davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-25
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear sir or madam As of XXXX I wanted to refinance for a lower interst rate but I was denied this privilege and I was offered a loan modification in XXXX as the only response to put my monthly mortgage lower, since it was hard for my family to keep up with the payment. I have never miss a payment. 
In XXXX, I decided to refinance to be able to finish to pay in 15 years and lower my interst rate. It was denied many times. I reapplied with my wife XXXX and it went through. in the process of closing my mortgage refinancing that I have started with Bank of America, the bank that managed my mortgage since XXXX. After setting a closing date, bank America was asking me to pay about {$10.00} within 2 hours to be able to close. I did not have that money and still wanted to lower the interest rate that is toxic for my finances. They cancelled the closing. 
I was told this money is a retention from the HUD from XXXX the transaction became official in XXXX as per HUD paper. I can say from XXXX to XXXX I never paid late in fact if you look at my payment history I paid 3 months in advance to catch up. I do not receive a deduction toward my principal for paying several months early. 
Dear secretary of HUD, I will welcome any measures that will allow me to lower my interst and prevent insolvency.
Consumer complaint received 2016-01-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America allowed XXXX withdraws from a XXXX credit card account from my checking account. {$12000.00} taken between XXXX XXXX and XXXX XXXX XXXX all of the payments where sent through a XXXX credit card EPAY system and all were +/- {$2000.00} amounts. 
This is a clear violation of several laws Title III : International Money Laundering Abatement and Financial Anti-Terrorism Act of 2001 - Bank Secrecy Act - PART 353 -- SUSPICIOUS ACTIVITY REPORTS 12 U.S.C. 1818, 1819 ; 31 U.S.C. 5318.
Consumer complaint received 2015-07-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been engaged in a loan modification with bank of America for the past XXXX years. I feel I have been treated unfairly. For months chasing someone to follow up with only to find out they are reassigned or no longer with the bank, but then finally it seemed that we were on track. After filling the same paper work for the XXXX time submitting pay stubs bills etc. again and again finally the modification was approved. I received the conformation letter for the trial on XXXX XXXX 2015 and made the first payment on XXXX XXXX as instructed. Few weeks later the bank called to say that the approval was in error and we have to do it all over again so we did. Now it has been denied for reasons that I do not understand, I have complied with all they have requested, the house is scheduled to foreclose in one week on XXXX XXXX and am not sure what to do. It 's egregious to leave me with no option but to foreclose, while the house still has equity and I would have had more options if I knew this ca n't be accomplished three years ago. I have all the details and supporting documentation, its shows lack of knowledge, misinformation, and miscommunication. Please Help!
Consumer complaint received 2024-10-29
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-08-12
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. (TX)

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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

To whom it may concern : I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy! The information in my credit report and below is wrong. It was never proven to be factual, so now I have decided to exercise my consumer rights! I know I'm entitled to accurate and current information about my finances. So, when the misrepresentation of facts is found on my credit report it can and has had serious consequences! This means I need you to fix these problems right away before they get worse! I am exercising my right to be informed of any inaccuracies on my credit report. I request that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-09-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (NC)

Tidewater Motor Credit charged off loan in XXXX. There has been no activity on this account since XX/XX/XXXX. No contact has been made since XXXX. In XX/XX/XXXX they noted my account at being 90 days past due from XX/XX/XXXX to XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, the noted the account as not report.
Consumer complaint received 2015-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Real Time Group, Inc. (TX)

We have hired an attorney on XXXX XXXX to assist us in contacting Real Time Resolutions. As of XXXX/XXXX/XXXX Real Time Resolutions has not responded to any emails, phone calls or letters in regards to our closed account with them. 

The account was in relation to a mortgage loan associated with our XXXX home XXXX XXXX XXXX. 
Effective XXXX XXXX we no longer carried a mortgage on the home, as we voluntarily agreed to a forclosure. The original mortgage was an XXXX carried by XXXX XXXX XXXX XXXX. 
Not until after XXXX XXXX were we informed that we had a collections account active from Real Time Resolutions for the unsatisfied amount of the Home loan. 

Real Time Resolutions took the debt over after the sale of the forclosure to collect on the unsatisfied amount ( XXXX % ) which after the sale is considered an unsecured loan. 

Payment arrangement have never been made between us and real time resolutions at any time. We contacted them in XXXX XXXX and agreed on a settlement amount to close the collections account. It was then that we realized they have been reporting to the credit bureaus as late for every month up to XXXX XXXX as being XXXX days late. 
An earlier credit report shows a the correct labeling of the collection, but also reflects the incorrect late pay reportings. 
As of today in an attempt to be pre approved for a home loan we have been notified that the label of the account has recently changed to as a " mortgage account ''. 

