davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of American acct XXXX I have resigned the paperwork for settlement and the deed three previous times, since XX/XX/XXXX. In XX/XX/XXXX I received a phone call saying that the paperwork was incorrect and they would give me {$350.00} for my trouble if I would just resign. I told them I would, but I want the old copies back that I have previously signed. I wrote to your agency and immediately received a call from the presidents office at BOA. they said that they were sorry and they would have the paperwork and the old paperwork that I signed sent to the BOA office in XXXX Pa. they would call me when it arrived and I agreed to go up and resign. Since XX/XX/XXXX, no other contact was ever forthcoming. I assume that they had gotten the county to accept the paperwork. 
Today I received a call from the management company who oversees this property and it seem that XXXX XXXX XXXX had been retained by BOA and had sent a XXXX package to my XXXX home, even though the paperwork in inside clearly shown my mailing address as XXXX XXXX, XXXX, Pa XXXX it was just found on Monday XXXX/XXXX/XXXX and the management company sent it to my home address. 
I called XXXX XXXX, at XXXX XXXX XXXX. and told her the story and she said that she would let BOA know. I also advised her that I had contacted XXXX county recorder of deeds and they advised me that the reason it was never filed was that they require a FONT of 10 or higher and the BOA paperwork was 9. Looking at the paperwork from XXXX XXXX XXXX. I would guess the font is a 7 or 8. I asked her for a copy of the letter that she would be sending BOA. HOPEFULLY I will receive it Clearly BOA and it representatives do not know what they are doing and I do n't wish to be harassed any more because of their incompetence. They can contact me when the paperwork arrives at XXXX ( both the XXXX incorrect copies, and the new copy in the correct font so that XXXX county will accept it. FYI, my mortgage payment was paid to day and paid ahead.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-19
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. (CA)

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I demanding a deletion of the following account : account name : XXXX XXXX XXXX account number : XXXX
Consumer complaint received 2016-05-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TrueAccord Corp. (VA)

I have made several complaints with this office. I continue to get emails and phone calls on " debts '' I do n't owe. A request has been made to send verification of debt. I have not received anything previously requested. I do n't know if this is a scam or legitimate collection company attorney process servers. I get calls at my place of employment and on my personal cell.
Consumer complaint received 2015-06-11
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

Transferred XXXX said monies into market rate account. Frederick Hanna garnished XXXX funds. Said funds were unprotected. Only income is XXXX funds. XXXX XXXX. Court date XXXX XXXX, 2015 @ XXXX am. Help. Bank said funds do n't have to be protected once once removed from checking to market rate account. {$200.00} left in Checking Account. {$120.00} Garnishment Fee taken by Bank also. Phone ( XXXX ) XXXX
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

we are recently submitted a claims to varies if we got a hamp. modification from XXXX XXXX XXXX. but we forget to mention our second complain about not modifying our home because we make too much money and our debt is too high. which do n't even make any sense because we are making less we loss our XXXX and was sick for the past three years. our bank statement and everything reflect us making less and transition from one job to the next. we feel that the bank just want to sell our home and do n't want to work out a solution for us. struggling family in hard times. we send several faxes and mailing document for the past three years but there is always something that was not done or receive. we are looking for a fair chance of modification of our home.
Consumer complaint received 2015-05-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

I represent a homeowner who has a loan with Carrington Mortgage.  We have had a buyer in contract for over a year now.  Carrington has been reviewing our short sale for that much time as well.  Finally when I thought we would be getting the approval, Carrington closed our file out stating that we did not provide the correct documents that they required for the short sale to be reviewed.  This is absolutely not true.  I did provide them with the Deed of Reconveyance from XXXX for a XXXX lien that was satisfied over 10 years ago.  Carrington wanted a "Release Of Lien" recorded document and not the Deed of Reconveyance document that we provided them from our County Court House.  I spoke to title about this document that Carrington wanted and they told me in the Sate of Washington, we do not provide or do "Release of Lien" recorded documents for that type of lien.  ONLY a Deed of Reconveyance is given to the bank and seller for this satisfaction of lien.  Title even spoke to the supervisor at Carrington about this and told them that there is NO SUCH document when we have the Deed of Reconveyance.  Carrington did not care that even a Title officer telling them that what they already have what is legally needed to satisfy that lien.  They sill refused to work with me or the seller in getting this short sale back active in review and allow this document to satisfy this requirement.  This is absolutely not legal to hold a sellers home hostage and not allow them to exercise their rights to do a short sale when all of the required documentation was provided.
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

