davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, I tried to personally deposit my XXXX XXXX XXXX check for XXXX $ at a Bank of America branch in XXXX, CA. Hoping I could have immediate access to the funds, the teller mentioned the funds wont be available for the next few days as it was only for deposit and they would have to check availability of payer funds ( XXXX ). 

BofA has been putting a check hold on all deposited checks since the start of 2023 in which my account has incurred accumulating overdraft fees. 



XXXX issued the check XX/XX/2023 # XXXX
Consumer complaint received 2023-08-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rapid Mortgage Funding Inc. (PA)

Rapid Mortgage Funding ( RMF ) located at XXXX XXXX XXXX # XXXX XXXX XXXX MI XXXX, made promises and guarantees, to which they have not followed through with. The agent I spoke with was XXXX, who pitched a streamline loan product that started at 6.37 % and would streamline to 3 % 6 months after my first payment. RMF is not honoring this product as promised and guaranteed. I am sure phone records can be pulled, along with a letter that I rescinded the initial agreement. I then let them talk me back into the product based on the guarantee that I would be at 3 % in 6 months. I have complied with the stipulations that I was told I needed to adhere to, which was to simply maintain my payments on time. All these claims were made verbally. I do have some emails that I send in relationship to this company. 
According to internet research, this company has similar complaints filed for the same activity. This company is unethical, dishonest, and should be shut down. They have built themselves by scamming XXXX XXXX, such as myself and, according to a little digging, it appears as though they have pitched this same product, or have made similar promises to other XXXX, who have also fell victim to their scam.
Consumer complaint received 2023-08-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Louisiana Recovery Services Inc. (LA)

The collection company Louisiana Recovery Service ( XXXX XXXX XXXX XXXX XXXX, XXXX, La XXXX ) was reporting a medical bill on my credit report. The high balance on the report was stated as {$1000.00} and the balance on the account was XXXX. After I made a big purchase ( and not getting the best deal ) I was told about this collection account on my credit report. After disputing this more then once with the credit bureaus it always resulted in updated report. Upon further request and calling insurance company I was informed that the billing amount for this service was {$1000.00} and after the insurance paid the balance was XXXX. This balance is still being investigated because I'm almost positive I paid this. Anyway, because of the new laws that they president implemented, this collection agency was falsely reporting amounts to keep this on my credit report. This is not fair and unjust!. I had to spend weeks to speak to all of the credit bureaus to get this removed.
Consumer complaint received 2023-08-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

On XX/XX/XXXX we had a forbearance plan ( due to the Covid pandemic ) until XX/XX/XXXX when we voluntarily took ourselves out and began making regular payments after the required three-month trial period. We were told that we could put the money on the back of the VA loan and make regular payments. We never received the modification agreement packages that we were promised. We continued to pay from XX/XX/XXXX to XX/XX/XXXX. They never sent the full modification paperwork agreement. However, they finally sent a partial claim but that was not what we agreed to. We originally were offered the full modification ( that program twilighted that we originally agreed to for a full modification ). Then they ( the mortgage company ) declined us and made a false report to the credit bureau and to the VA that we were not making our payments and that they are going to proceed with foreclosure. So we reported to the credit bureau that it was not true and to our VA that it was not true and sent in all of our payment receipts for review, The mortgage company corrected the credit bureaus to show that we are 100 % good, but filed a default judgment in the county office for nonpayment. We discovered that they did not apply any of the payments we made to any of our accounts ( without our knowledge for over a year it was put into a suspense account ) and charged us from XX/XX/XXXX to XX/XX/XXXX interest 3.25 % fee for all the payments that they did not register to our account although they were accepting payments. We tried to sell our house because of the negative remarks and the constant letters of foreclosure and knocking our credit scores from XXXX to XXXX whereas, by their false claims, we could not even do a refinance or borrow money from anywhere else because they messed up our credit score by continuously inquiring and denial of our credit when they assured us that we could do a home loan. And because it was our mortgage company that would do the loan whereas they even had us do an appraisal ( they ultimately refunded me the fee after I complained that they knew I did not qualify because of the low credit and the constant inquiries and denials, of course, brought my credit score down. And afterward informed me that my credit score was too low to do anything. Now that we are put in default we must sell our house for way under value. And threatened that if we do not do it we will lose our VA entitlement and credit be messed up even more. We believe that after we supplied the proof of our receipts to other agencies the mortgage company purposely stopped accepting our payments to be able to default on our home and this is unfair practice and should be investigated thoroughly. Furthermore, we tried to take equity from our property so that we could settle our bills and pay arrears but they constructively caused us financial upheaval while also ruing our reputation and creditworthiness.
Consumer complaint received 2020-03-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have reached out to Transunion on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX account number XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. Transunion has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied. 