We brought the matter to our current attorney, and he has informed us that the account has been mislabeled and should be labeled as an unsecured installment loan. We have been attempting to contact them since XXXX XXXX, XXXX at first for the incorrect reporting of late payments and now we are also facing an incorrect labeling of the account. 

Attached you will find the letter showing the settlement paid to Real Time Resolution, and County court docs supporting the sale of the home we no longer owned effective XXXX XXXX.
Consumer complaint received 2016-06-20
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (PA)

The only thing I understand from Financial Freedom 's response is that the monthly statements beginning in XXXX 2016 will reflect the " the estate of XXXX XXXX '' In Their statement they have said that they are waiting for " approval from the court to complete the rescission of the sheriffs sale ''. This leads me to believe that a case has been filed with the court. I therefore request that copies of the documents filed with the court to include name/jurisdiction of the court where filed, date of filing as well as case and docket number. For the record I have never mentioned that funds were advanced to XXXX XXXX. I simply stated that based upon the statements it would appear as such. I have also not received any documents that XXXX or FHA have direct knowledge of this issue or the estate. I would again request that documentation.
Consumer complaint received 2024-10-29
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: Experian Information Solutions Inc. (GA)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (TX)

My name and my father have the same name and our social security numbers are off by XXXX digit. My father had an account with XXXX that went to collections. I currently have a XXXX account that is in good standing and always has a credit going into the next month. I disputed the debt to have it removed from my credit reports. XXXX ( after removing from credit reports ) sold the debt to Resurgent and they are going to report it. When XXXX sold the account they did n't sell the entire record showing the disputes from me. I called Resurgent to see what I needed to do, they asked for my name and social security number, I provided both, they said " ok, we will associate this name and social security number with this account now. '' I have no idea what to do or how to make this stop. Resurgent told me they could just keep selling the debt and they do not have to provide full records so we could keep having this issue in the future. They also told us our only option was to file a police report for identity theft. We called XXXX - XXXX does n't have this past due account associated with my social security number in any way. XXXX says when they sold the account to XXXX they used the social security number for my father. So he did n't steal my identity XXXX and Resurgence just used my information.
Consumer complaint received 2016-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

The Result of Our Re-investigation from Equifax : " If you believe this was unauthorized, please contact the creditor. If you have addition questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OH XXXX Phone ( XXXX ) XXXX. '' On XX/XX/2016 I phoned XXXX per Equifax letter XXXX and talked with XXXX ID # XXXX she verified using my ss # it was not mine. Transferred to XXXX XXXX credit card ID # did not have. Verified my ss # this was not mine, transferred to XXXX in Auto Loans, verified my ss # this was not mine, transfered to XXXX XXXX Customer Service Mortgage Services, verified my ss # this was not mine, transferred to XXXX, XXXX Executive Office, verified using my ss # this was not mine. ( TOTAL TIME I WAS ON THE PHONE 1 HOUR 2 MINUTES ) Equifax needs to be responsible call XXXX themselves, verify and remove the Credit Inquire which hard hit my credit file. This mistake needs to be removed immediately from my Equifax file. This is a careless mistake hurting my credit.
Consumer complaint received 2024-10-04
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. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2016-05-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Burton Neil & Associates, P.C. (NJ)

I was contacted by XXXX XXXX XXXX on XXXX XXXX, XXXX, about a medical bill from a company called XXXX, in the amount of {$3600.00}. I immediately contacted the sender by phone and disputed the claim its entirety, as I had never even heard of the provider, XXXX. I also stated at that time that I had never received any treatment or entered into any contact from the provider. I was told they would send copies of the bill, but nothing ever came. 

The matter was then sent to a collection attorney, XXXX XXXX of Burton Neil & Associates, and on XXXX XXXX, XXXX, I received a letter and again disputed the claim, in its entirety, in writing and requested proof of the claim, as well as any and all copies of agreement and invoices for services rendered. I received no response. 

Instead I then received a demand letter from attorney, XXXX XXXX of Burton Neil & Associates. After receiving said demand letter, I again disputed the claim in writing, indicating that I never had any agreement nor received any services from their client. I again also requested proof in the form of any agreements, authorizations to provide services, signed agreements to pay or bill, as well as itemized statements of services rendered and records of care. They sent none of the requested information. 

Instead of providing any proof of their claim whatsoever, the office of Burton Neil & Associates filed a complaint against me in the XXXX Court XXXX, in which they specifically stated that they had an " Agreement '' in said complaint, when in fact, they knew full well that no such " Agreement '' existed. In fact, to this day, they still have never answered any of my several written requests for proof, have never sent me copies of agreements, copies of invoices, nor any itemized statements of services rendered. I have never hired their client to perform any healthcare for me at any time. 

