davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2015-04-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MLD MORTGAGE INC (IL)

On XXXX XXXX, XX/XX/2015, I closed on a property that was obtained thru a XXXX loan. The mortgage is with MLD Mortgage Inc. The way the mortgage is set up, I borrowed money for both pruchasing building, and rehab for it. The rehab money is in an escrow account, operated by The Money Store. The process is that we complete some of the rehab, thru an approved general contractor, the work is approved by a HUD consultant, and the money is distributed according to work completed. I was told once the paperwork is completed by the HUD consultant, it should take 3-5 business days for a check to be issued. The HUD review was completed and turned in XXXX XXXX, XX/XX/2015. My loan officer XXXX XXXX turned the paperwork in that day. I have not received any money for the work completed. I have contacted XXXX, and he states he turned the paperwork in, and after that, it is out of his hands. He gave me several people to contact at the Money store to get information on why the process is taking so long. I have contacted every he suggested, I have not gotten any information as to what is delaying the funds being distributed. I actually can not even get anyone to return my emails or call. I 'm frustrated because the contractor for the porch completed the work 4-5 weeks ago and he needs a payment of {$15000.00}, which I do not have. I would like some communication between The Money store so I can tell the contractors when to anticipate payment. I also am paying interest on the money I borrowed, so I feel it is unfair that I do not have access to money I 've already paid for. 
XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXXXXXXXXXX Money store Corporate office ( XXXX ) XXXX XXXX ext. XXXX XXXXXXXXXXXX Dear XXXX ext. XXXX XXXXXXXXXXXX
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

Chase bank is the issue. I made a purchase with XXXX XXXX about two months ago and attempted to cancel the flight as there are numerous emergency landing in the past 8 weeks and also a cabin was smoky. I was told that there is a XXXX cancellation fee for each person when the website stated XXXX dollars. When I questioned this by calling the airline they stated that the fee is XXXX dollars for each. I tried to explain to them that the site uses the word " segment '' not round trip and they is very misleading. Every other airline site has very clear policies. I called them to resolve they will not, I told them I was a credit for the cancellation and all they will do is provide a voucher which means I 'm forced to fly with them EVEN THOUGH I do not feel safe. I 'm flying with a XXXX year old, I refuse to take my child in an unsafe airline, they are holding my money hostage, I have not used their service all I want it my money. I contact Chase via social media XXXX and they took the claim and gave me some non sense that the claim might not be approved after explaining to them these people are fraud and mis leading, I have never filed a claim with Chase ever, been a loyal customer, and I though credit card charges were protected in events as such. There is still no response via social media, I tweeted them about an call and their response was " We will call you when we are able '' extremely unsatisfied, not professional at all! All I want is my funds back on my CC, I have used the service, they are unreliable and unsafe and my credit card should protect me in instances as such instead of siding with the merchant. I have NOT benefited from anything I NEED HELP ASAP!!!
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (NC)

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.

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 2015-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was the victim of identify theft in early 2014 and had money stolen from my checking account at XXXX XXXX XXXX during the period of XXXX through XXXX 2014 through unauthorized charges. I subsequently was able to launch investigations and with XXXX XXXX XXXX help I was able to recoup most of my money. However, I did fall behind on certain bills because of this issue. I incurred various 30 day late payments on XXXX accounts as a result of the identity theft in the period. XXXX 30 day late on my XXXX XXXX XXXX XXXX credit card, XXXX 30 day late on my XXXX XXXX account, and several 30 day lates on my lending club loan account. I have been working with these XXXX creditors and the XXXX credit bureaus ( XXXX, XXXX, and Transunion ) but they do not seem to fully appreciate the issue. I dont feel like I should penalized on my credit reporting which impacts cost of credit and job opportunities when I am the victim. When I try to discuss the issue with the creditors they tell me to speak to the credit reporting agencies. When I speak to the credit reporting agencies, they tell me to speak to the creditors. I am the consumer that is stuck in the middle and neither party can explain to me what the process is to resolve. I have also filed a complaint with the Federal Trade Commission and received an identify theft affidavit. I am including copies of the FTC affidavit as well as several claim forms from XXXX XXXX XXXX where I had to have XXXX XXXX XXXX investigate the claims. The claim documents were provided to the creditors and credit reporting agencies but I could not get a response from them on how to address this issue. Please let me know if you can help me.
Consumer complaint received 2015-08-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (FL)

