davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolios Recovery Associates, LLC are in Direct Violation of The Fair Credit Reporting Act, has violated several of my rights. Is reporting a debt that is not mind on my credit report with the amount of {$1100.00} that does not belong to me. I have been contacting them several times a year from XXXX XXXX XXXX XXXX  to get this removed from all three major credit bureaus. 
They still have not removed the information. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.
Consumer complaint received 2016-01-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

After nearly a decade of business with Bank of America, I recently inquired for a Credit Line Increase. Over the years I have held active, but never delinquent, Personal Checking, Savings, and Credit accounts with B of A. My credit rating is top tier, thus I did not expect to find myself in the scenario Bank of America placed me in and feeling discriminated against. Upon requesting my Credit Limit Increase on my traditional XXXX Credit Card, I was immediately declined. While this news was shocking, my real goal was to capitalize on an opportunity for cash back which is XXXX of the only incentives offered by my particular card held with B of A. Due to this, I was not disappointed with the decision to decline my increase request. However, upon contacting B of A by phone I was denied the opportunity to receive my decline reason. Instead, after speaking with XXXX representatives by phone and XXXX chat support associate, I was told by each that they could not provide that information and I would not be permitted to speak with a Credit Analyst/Specialist to review my Credit Line Increase request. After several hours straight of going back and forward on the phone, I was eventually in verbal communication with the Credit Analyst/Specialist department who disclosed the nature of the decline. It was for insufficient of lack of a savings account with Bank of America. This is where I feel discriminated against, and as though I was unfairly evaluated by means that no everyone is evaluated XXXX. Upon receiving my denial letter, the reason was consistent with what I was advised on the phone and I also was not provided with my credit score, although I had requested such. Being in a top tier credit category of absolute low risk, my closure of my B of A savings account just a year prior is clear indication that I was unfairly considered for the credit line increase.
Consumer complaint received 2016-09-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (NC)

XX/XX/2016, I filed a dispute for a charge against my checking account. This dispute was against XXXX. I filed the dispute because XXXX which offers website design and hosting service, removed my website from the Internet and did so without giving me prior notice or an explanation. I pre-paid {$33.00} for the service to be used for my business and as a result of my website being down for two weeks, suffered serious losses. My clients, sponsors and donors rely on my website for information, resources, etc and no business was able to be conducted during the time frame that my website was down. As of today, I have no idea why my website was taken down. I have asked Suntrust Bank to issue a refund for a service which I did not receive in accordance with the terms and conditions provided by XXXX. 

It has been 90 days and no action has been taken on this dispute.
Consumer complaint received 2016-11-03
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My primary bank is Fifth Third Bank, as it has been for 15 or more years since I opened my first bank account. To my knowledge, I have not disputed charges in the past but did so recently when I made an online order that I canceled within 10 minutes of the order itself. I called Fifth Third 's XXXX number and was informed a provisional credit would be made. I offered to provide the email canceling the service but she said it was n't necessary. The charge was for {$99.00} which caused, partially, my account to be overdrawn and {$110.00} in charges from Fifth Third Bank itself. I recently received a letter saying they denied my dispute because the cancellation must be provided to the merchant before the posting of the item. I am confused because in this instance, it was provided prior to posting.
Consumer complaint received 2015-04-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Consulting Services, Inc. (CA)

Credit Consulting Services sent me a notice of Outstanding Obligation as it relates to XXXX XXXX XXXX XXXX and requested that I contact and deal with the company directly. I have enclosed a copy of the letter for you for your review. I received the letter on XXXX XXXX and respond back to CCS with a certified letter on XXXX XXXX. I advised them ( CCS ) of the payment that was made to XXXX XXXX XXXX XXXX and that I had also put in a call to the XXXX XXXX ( one of the partners of the company ) because when I connected with him by email I had advised him that I had already had my taxes prepared. I was told the process would only take XXXX weeks but XXXX weeks turned into 4 months. Anyway, CCS sent me another notice on XXXX XXXX which could have been crossed in the mail, but I still sent them another certified letter which they received explaining the situation again. 

On XXXX XXXX, 2015 I received an alert on my credit report that I have a collection account on my credit from CCS. 

My concern is that CCS said they wanted me to deal with XXXX XXXX XXXX XXXX DIRECTLY, however they placed themselves on my credit alleging I owe them the debt!!! 

