero negative escrow - what date do you have of zero escrow starting date? not including deferred amount XXXX my question is based on tax document How much of the money I paid went to property tax? if none why not? as my rep stated my payments would be applied as follow principle interest tax based on new payment structure I have requested clarity from prior new servicer XXXX and current servicer XXXX neither have an answer The payments on tax document appear to have went to interest only for the four payments made why? 

At what date was the amount of escrow at zero from modification? ( except the deferred amount ) My representative confirmed funds would not go only to interest and disappear - as this was part of my concern with modification process. 

As I set in study groups and heard this story from other home owners. 
my funds were improperly applied and none went to principle and or tax as state by BOA. 

My funds paid match exactly the breakdown of payments principle interest tax
Consumer complaint received 2017-01-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I requested a verification from Fair Collections & Outsourcing after noticing a collection notice on my report. Now they have listed the debt as late payment on my credit report. This is a communication tactic they are using to get me to admit and settle this debt.
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (CA)

RoundPoint Mortgage Servicing Corp was servicing my mortgage for my condo. In XX/XX/XXXX they decided that I needed to have an Escrow account set up by them and a they also set up forced hazard insurance, even though I already had hazard insurance through my association. Beginning XX/XX/XXXX they billed me for an addition $ XXXX/month on top of my mortgage. I chose to refinance and get rid of them because they were not working with me and after having shown them proof of Hazard insurance they still wanted to force their policy on me. At the time of the refinance they set up an overdraft on my account and paid themselves {$2900.00} for the force placed insurance. I have received " Notice of Forced Placed Insurance Cancellation '' from RoundPoint, stating that " there was no lapse in coverage '', and a statement saying that " the full reimbursement for the force placed policy will be credited to your account ''. The overdraft was debited back in XXXX, I have called Roundpoint and asked for my money back and they have no response for where the money they took went. On XXXX XXXX, I called their customer service department for a fourth time and spoke to a supervisor named XXXX ( ID : XXXX ) and he said he would call me the next day with a response. I called exactly a week later to ask why he did not call and to ask if they had found the money. This time he refused to talk to me and said it was being " researched ''. I have felt manipulated, lied to and stolen from by this company.
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (IL)

I have Student Loan Repayment written into my XXXX XXXX contract. As of XX/XX/year>, I had the required XXXX XXXX XXXX filled out from the XXXX XXXX XXXX and submitted that information to Ed Financial to process my student loan repayment. The first installment of my student loan repayment is {$6600.00}. 

When I upload the required document to Ed Financial, nothing shows under the " Documents You Sent Us '' tab. I have attempted to upload my XXXX XXXX XXXX XXXX times to Ed Financial with no success. The first attempt to submit my student loan repayment paperwork was on XX/XX/year>. I sent an email to military @ edfinancial and only got what seemed to be an automated response, saying " I have submitted for special review and processing of your documentation. This is typically done within 5-7 business days. ".

I waited past the 7 business days, checked for any updates and still found nothing. When reaching back out after the 7 business days, I was again lead to no conclusion whether Ed Financial was processing my repayment paperwork.

I was told it would take 3-4 months to process this paperwork from the XXXX XXXX XXXX XXXX and I am beyond that timeframe while paying monthly payments to these student loans as well as interest being incurred monthly. I am supposed to submit a new XXXX Form XXXX every year before the anniversary date of my military contract, but I can't seem to get last year 's payment.
Consumer complaint received 2016-11-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (UT)

Collection Agency reported a collection on my credit report without notifying me in any way whatsoever of this action. The debt is not mine. 

Other companies have contacted me regarding this debt in the past and have claimed it went delinquent in XXXX, which is past the statute of limitations in my state. Midwest Recovery Systems, who is attempting to collect this debt now, claims it first went delinquent in XXXX of XXXX which is a misrepresentation of what has been claimed by other agencies in the past. 

The company has claimed that it is completely legal to place a collection on my credit report without notifying me or allowing me an opportunity to dispute the debt.
Consumer complaint received 2016-05-18
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (FL)

I been trying to get a loan modification with well fargo bank for the last 3 yrs.it 's look like they 're do n't want to work with me.I feel that i 'm making enough money to work out this problem.please I need help to try to keep my home.thanks.
Consumer complaint received 2016-10-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Twice in three days, my entire online account with Bank of America has been locked due to " the number of attempts to sign in exceeded the number allowed. '' However, none of these attempts were made by me. Each time, I received an e-mail from Bank of America saying that if these attempts were not me, I should call the XXXX number provided in the e-mail immediately. Upon calling the XXXX number, I was told by Bank of America that there was nothing to worry about, and I should just simply reset my password. I told Bank of America that I am worried because someone of something is trying to access my banking information. Additionally, I think Bank of America is also concerned ( or at least should be ) because I was sent an e-mail from Bank of America saying " Your security is important to us. If you are not aware of this situation, please contact us immediately at XXXX. '' I went on to tell Bank of America that if my security was indeed important to you, then help me understand more information about who or what is trying to access my most private of banking information. Unfortunately, Bank of America again just informed me that I had nothing to worry about, and that I should simply reset my password and move on. I again pressed Bank of America for additional information. I said you clearly know that there were attempts to log into my account that were not me, so you have additional information, and I would like that information. If you ca n't provide me with any information, can you put me on the phone with someone, maybe a supervisor, who can. Again, Bank of America simply told me not to worry and move on. In XXXX cases, I then asked Bank of America to notate my account that I was extremely concerned that someone or something was trying to get information about my banking, including a mortgage, checking account, savings account, and credit card, and I would request that a supervisor call me back within 24 hours. In XXXX cases, Bank of America told me that they notated the account, and that a supervisor would call me back. I have yet to hear from a supervisor, or anyone from Bank of America for that matter.
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a refinance of my XXXX XXXX Mortgage with Wells Fargo Mortgage. They insisted on holding over {$4000.00} in escrow to pay taxes current on the property even though they had evidence from XXXX XXXX that XXXX XXXX had paid the taxes from escrowed funds taken each month in the payment. They said they would hold the {$4000.00} until they had official confirmation of the payment of taxes from the county and adjusted the Closing Statement to reflect that they would not be sending the Taxes to the County for payment. Then, Contrary to what is in the Closing Statement, they sent the payment to the County and now they are attempting to get it back. The mortgage closed on XXXX XXXX and I still do n't have my $ XXXX+ back.
Consumer complaint received 2016-04-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United PanAm Financial Corp. (MS)