I opened a {$40000.00} home equity line of credit with PNC Bank secured by my {$150000.00} home XX/XX/2014 with the agreement I would pay XXXX interest on any money borrowed as well as a {$50.00} annual fee. In one XXXX-month period ( XXXX - XXXX ) I paid three XXXX 3 XXXX {$50.00} " annual '' fees as well as two {$30.00} non-sufficient funds ( NSF ) charges that are not applicable to an account of this type. All but one of the {$50.00} annual fees are improper and should not be applied to my account. It is possible I have paid other fees, but the bank has refused to provide me access to my prior account history online. Two of the {$50.00} annual fees are improper because, obviously, I have only agreed to one {$50.00} annual fee per XXXX-month period. The NSF charges are improper because I have monthly payments automatically deducted from a PNC checking account, and the history shows no attempted withdrawals from that account during times of insufficient funds. XXXX One PNC customer service rep told me the NSF charges were prompted by an attempted withdrawal by PNC from an account that was different that the one I had set up for automatic payments and belonged to someone else. ) I have attached a screenshot of my account that shows the improper " annual '' fee and NSF charges. The bank has refused, despite several phone calls and more than XXXX hours of my time, to refund the improper charges.
Consumer complaint received 2015-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Arbitration Forum (AZ)

I 've reported this company before. Now they 're back to the same sort of robocalls I got at first that do n't mention who they 're calling for or that this is a debt collection. Here 's the transcript of the message : This is a final courtesy call from XXXX XXXX XXXX before reporting that you 've been uncooperative any investigation against you if we do not hear from either yourself or your legal representation today we will be left with no recourse other than to report your noncompliance in this issue to the proper jurisdiction. Our office number is XXXX, please reference & lt ; call ended & gt ;.
Consumer complaint received 2015-03-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I refinanced my home and chose to preserve my Home Equity Line of Credit with Bank of America. They advised we would need to process a subrogation agreement which would take XXXX business days. That fell within the close date of XXXX XXXX, 2015, so we proceeded to pay the fees and process the subrugation. Bank of America missed the deadline by several days resulting in my being charged over {$3500.00} in interest from the original mortgagee because we went well into XXXX before the refinance was completed.
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2015-05-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MN)

I have been receiving these types of letters since last of XX/XX/XXXX. I have spoken to a XXXX of representatives on your end in regards to this. The XXXX of times that I have called all representatives were unable to provide detail information as to why there is a " charge-off balance '' from XXXX? I am and have been a current provider with XXXX and can not be provided with an explanation as to why? I do not want this inaccurate information to be effecting my credit for something that is not irrelevant and or current when XXXX is my provider and have never had a problem with my bill and it being paid on time every month. 

My thoughts, concerns and question is WHY after 4 years ( charge off last payment XX/XX/XXXX which is nto true I can show I pay my monthly bill ) was this being brought to my attention in XX/XX/XXXX? Why ca n't anyone from MCM tell me XXXX who is and has been my provider sent this off? 

If MCM and nobody in the business end can provide me with any of the following information to explain to me who, what, when, and why this has happened, I wish MCM make no more contact or communication with me and wish to please be forgiven of the mysterious " charge-off '' I owe in the amount of {$190.00}. I have done all that I can do by receiving these letters, following up with MCM and I get the same run around with no answers to my questions and especially this debt going on for 4 years is now unacceptable with no resolution.
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GU)

I am currently a victim of financial fraud and Identity theft where unauthorized charges were made on all of my credit accounts and although I incorporated automatic monthly payment procedures on all of my credit accounts, culprits within the credit bureau, within my creditors, and from within my bank, misutilized my credit record, and further recorded erroneous late payments on my EQUIFAX, XXXX credit files. In addition, they attempted to hide their criminal activity by marking more than XXXX my lawful good credit accounts off as CHARGED OFF and XXXX account as a Collection. Myself and XXXX XXXX services incorporated a credit correction campaign spanning more than three years. Despite our lawful attempts to correct and remove the erroneous late charges and delinquencies from my credit files, EQUIFAX, XXXX, have continued in violation of federal law, in violation of fair pattern and practice, and in violation of my civil and constitutional rights, reporting erroneous credit information severely damaging my attempts to buy a house, a car, and to rent. I am severely devastated by their negligence. I am currently a victim in the XXXX. My Victim identification number is # XXXX. I am defamed, slandered, and suffering severe mental anguish. And even though the erroneous late payments and account statuses have been continuously in dispute, EQUIFAXXXXX, have continued to report the disputed accounts to potential creditors!!! Please help. Remove all late payments and restore all of my credit accounts to PAID AS AGREED. The status all of my credit accounts were in prior to XXXX 2013. All were PAID AS AGREED and NEVER LATE.
Consumer complaint received 2015-05-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