Also I responded to them 5 days after I received the notice from them and they still ignored me and placed the account on both my personal and business credit.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (IL)

I was unable to get my indentity verified by Lexis Nexis because they are reporting a old phone number for me that I no longer have. I tried to update my information directly with them and was told that I cant, but per the F C R A. I have the legal right to update incorrect information about me. How can I be told I cant update my own information about ME that is incorrect? that makes no sense. I just need my correct phone
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-23
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Eagle Home Mortgage, LLC (CA)

Our mortgage lender qualified us for a 5/1 ARM VA Jumbo 100 % financing loan at 3.125 % interest for {$590000.00}. On XXXX/XXXX/2015 we opened up escrow on a home. 12 days before our close date ( XXXX/XXXX/15 ) our mortgage lender contacted us via telephone to inform us that we have been approved for our loan ; however not the initial 5/1 ARM VA Jumbo loan- unless we were to put 25 % down of the difference from {$410000.00} and our purchase price. Our lender stated that we are able to receive a fix rate 30 year mortgage at the interest rate of 3.875 % without any lender credit or an interest rate of 4.125 % with a {$3500.00} credit. The reason the 5/1 ARM loan was denied after the underwriting approval is because of some kind of " overlay '' that the underwriter " missed ''. The reason for this " overlay '' is not associated with anything questionable in our finances, credit score, debt to income ratio or anything else on our end. I have contacted other lenders which all have informed me that our lender should have known this before we went into escrow. I feel that our lender used a bait and switch tactic to get us this far into the escrow process thinking that we would just go with a higher interest. The change in the interest rate would increase our monthly mortgage by at least {$400.00} a month. I have asked if there is any way our lender could work out the current issue with us, but they gave no other options. One day after the previously mentioned complaint, we received a conditional loan approval for the product 5/1 ARM VA Jumbo 100 % financing at 3.125 % interest directly from the loan processor of the loan company in question. However, our loan officer still denies that we were ever approved for such loan terms.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (NY)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-03-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

We have experienced an issue with someone having obtained and used our social security numbers to open bank accounts and apply for credit cards. Accordingly, we have filed a police report and notified the credit agencies and initiated fraud alerts. Most creditors have acknowledged the fraud alerts and contacted us before any charges could be made and promptly closed the accounts, or ceased processing. Unfortunately, Fifth Third Bank seems to be the most lax in verifying identities and resolving disputes. They had allowed a checking account to be opened with a token balance and immediate overdraft without contacting us and now seemingly have approved another account ( XXXX ) in our name that we did not apply for. Their fraud department is very difficult to deal with and we find it very troubling that they would allow a second account to be processed after the first event where a checking account was fraudulently opened for {$63.00} and they gave the imposter XXXX initial blank check which they promptly used to overdraw that account. We were able to close out that checking account weeks ago and received verification from Fifth Third just about XXXX days ago that it was investigated and resolved and that we had no liability. However, today we received yet another notice from Fifth Third of a XXXX Account opening and notice of change of home phone number, which again was done fraudulently and with out notice despite having experienced the prior fraud issue. We believe that Fifth Third is not doing their job in verifying identity as required by Federal law and are not being cooperative in preventing the opening of fraudulent accounts or resolving those disputes effectively. After experiencing their weak efforts and response to our identity theft issue I would never voluntarily deal with them for any banking services and would recommend others to think twice before doing so as well.
Consumer complaint received 2016-10-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NJ)

I had water damage in my home in XXXX 2015. The insurance company paid for work to be done, first disbursement check was sent to me and given to the company. The larger part was sent to the mortgage company, It has been a year. The inspector for the mortgage company, did the inspection and agreed the work has been completed. Freedom Mortgage will not release the check to the contractors.
Consumer complaint received 2015-09-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (CA)

I called on XXXX/XXXX/15 to pay off a loan I received on line on XXXX/XXXX/15. I wanted to pay off the loan using an increase I received on the credit limit of a credit card. I was told the company does n't accept credit card payments above the amount of the monthly payment. When I asked where it states that in the contract, I was told it does n't. That 's just company policy. Had I been told this, I would have forgone the loan. I believe this is Inadequate loan disclosure. It 's unfair business practice to change a contract that is in writing, without written consent.
Consumer complaint received 2024-08-09
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. (SC)

