davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MO)

We received an escrow analysis statement approximately XXXX XXXX, 2016 informing us that our monthly payment will increase due to a shortage in our escrow account. Upon review of the analysis statement, Roundpoint Mortgage is attempting to double-bill us for our hazard insurance. I have called them four ( 4 ) times ( beginning XXXX XXXX ) trying to get this straightened out, and always the same answer : we will review and get back to you. No one calls. I have never received a corrected analysis. XXXX each time I call them, it is delayed again. I am not getting a straight answer even when I ask to speak to a supervisor. In fact, the second call I placed and asked for a supervisor, the man with whom I was speaking asked me WHY. 

We bought our home last year in XXXX. Roundpoint bought our account before our first payment was due. We set up electronic payments through Roundpoint so that they get paid on the first of each month, and we have never been late. We have not changed insurance companies. 
As you can see on page XXXX of the attachment, our insurance company was paid in XXXX. ( I have highlighted the pertinent information for your reference. ) Roundpoint indicates another projected payment in XXXX, which would effectively put us in the negative. A payment which was never made, nor was it owed to the insurance company. Our agent advises the insurance company received our payment in XXXX ( the {$1200.00} payment ) and never received a second payment. HAD they received the alleged {$1400.00} payment, it would have been returned to Roundpoint. The insurance was paid in full with the {$1200.00}. It is that second payment which they claim they made and took from our escrow that put us in the negative.
Consumer complaint received 2016-07-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Innovative Credit Solutions (PA)

I have no clue who these people are they just appeared on my credit report as collection. I have never received any kind of documentation from them, I got their address off my credit report sent a letter asking for validation but never received it. I do get phone calls about once a week from an automated caller telling me he will be serving me with papers at either my residence or place of employment but nobody has ever showed up at either place. I want this removed from my credit because all of my accounts have been in good standing for last 8 years.
Consumer complaint received 2024-09-05
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)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX Balance : {$2300.00} XXXX  XXXX Balance : {$810.00}
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX XXXX, XXXX, ( XXXX NC ) sent my credit card to the wrong address setting up the path for XXXX late fees. The fees then set the card to cancel and give me and my dad lower FICO scores because of the bad credit ping
Consumer complaint received 2024-08-13
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: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-03-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (CO)

SYNCB/Amazon is reporting an account on my credit as derogatory that is not mine. I have never ordered anything from or had an account with Amazon. I have reported the error through the credit reporting agency and all XXXX of the major credit bureaus are still insisting that this is my account. I have never received any statements or phone solicitations regarding this account. I was unaware of it 's existence until it appeared on my credit report. The name on the account is a name that I had previous to the claimed opening date of the account. After repeated attempts to contact Amazon, I was finally able to actually talk to someone and they referred me to their attorney. I called the attorney 's office and was requested to submit a signed statement to them in writing that I would not dispute the account in question before they would even talk to me about the account. I 'm not about to sign such a statement since this account does not belong to me. Even though I was finally able to talk to a representative at Amazon, I have not been able to find out any further information regarding this account. Since this account is being reported on my credit as a charged off account, it is negatively affecting my credit score and my ability to obtain credit. Thank you.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM FILING THIS COMPLAINT BECAUSE TRANSUNION HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USE TO VERIFY THESE ACCOUNTS. ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA- THEY ARE REQUIRED TO 'PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE. I SENT IN A THEFT REPORT NOTARIZED AND A COPY OF MY DRIVER LICENSE AND COPY OF MY SS CARD
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The XXXX account # XXXX is showing a negative 30 day mark on my credit report for XXXX. I have called them to dispute this multiple times as I was not aware that a payment had not processed. As previously stated to them, this was set up on auto pay with my XXXX account, NOT home depo, and for whatever reason did not get to them. When I was notified, I immediately paid the account and it is even paid in full/off. XXXX XXXX had very good customer service and understood what happened, they refunded all the fees and late fees associated with the error. I appreciate that, however I do not feel this should have been reported on my credit report. I have talked to multiple representatives after, and they all advised that once reported they cant remove. They again proceed to say we updated everything on there end and credit me any fees, however I am disputing the 30 day late reporting on my credit report. I kindly ask you please remove or advise what next step I need to take as I strongly feel this was incorrectly reported.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2016-11-04
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX, XXXX, I was only approved for only {$1000.00} limit BofA Credit Card BECAUSE BofA said in writing I still had a {$50000.00} open line of credit with the firm! 

the bank stated the personal commercial line of credit for {$50000.00} was still open at prime plus XXXX pts and i was welcome to use it. When I tried to use it, I was told it was too old to use anymore and that I had to request it be closed and to ask for a new one that meets current BofA loan guidelines. So I did. but, no one has updated my credit reports to show it was closed, never late and paid as agreed. 

I have spent the past five months haggling with BofA mortgage dept to close the commercial line of credit and update my credit report it was paid in full & never late to no avail. That is a FCRA requirement! it has been open since XXXX and never closed by BofA due to negligence! 

I also asked them to terminate my personal Guarantee as well. I received a letter XXXX XXXX, XXXX that the loan was finally closed and my guarantee was terminated and that the credit report would be updated as paid as agreed, never late and closed. THAT NEVER HAPPENED! 

BofA archives Dept, Credit Card Dept, Commercial Mortgage Dept and Executive Resolution Dept each apologized for the FIVE month mixup until today. 