I am currently working with XXXX XXXX Opportunities aHUD approved agent. We have been trying to lower my percentrate to allow me and my family to keep our home. I have hadseveral hardships over the course of our loan that has put meand my family under financial strain. We have been in the processfor a year and half now. Everything we do seems to be wrong. 
They have asked for check stubs, hardship letters, tax information, employer letters, unemployment information, bank statements, and credit reports. We have submitted theses packets at least XXXX over the course of working with HUD. The packet was sent viapriority mail so that they would have a hard copy and and we would have a copyin our records. Everything we send seems to be missing or they can not read it. 
We have submitted paystubs again because they can not read what was sent. 
This time we have faxed again and submitted a hard copy priority mail. 
With a tracking number and signature needed again. Even my Hud agent isbaffled by the way Beneficial has handled our hardship. They have changed our pointof contact several times. When we finally received confirmation thatthey have all documents and they can read them on a XXXX way call. 
They change the point of contact and say they need more and now thethe point of contact can not communicate with my HUD agent. 
Which is really confusing when she has a XXXX party approval. She is myHUD representative. They even had us fill out XXXX party forms XXXX because theyclaimed that the formed expired even though it says it is good fora year. However, it expired after 6 months. Now they say that it is therepolicy they do not talk with XXXX part reps. That she now has to talkdirectly to Loss Mid directly. Why do the rules keep changing. 
Everytime they call or send a letter it states how they want to workwith me and give HUD numbers and then they give us this completerun around. I have come to the conclusion that they think if they keepmaking us jump through hoops and basically giving blood test andnothing is going to work because they think we will just give upour home with out a fight. I love my home and will work hard to keep it. 
My percent rate has been a 10 %. I have already basically paid for myhome once and with percent rates as low as they are you think theycould help us as they state every letter and phone call. All I amasking for is a lower percent rate and obviously a lower payment some and my family and keep our home. We are a working family. 
I work anywhere from XXXX to XXXX hrs a week. I am not on welfare. I paymy taxes and make donations to those in need. What else dothey need. Please help
Consumer complaint received 2015-05-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

Ocwen uses Fraudulent Practices to Try and Seize our HomeIn XXXX states Ocwen is known for their predatory lending practices, dual-tracking loan modifications and robo- signing of documents. Now it is happening again here in IL to US! 

When Ocwen could not sale our home, they tried to buy it back for themselves on behalf of the bank at a much lower price, after they had charged off our entire principle balance. While at the same time putting us through a loan modification process for a much higher price. In addition, in rare cases are foreclosure filed in federal court, however, our is such a case. While the XXXX judges constantly denied the confirmation of the sale to Ocwen, in this latest event on XXXX XXXX, their attorney advised them to proceed with the sale in lieu of the Judge 's order. How is that possible? 
Where do we go from here if:1. Ocwen was allowed to charged off our property, issued us a XXXX, closed the account and have no communication with us the borrowers2. Then turn around reinstate the account for purpose of a Sale, without a court order? 
We are asking you to investigate this company and help us TO SAVE OUR HOME!
Consumer complaint received 2015-08-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

My vehicle was claimed as exempt in my ch XXXX bankruptcy. 
{$0.00} I have a no asset case. 
Portfolio recovery agency who is NOT the leinholder repossed my vehicle and requires {$26000.00} to buy my vehicle back. ( sidenote : this is more the purchase cost of the vehicle I bought in XXXX ) ( I filed ch XXXX in XXXX and converted to ch XXXX XXXX XXXX ) I am disputing this debt.
Consumer complaint received 2015-11-02
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

This summer I started the process of refinancing my home with Bank of America to lower the monthly payment. 
When I initially spoke to the loan officer, around XXXX XXXX, 2015 the discussion of the configuration of my home was discussed, that there was a guest suite in the lower level of the home. A friend of mine is staying there at this time. There was no discussion that this would be a problem. 

After I satisfied numerous concerns that were raised as to income, insurance etc. there was a call XXXX asking for a charge card so an appraisal could be done. At this point the only concern The loan officer addressed was that the house would appraise at least {$180000.00}. At this point there was no mention of any problems. The fee charged on XXXX XXXX was {$460.00}. 

After the appraisal was completed, I was asked to provide another letter of explanation for XXXX items. After I provided these I did not hear from the loan officer until I contacted him on XXXX XXXX to ask the status of the loan. When he contacted me he stated he had made multiple attempts on getting an update, there was nothing left remaining on my file. He was to double check. 

On XXXX XXXX late in the afternoon I received a call stating that the underwriter had refused the loan because there was a kitchen on the lower level. This was the first time this issue had been raised. This is a fairly common configuration in houses in this area. 

Needless to say I am concerned about the money I have invested in the appraisal of this property and would like to address my dissatisfaction with the way this matter has been handled. If this loan does not go through I would like to be reimbursed for this expense.
Consumer complaint received 2015-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (TX)

XXXX XXXX XXXX sold my mortgage to Specialized Loan Servicing effective XX/XX/XXXX. All the terms of the loan were to remain the same including escrow and insurance and tax payments. I just found out XX/XX/XXXX that they have been collecting the escrow and not making any insurance and tax payments which have become delinquent and incurring penalties. I contacted SLS about this and getting a refund of my escrow in order to pay my delinquent taxes and insurance premium and I can not seem to get a straight answer or my money, they do not return calls and their practices are fraudulent. The web is littered with all sorts of complaints and lawsuits against this company and they need to be investigated for fraud.