I hope this message finds you well. I am writing to formally request the removal of several unauthorized items from my credit report. Upon reviewing my report, I identified multiple entries that I do not recognize or authorize. These inaccuracies are causing me significant concern and have negatively affected my credit standing.
Consumer complaint received 2016-01-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I have been trying to work with Fifth Third Bank for over 1 year now and still they are not processing my paperwork correctly. I have had to contact the President of the bank on several occasions and until I have done that I have not been able to get any response. I started trying to get a modification to my mortgage in XXXX of 2014 and used an agency by the name of XXXX XXXX XXXX in XXXX, PA and Fifth Third Bank did not respond to them. However I was told by the bank representative that they do n't work with third party agencies. During the last modification process which was in XXXX I was told by the representative of the bank that I needed to forward all income and that was done, however all of my income was not used and therefore they denied my modification for several reasons. The first reason is that they said my illness was not a legitimate illness for me to have lost my job and secondly that my income did not fit the proper amount, third that my credit report from the credit agencies was not favorable in order for them to do this. I forwarded another letter to the bank 's representatives and explained the situation and was contact by XXXX XXXX XXXX who advised me to forward the remaining documents for financials and that was done in XXXX. At that time I was told by her that I would have to continue the process all over again even though it was handled poorly and improperly by the bank. I told her that I should have to do this, but am forced to do this anyway if I want the modification to go through. I have not contact the XXXX in XXXX in order to get additional help in trying to resolve this situation. Fifth Third Bank has tried to foreclose on my home twice this year. One resulted in them having to recend the judgement because it was noted that they filed prematurely. Second is now when they are trying to start the foreclosure process again using some incorrect and outdated information forwarded to this week. I have forwarded the information down to the XXXX so that we will be able to work together to straighten out this information. In the copies of the documents that the bank forwarded to me this week, they state incorrect information and therefore they are seeking a judgement on the pretence of the wrong information. I have been struggling with Fifth Third Bank for far too long with respect to this issue. It takes the 6 months or so to respond to people who want to obtain modifications and I have documents to substantiate this claim and by the time the respond, you are in the foreclosure process which they seek late fees and damages which they would otherwise not get if they would do things properly. I have hundreds of documents that ca n't be attached to this online complaint and, this is not the entire problem but it is enough to help us get started. Please have someone contact me soon as I do not have much time. Thanks
Consumer complaint received 2016-01-25
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (FL)

Freedom Mortgage sent me a monthly statement on XXXX/XXXX/XXXX stating that my payment was {$1500.00}. My payment had always been {$1100.00}. I contacted the Vice-President, XXXX XXXX who indicated that they did an escrow analysis on my account and that they realized they had n't been collecting enough of a payment. Strangely though, there was no increase in my taxes or insurance. As a matter of fact, my taxes went DOWN. Employee error is the reason my payment has gone up. There have been numerous employee errors on my accounts with Freedom Mortgage and I am growing so tired of it. 
I received NO notification of this until I got very upset in the email to XXXX XXXX and stated that I was never informed of this, and that this notification was required by the mortgage company. All they did at that point was email me their analysis that I had never been notified of prior to this date. 
On top of everything else, I sent in my regular mortgage payment for the XXXX XXXX, XXXX payment and received a notice of a " late payment '' since they refused to apply my payment. 
This is extremely concerning to me as many problems have occurred since I have had my mortgages with Freedom Mortgage. Since I have had my accounts with Freedom Mortgage, here are some issues I have had with them : 1 ) About a year and a half ago, I received a refund from Freedom Mortgage. I spent this on home improvement. A few months later, I was informed that Freedom Mortgage was then that amount short and needed to recover it and increase my payments. 
2 ) Freedom Mortgage neglected to pay my homeowner insurance bill. This was approximately a year and a half ago as well. My homeowners insurance actually ceased until I requested that Freedom fix the situation. 
3 ) I would gladly pay this amount if it was due to an increase in my taxes or my insurance, but as I stated previously, nothing was increased and actually went down. 

On top of everything else going wrong, I have received statements that say I owe more than XXXX payment and I had to email XXXX XXXX to figure out why they were trying to collect for more than XXXX payment. There is too much to go into detail, however, right now the main situation is my payment going up so high because of employees of Freedom Mortgage not doing their jobs correctly. A homeowner/holder of a mortgage should not be the person responsible when these employees do n't do what they are supposed to. 
XXXX XXXX stopped emailing me when I informed her via email that I had not received the appropriate documentation from Freedom Mortgage regarding any change/increase in my payments. I informed her that a mortgage company is required to notify me of any changes in writing and that this was not done. I did not hear from her or receive the assistance I needed after that time.
Consumer complaint received 2016-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

My mortgage was just sold from XXXX XXXX XXXX to a unfavorable mortgage called carrington effective XXXX XXXX I have n't received anything from this company, I 'm scared to death about having to deal with company because of the many complaints, what can I do