In a letter XXXX XXXX, XXXX, Pa A Mortgage some Resolution Specialist threatened to sue me if I contacted the bank again. I consider this an FDCPA violation and an FCRA violation and I want CFPB to order BofA to update the XXXX major Credit Reporting agencies I paid my bill off as agreed, never late and it is now closed! 

ALL I WANT IS MY CREDIT REPORT UPDATED THAT THE LOAN WAS PAID OFF AS AGREED, NEVER LATE AND CLOSED XXXX XXXX AND THAT I AM NO LONGER LIABLE!
Consumer complaint received 2024-08-13
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. (IN)

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-13
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (AL)

After XXXX technical issues with XXXX XXXX XXXX XXXX  I called XXXX for an e-mail error whom confirmed a XXXX Cyberattack on that day suspect ( XXXX & XXXX XXXX ). With my house being vandalized, my best friend indication XXXX XXXX was working with Cybersecurity or hacker XXXX XXXX and his change in character with attempting to use a vulnerable protected adult in the Privacy of my home to coerce, intimidate, & Blackmail me I discarded my devices and ran to a hotel to file a report on the attacks and incidents to the police. As inactive Financial Advisor under non-disclosure and beneficiary ownership with Wells Fargo, the company, and/or the firm w/ independently contracted with XXXX XXXX XXXX XXXX assigned less than {$100.00} XXXX in assets I was very concerned about the intentions of the blackmail. I was kidnapped and have been held under judiciary misconduct of which i have reported to the US Marshals and several government agencies in my investagative role on suspect XXXX XXXX & XXXX XXXX XXXX & other threat actors possibly participating in a Hostile Takeover using me as leveraged buyout and extortion of XXXX negotiations against Wells Fargo seemingly resulting in a {$1.00} XXXX dollar lawsuit through XXXX. I suspect XXXX in XXXX XXXX XXXX Attacks and attempts at XXXX XXXX will they leverage this situation against my XXXX XXXX Wells Fargo Bank for extortion, Espionage, data slavery, distorted social justice causes with threats of XXXX XXXX  me if I do not agree to a misdemeanor delivered through my XXXX  XXXX XXXX XXXX 
The XXXX XXXX Clerk made an error by not submitting a No Appearance when the indictment says XXXX XXXX arrested herself. 
The Prosecutor has failed to dismiss the case for 3 years. with refusal to cooperate. I am a legal representative, XXXX XXXX, XXXX XXXX XXXX of peace initiatives. Under impunity to attempt to prohibit a Double Jeopardy and Immunity for diplomatic efforts to keep our Peace Treaties and IBTA 's Safe. 

This is obviously a reporting error because I can NOT XXXX any person willingly and knowingly committing Global Terrorism costing 5 % of our GDP per year, creating mistrust between foreign relationships and boycotting the Breakdancing Olympics and purposefully impeding and obstructing government agency operations. possibly a work for hire undisclosed or a undisclosed XXXX XXXX XXXX with XXXX XXXX from XXXX, XXXX. 

Any assistance in peacefully resolving this concern saving myself from the precursors of XXXX XXXX, organ trafficking, domestic & foreign suspicious activities, and human trafficking would be excessively appreciated with immense gratitude. 

I
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-01-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had an account with Bank of America , Home Loan, that has since been closed with a XXXX balance. They are reporting the date of last activity, or last payment made on XXXX, which is correct. This information is now outdated, and should have been removed XX/XX/XXXX, which is 7 years from the date of last activity. I have disputed it with the credit bureaus, and XXXX and XXXX have removed it, but XXXX kept it on. I disputed it with XXXX again, and they said to contact Bank of America. I sent BOA a dispute, and they simply sent a form letter stating that their " records confirmed the information is accurate ''. They gave me no proof and no indication of their " records '' or how they obtained their decision. They are violating the FCRA and this is damaging my credit.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of id theft and it has been an on going issues for me verifying accounts reporting on my credit some of which are unknown to me, I request that you please forward all information pertaining to the opening of this account opened without my authorization.
Consumer complaint received 2016-05-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is my SECOND complain exactly on the same issue. XX/XX/XXXX after filing my my original complaint Bank of America agreed and " corrected '' the problem until XXXX XXXX when the exact same TEN DAY HOLD issue started again XXXX I have a large XXXX Mortgage " Line of Credit '' with Bank of America. Whenever I make a loan payment over {$5000.00} ( which I do often ) BoA places an automatic TEN business DAY HOLD on each payment EVEN if my payment is made by a Federal Wire Transfer and even on my business checks written from Bank of America on the grounds that they unilaterally determined that any payment over {$5000.00} is " suspicious '' EVEN wire transfers and checks drawn on their own bank. Given the definition of a " Line of Credit '' typically involves a certain velocity velocity for large payments and withdrawals. TEN DAY HOLD is simply stupid
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I applied and received a Bank of America credit card 15-20 years ago. The card was issued with a 5.90 % fixed rate. I was just reviewing my statement and noticed that my rate has been changed to a 6.40 % variable rate. Is the issuing agency allowed to change my rate from a fixed ( as agreed ) to a higher variable rate without my knowledge or permission? I contacted Bank of America but they were unwilling to reverse the changes that they made.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im deeply upset to see unauthorized inquiries on my credit report, which I discovered this afternoon. I routinely check my report, but this time, I was shocked to find discrepancies. Refreshing my browser didn't fix anything, and the issue remains. Im asking for a thorough review of the documents Ive submitted so that I dont have to deal with this stress again.
Consumer complaint received 2024-09-05
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. (MA)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}