I challenge the accuracy, compliance and reportability of this listing.
Consumer complaint received 2023-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

I purchased my home in XXXX for XXXX for {$240000.00}. It appraised for {$240000.00}. 
On XXXX I made a principal payment of {$1200.00} that dropped my principal to {$180000.00}, which is less than 78 % LTV and according to my original loan officer and the homeowners protection act of 1998 my PMI should automatically drop. I messaged Freedom Mortgage on XXXX and XX/XX/XXXX explaining that I was less than 78 % LTV and asking them to confirm my PMI would drop. I had multiple conversations on the phone with people, they would say my LTV was fine and another department would have to fix it, then I would get a message that my LTV is above 80 % and I need a BPO. Or they would say my LTV is fine, but XXXX XXXX is still requiring a BPO. My original mortgage officer was on this call and was emphatic that that is not the law and it should drop at 78 %. They could never tell me what their math was. So I waited for my XXXX statement to post thinking maybe the department that calculates it is behind on payment information. On XXXX I made a monthly payment, which was factored into my next statement. My current principal balance is {$180000.00}. I messaged Freedom on XXXX with my math and again asking them to confirm my PMI would drop and I wouldnt be charged it anymore. They responded today that my LTV is above 80 % and I need a BPO.
Consumer complaint received 2023-07-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Total Card, Inc. (CA)

Account name XXXX XXXX XXXXXXXXTOTAL CARD Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$620.00} written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$350.00} Highest balance {$620.00} Terms This should no longer be on my credit its past 7 years
Consumer complaint received 2018-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I disputed the debt in collection with XXXX XXXX in the amount of {$970.00}. According to the debt collector XXXX XXXX the debt was charged off in XX/XX/XXXX.  According to Capital One the account was closed on XX/XX/XXXX- to which I had a XXXX past due balance. Im currently disputing the debt and have been in contact with the debt collector due to inaccurate dates and amount owed and they refuse to accept my dispute/claim. I believe this debt collector is reporting inaccurate and outdated information.
Consumer complaint received 2018-12-19
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. (CA)

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2020-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America began withholding funds from banking deposits for over a week and not make the funds available. This is a shameful practice during this time of difficulty. And I have my account with them for over 2 decades. And the check is issued by XXXX too - from an institutional account.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for their failure to correct inaccurate information on my credit report, despite my previous efforts to resolve the issue directly with them. This inaccuracy involves a closed account that was fully paid ; however, TransUnion continues to report this account as charged-off. This erroneous reporting has resulted in significant harm to my credit profile and has led to multiple credit denials, negatively affecting my financial well-being. 

I sent a dispute letter to TransUnion on XX/XX/year>. I mailed the letter using the XXXX certified mail delivery and return receipt. TransUnion furnished investigation results stating that their investigation towards my dispute was complete. TransUnion stated that the account in question with the was verified and all the reporting information was correct. I tried reaching out to TransUnion via phone but the automated system was of no help. I have applied for a credit card with a company and was denied to the inaccurate information that is being reported by TransUnion on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( 15 U.S.C. 1681i ), credit bureaus are obligated to conduct a reasonable investigation upon receiving a dispute regarding the accuracy of information on a consumers credit report. I have submitted a formal dispute to TransUnion regarding the status of this account, providing all necessary documentation to demonstrate that the account was fully paid and closed. Despite this, TransUnion has failed to correct the reporting and continues to maintain that the inaccurate charge-off status is valid. This conduct is in direct violation of the FCRA 's requirements for accurate and fair credit reporting. 

This failure to investigate and correct the disputed information has not only caused me emotional distress and inconvenience but also tangible financial harm due to credit denials. Therefore, I am requesting that the CFPB intervene in this matter and conduct a formal investigation into TransUnion 's handling of my dispute. I believe that TransUnion should be held accountable for this violation and should be required to correct the information immediately. 

Additionally, I am requesting that TransUnion be held liable for punitive damages under Section 1681n of the FCRA ( 15 U.S.C. 1681n ), as their conduct in this matter demonstrates a willful disregard for the accuracy of my credit report and the standards mandated by the FCRA.I appreciate your attention to this matter and look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/XXXX, I called Synchrony Bank to make a payment arrangement for a bill that was not overdue. I then found out that they randomly lowered my available credit amount based on a credit report they ran for me. This in turn lowered my credit score, which in turn causes them to lower the credit limit on yet ANOTHER credit card i had with them and AGAIN impact my credit.

They have no explanation and Id like to know how this is remotely fair, as it seems like a XXXX XXXX.
Consumer complaint received 2023-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OR)

Shellpoint mortgage is a mortgage servicer that my mortgage was transferred to. They are mistreating me repeatedly while Im trying to save my home from foreclosure.

The mortgage servicer failed to honor their promise to work with me on modifications for loans transferred from my prior servicer. They demanded payments before providing loss mitigation options, delayed decisions on any loss mitigation options, and harassed and threatened me now that Im overdue.

I believe their delay of 9 months to respond to me, is due to waiting if I would be approved for XXXX. 
They are demanding 9 months of overdue payments, which is unfair considering I contacted.

them for 1 missed payment.

Because I missed 1 payment, they demanded 2 months plus fees ( an amount I could not afford ), the next month I called to pay.