They Ditech, took my principal payment of {$9900.00} and put it to escrow and interest. 
I talked to XXXX in XXXX before they got the payment and relayed the message that I wanted it to go to principal since I already made my XXXX payment.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I am writing to formally dispute inaccurate information that is currently being reported on my credit file. Pursuant to 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum possible accuracy in the information provided in consumer reports. 

The specific account I am disputing is as follows : Account Name : XXXX Account Number : XXXX Account Type : Unsecured Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$3800.00} written off. {$1100.00} past due as of XX/XX/XXXX. 

Status Updated : XX/XX/XXXX Balance : {$1100.00} Balance Updated : XX/XX/XXXX Recent Payment : {$2500.00} as of XX/XX/XXXX Original Balance : {$3500.00} Terms : XXXX Months On Record Until : XX/XX/XXXX Additionally, the payment history for this account contains inaccurate reporting : XXXX Payment History : 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 I believe the information being reported is either incomplete or inaccurate. I am requesting a reinvestigation of this account, and I ask that you verify the accuracy of this data with the original creditor, XXXX. Please provide me with the details of your investigation and correct or remove any erroneous information as required by law. 

In accordance with 15 USC 1681i, I kindly ask that this issue be resolved within 30 days of receipt of this letter, and that I be provided with a written confirmation of the actions taken. Please also send me a free copy of my updated credit report. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of this dispute and the appropriate corrections made to my credit report.
Consumer complaint received 2024-09-19
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, 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. (NC)

This is my 2nd request of removal of unauthorized -fraudulent inquiries that are on my credit file as of today XXXX XXXX XXXX and Transunion haven't complied with my demands or laws that are in place.Experian has complied with my request to remove inquiries but Transunion and XXXXXXXXhavent been in compliance of this matter.I am hereby notifying you that neither on that those dates or dates similar, did I authorize any individual from the above listed companies to pull or review my Consumer Report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumeI still have fraudulent inquiries reporting to my credit file. I have contacted below companies and are seeking a fast remedy of removing these fraudulent inquiries XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-06-15
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (OH)

I previously filed a complaint with the CFPB and am extremely disappointed in US Banks response! It seems as though they are not reading my complaints at all ( or maybe they are in cahoots with the fraudulent merchant ). My complaint was NOT about an error on my bill! I was scammed by a company and they did n't even address the issue. What is the point of having a credit card if the issuing bank wo n't even investigate my concerns?
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

My mortgage was being handled by XXXX servicing out of XXXX, IL up until XXXX XXXX. It was then turned over to Green Tree Servicing , LLC. I am having a difficult time resolving the change in my escrow payment since the loan was transferred to Green Tree. I have called numerous time requesting an escrow analysis but have gotten nowhere. 
First they told me they would do it, then I was told they were using the one that XXXX did this past XXXX. How can they go off an analysis that is number XXXX, old and not current? 
Two, Green tree told me that they paid my homeowners insurance when in fact it was paid by XXXX back in XXXX. 
Three, I recently received a notice from Green Tree and it was addressed to the woman that I originally bough the house with, but, in XX/XX/XXXX, I bought her out and the deed was put into my name. I asked Green Tree about this and got an argument from them that I needed proof she wasnt on the mortgage. REALLY??? how about you look at the title search that was done when I modified the load with XXXX???? 
I have also repeatidly asked for the manager, XXXX XXXX XXXX to contact me and explain this all to me. That was a week ago and I still havent received a phone call. 
I have also asked for help with my mortgage due to being out of work from a work related accident. Im a trucker and I rolled my truck on XX/XX/XXXX and have been out of work since. Still no solution has been even offered. 
The lack of attention to such an importatant matter and the fact that they are sending out collection notices to people that arent even on the loan is troublesome. Green Trees servicing lacks any and all consumer confidence for the consumer.
Consumer complaint received 2024-09-26
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)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

On XX/XX/year>, I ordered 3-month prepaid celluar phone plan with the XXXX, but after making a payment, I went thru the eSim activation process, but couldn't activate the plan by transferring the number onto the XXXX. After speaking with the XXXX technical support, they were able to transferred my existing phone number onto their syste, but they couldn't activate my eSim card on my iphone.