I am preparing to defend myself in Court against this firm, which I believe is using the Court system as a blatant strong arm collection tactic, when in fact, they know full well that they have no proof of any claim whatsoever. I have found many incidents of this firm doing the very same thing to others, who are laymen when it comes to legal issues. They file unsubstantiated claims in court and then move for a default judgment and attach wages, when the defendants never owed any money to begin with. 

I will not be another victim of this shady law firm and their abuse of the court system. I respectfully request that this matter be investigated so that this firm is exposed for the constant unlawful collection tactics that they continue to exercise.
Consumer complaint received 2016-05-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Pressler & Pressler, LLP (NY)

My funds at my Bank account was taken out without my permission. 
A signature was forged. It was not my own. I never got a letter or a email. I never agreed on that withdrawal at th time. 
This was on XX/XX/2015. For the sums of {$4300.00}. Dlb the amount that is owed. 

I called the dept collection agency, I had to agree to pay {$2100.00}. So that they can release the rest of my money back to my bank account. Seem to be the only way. This was yesterday Now my conditional money that was to be released, has not been obseved. The bank or the dept agency does not know where its at. 

Yesterday i was told that by the dept agency that they needed a signature fax over in order to release the rest of my money. Today the money isnt there. The bank dont have it nor the dept collector.
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CULLEN/FROST BANKERS, INC. (TX)

I have had continuous problem with bank and representatives providing wrong balance including what reflects on the app! I have noticed this usually tends to occur late at nights! Last night I tried to check my account on my mobile app around XXXX am it was out so I couldn't Log in the app. I contacted the XXXX hours customer service they advised me to call after XXXX XXXX  because of the nightly maintenance. I tried to stay awake and called at XXXX pm and explained my concern with the agent and asked her on a recorded call to ENSURE the balance she was providing on my checking account was accurate and final. She cracked XXXX different systems per her claim, and she said my basis was {$120.00} and some change. I advised her of my bad and ongoing experience with bank providing Incorrect information specially night times and she apologized, and acknowledged and refunded some overdraft fees but I woke up this morning to negative {$380.00} balance again!! I indicated Last night to the agent of it occurs again, since its a continuous issue, complain will be filed with CFPB as this is causing me severe financial distress.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

I 've had my credit acquired by someone else and purchased timeshares in my name XXXX and XXXX, that are not mine and I have never claimed them. I 've tried to dispute with the companies and credit bureaus themselves, along with submitting my Government ID and Social Security Card mailed in. I have several Inquiries that I have disputed but to no avail and a Collection and Late from XXXX XXXX which was Paid in Full ( see attached ). 

This is the list of inquiries on my credit report. Mortgage Reporters I 've only allowed XXXX mortgage company to check my credit for a mortgage FACTUAL XXXX ( FDC ). I have not went car shopping, and do n't know why it 's on my credit report. 
XXXX & XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX DEALER XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX LOANS, IN I 've disputed all of these things but they only ask me to resend my Government ID and Social Security Card, yet again. I submitted it the first time with the dispute.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I believe that the XXXX credit bureaus are grading my credit report in a discriminatory fashion and allowing companies to add negative items that are inaccurate and are not being properly varified by the credit bureaus. Which has caused my credit score and report to suffer as a result. And, cause me hardship in my personal finances. Which has allowed lenders to disqualify me for different loan products, such as credit cards and home loans. So basically, it 's not lenders being discriminatory, it 's the credit bureaus. Because the are not making companies report adequate evidence to prove the the validity of the claims, which they would not do to other Americans consumers.
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

I filed a dispute with Equifax and asked that a trade line account for XXXX XXXX XXXX be removed from my credit report that is was inaccurate, last payment on the account was made in 2000, the account was closed and no longer being reported to the credit bureaus by XXXX XXXX XXXX. To date Equifax is refusing to remove this trade line from my credit profile with full knowledge the account in question is in good standing PAID, NEVER LATE and the last payment on the account was more than 16 years ago. Equifax is refusing to disclose how this account is affecting my credit score.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AZ)

I am in the process of a refi on my home. It is important that I have my credit score as high as possible. I spoke with Eqiufax regarding a credit inquire that will be 2yrs old on XXXX. I would like it to be removed on XXXX. They say it will take another month. All they wanted to talk about was selling me a security monitoring plan. VERY AGGRESSIVELY!!! PLEASE help me to have this removed on the 2year date. TIME IS OF THE ESSENCE. PLEASE. 
Thank You So Much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX *********** XXXX