Ive let them know every month I can make a payment, but they refuse and fail to work with me, because I struggled for 1 month, by prioritizing collecting total overdue.

payments instead.

I DO NOT BELIEVE SHELLPOINT IS COMPLYING WITH THE LAW. I DO NOT BELIEVE FORWARDING THIS COMPLAINT WILL HELP ME, BECAUSE THEY HAVE RECEIVED ONE ALREADY. I DO BELIEVE THEY WILL RETALIATE AGAINST ME IF THIS IS FORWARDED TO THEM. I NEED CFPS TO LOOK INTO THE WAY THEY ARE TREATING ME AND POSSIBLY OTHERS, AND TO DO SOMETHING ABOUT IT. COMPARED TO OTHER CIVIL PENELTY CASES HANDLED BY CFPS, THE SAME VIOLATIONS, IF NOT WORSE, IS HAPPENING TO STRUGGLING BORROWERS WHO WANT TO SAVE THEIR HOMES AND WHO WANT TO MAKE THEIR PAYMENTS, AT SHELLPOINT MORTGAGE SERVICES.
Consumer complaint received 2018-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

We went to three different lawyers who told us that we could receive a loan modification. 
We were not behind on our payments when we went to the first lawyer. After paying over {$15000.00}. the lawyer could not be found and his office closed. The Second lawyer reassured us that they could get an approval and they tried to get us to do a short sale and sell to an investor. The third lawyer listed in this complaint is the one who has filed a a bankruptcy to stop the sale of our property. The mistakes that were made because of the advice of the attorneys. We are employed have steady jobs pay our taxes and we want to keep our home. 
We tried to speak to Bayview to work with them, but they put a sale date on our home. 
We want to work directly with Bayview. 
Please help us. Thank You
Consumer complaint received 2023-07-06
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. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-08-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to bring a grave matter to your attention, seeking your intervention to enforce my legal rights and rectify a distressing situation that has deeply impacted my life. My purpose in writing to the Consumer Financial Protection Bureau ( CFPB ) is to implore your assistance in rectifying violations that have occurred under my credit report, thereby ensuring my rights as a consumer are upheld. 

Creditor Details and Violations : XXXX. XXXX Account XXXX : XXXX Issue : The presence of this account on my credit report has had a profoundly negative effect on my financial well-being. 
Violations : Potential violation of the Fair Credit Reporting Act ( FCRA ), particularly Section 623 regarding responsibilities of furnishers of information to consumer reporting agencies. 

XXXX. XXXX XXXX Account XXXX : XXXX Issue : The inclusion of this account has caused undue stress and has hampered my ability to pursue crucial financial endeavors. 
Violations : Potential violation of FCRA in case of inaccurate or unverified reporting. 

XXXX. XXXX XXXX Account XXXX : XXXX Issue : The presence of this account on my credit report has impeded my efforts to secure favorable lending terms. 
Violations : Possible violation of FCRA if inaccuracies are present on the credit report. 

XXXX. XXXX Account XXXX : XXXX XXXX : The inaccurate reporting of this account has hindered my financial stability. 
Violations : Potential FCRA violation due to inaccuracies. 

XXXX. XXXX XXXX | XX/XX/XXXX Account Number : N/A Issue : The impact of this account on my credit report has led to unwarranted financial setbacks. 
Violations : Potential FCRA violation if inaccuracies or unverified information is present. 

Personal Story and Request for Resolution : [ Share your personal story here. Describe in detail the XXXX  and XXXX XXXX  caused by the presence of these accounts on your credit report. ] I implore the Consumer Financial Protection Bureau to wield its authority in addressing these issues and enforcing my rights as a consumer. I earnestly request that the aforementioned unverified accounts be expeditiously removed from my credit report, allowing me to restore my financial standing and pursue my life goals without unwarranted hindrances. 

Your intervention in this matter would provide much-needed relief and restore my faith in the financial system. I am committed to cooperating fully to rectify these issues. 

Thank you for your prompt attention to this matter. I can be reached at [ Email Address ] or [ Phone Number ] to provide any additional information you XXXX require. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have a foreclosre sale coming up on XX/XX/2018 and Select portfolio is snot removing the sale which will be in violation of my Home Owner Bill of Rights. Time after time this is a never ending battle with Select Portfolio Servicing to receive a loan modification. Im still having issues and have very big concerns regarding my home and Select Portfolio Servicing. They have placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review. 
As soon as it seems like we are moving forward with the review process they are in need of something else. Finally they said they have all requested documents in their Ombudsman department. 
SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale when asked Select Portfolio Servicing they say its still active. How if im in review they still have the sale up. Im really worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over three years now and I can not get an offer. Im ready to pay my mortgage but need help setting up and receiving a loan modification. 
Even when Making Home Affordable program was in use in the U.S the  company still prolonged the process for us and never gave us any offers or options through the program until it expired by the government. This is deceptive ways to get the borrower out and not to give them the loan modification.