United Auto Credit gives me at least XXXX daily phone calls. I can speak to XXXX representative but XXXX more will call me the same day on my cell phone and leave messages each time. I also get emails If I am even 14 days late, I am told that my account is on their desk for repossession or that it is imperative that I call them immediately. I was 1 day late one time and got XXXX calls while I was at work. I also receive calls at XXXX XXXX and XXXX. This is very annoying and I wish it would stop.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

This is an attachment to a previos dispute of fraudelent accounts made to my consumer report. Reason, I forgot to attach proof of my identity. 
Please remove the fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Im not liable for this accounts and procedures were not followed to make sure identity was mine.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I disputed the item with all of the agencies. XXXX has removed the item however I am not able to get the other agencies to remove it. 
This is the item XXXX credit report prepared for XXXX XXXX XXXX Collections Accounts Removed Since your last update on XXXX XXXX, 2016, XXXX collections account has been removed from your credit report. 




Account Type Removed Status Reported By XXXX Collections Removed XXXX
Consumer complaint received 2017-07-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

Collection service of Athens {$690.00} XXXX XXXX XXXX for {$300.00} for {$94.00} for {$120.00} for {$66.00} and for {$120.00} which was all paid by my insurance company so I do n't owe any collection agency anything. Plus I do n't I never signed a contract with collections of Athens or XXXX agency
Consumer complaint received 2017-07-19
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: Asset Management Outsourcing, Inc. (TN)

Nationwide Recovery Service, has placed an account back on my credit report XXXX XXXX, after sending confirmation in the mail that the account has been deleted from credit report in, XXXX XXXX.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I traded my XXXX XXXX in for a XXXX XXXX on X/XX/2017. XXXX told me that they would pay the last XXXX remaining payments on the XXXX XXXX. I received a bill in XX/XX/XXXX for the XXXX XXXX. I called XXXX XXXX and XXXX. They told me not to worry that they were handling it and that it would n't show up as a late payment on my credit report. I then received another bill from XXXX XXXX in XXXX, 2017. This time I drove down to the dealership ( XXXX ) and spoke with accounting. I also called XXXX XXXX. I was told that they were n't sure what happened, but apparently they had some type of accounting error. I was again reassured that my credit would n't be affected. My wife checked my credit report and saw that XXXX XXXX did in fact report a late payment for XXXX, 2017 and XXXX, 2017 to TransUnion as well as XXXX. I drove directly to the dealership and was told they would handle it. Finally, after two months ( XXXX, 2017 ) they cut me a check, in which I turned around and paid XXXX XXXX that very minute. I called XXXX XXXX XXXX different times speaking with XXXX and then again a XXXX requesting a letter showing the mistake made on their part and requesting that they notify the credit reporting agencies correcting and removing the two late payments. I finally received a letter from XXXX XXXX on XXXX XXXX, 2017 stating they would do so. My credit report still shows the two lates payments for TransUnion and XXXX. These two late payments need to be corrected and show paid on time. Not to mention they also showed the XXXX XXXX on my credit report as if I still owned it for those two months when it had already been resold to someone else. This has adversely made my Fico score plummet all because of an accounting error?!! I kept being reassured that my credit would n't be affected.
Consumer complaint received 2016-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/XXXX I applied for a loan modification from my mortgage bank Chase Bank ( Chase bank took over my original Bank Washington Mutual Bank ) Went to a chase mortgage office who only does the paper work for load modification. the paper work was submitted and I was on a mortgage trial from chase. Spoke to the person who was handling my case the about twice during the first month after that I was paying my trial payment on time. Went to the bank and made my payments. Keep making my payments, the one day went to make my payments and was told the bank no longer accepting my payments I must bring the account up to date. When I called the XXXX number to speak to the person who was handling my account/me. I was told she is not to be found and no one knew my account. and did not believe I was on a trial. I was told that I am eligible to apply for a loan modification. I kept applying then XX/XX/XXXX I was serve papers to foreclose after keep applying and help from people and a none prophet organization finally got a loan modification. I was then told by chase Bank because they add some XXXX ( {$90000.00} ) as interest to my loan I no longer qualify for the go government HARP loan modification. My original loan modification was {$1200.00} now its {$2200.00} a $ XXXX.more. and a 4.625 % interest. I had no choice to take the loan. A few months later I found out chase the same the with many other people and there was a class action law suit and chase lost. It appears chase Bank started loan modification with many others and never gave them the final paper work.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-09
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. (FL)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 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.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!