After many attempts and waiting hours and hours, next day, I spoke with the XXXX and requested for the full refund due to their failed eSim activation. On the phone, the technician told me that they would refund the money, and I had to request my phone number to be transferred back to my current provider. 

I sent several emails to the XXXX to check the status of the refund, but they had never responded before I opened the credit card charge dispute with CapitalOne credit card dispute department. 

CapitalOne dispute department requested additional information regarding the charge, so I sent my email communications along with the merchant cancellation policy, but CapitalOne asked me to work with directly with the XXXX to get refunded. 

Because the cellular plan was never used due to the lack of eSim card activation, I should receive the full refund based on the merchant refund policy, but CapitalOne dispute department is somehow they could not help to dispute the charge.
Consumer complaint received 2015-06-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I bought a house with FHA Loan through Nationstar after President Obama lowered the Mortgage Insurance Premium as of XXXX XXXX. I have made a couple payments at {$1800.00} with the MI of {$170.00} & taxes/insurance included because its mandatory to have an escrow account with a FHA Loan. Nationstar just raised my payment to {$2000.00} and they are stating there system shows mortgage insurance is supposed to be around {$290.00} a month, and the escrow accounts short. I have several calls into them and they are saying oh well the next analysis is n't for another year. I 'm being over charged now for mortgage insurance at which I signed HUD/FHA of MI payments at {$170.00} and paid {$4700.00} up front and not {$290.00}. Why are they still stuck on the MI rate when it was lowered by the US President XXXX months ago.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am complaint on the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report by XXXX XXXX, in direct violation of the Fair Credit Reporting Act ( FCRA ). On XXXX XXXX XXXX, I discovered that fraudulent accounts had been opened in my name without my knowledge or consent. Upon learning this, I filed an Identity Theft Affidavit with the Federal Trade Commission ( FTC ), submitted a police report, and provided Equifax with all required documentation to dispute and remove these unauthorized accounts from my credit report, in accordance with FCRA Section 605B. Despite my diligent efforts and compliance with the necessary procedures, Equifax has failed to take the appropriate actions to block or remove these fraudulent accounts, allowing derogatory marks to remain on my credit file. XXXX XXXX accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained.

Equifax has failed to fulfill its obligations under FCRA Section 605B, which mandates that fraudulent information be blocked within four business days of receiving proper documentation. To date, the fraudulent accounts and derogatory marks remain on my credit report. XXXX XXXX accessed my credit report without my consent or any permissible purpose. I did not initiate any business transaction or credit application that would justify this access. This is a clear violation of the FCRAs permissible purpose requirement. The derogatory marks and fraudulent accounts that Equifax has allowed to remain on my credit report are negatively impacting my financial well-being, causing harm to my credit score, and affecting my ability to obtain new credit or other financial opportunities.
Consumer complaint received 2015-06-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

Nationstar Mortgage out of XXXX, TX was paying the incorrect amount to FHA/HUD for my PMI. They have adjusted the amount of my PMI insurance drastically without being able to give me an explanation as to why. I contacted my local HUD dept and was given the amounts of my PMI monthly payments and they have not changed. My loan is only XXXX years old. The PMI is part of the loan schedule and slowly goes down, not up. When trying to discuss this issue with NationStar they transfer me from person to person and no one can help me. I 've litterally been on the phone with them for about XXXX hrs. No one will help me.
Consumer complaint received 2016-10-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Bureau, Inc. (LA)

I received a voice message on my iPhone yesterday claiming to be a debt collection agency and threatened to file charges against me tht I do not owe. 
I do n't know the people. Could not make out who they represent. 
The phone number is XXXX. 
I did not call them back as they asked me to. 

I do n't owe anything at all, not even income tax. 

I also had received XXXX bogus calls claiming to represent the Treasury Dept. saying that I owe taxes which I do not and I hung up.
Consumer complaint received 2016-11-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: McCarthy, Burgess & Wolff, Inc. (MD)

McCarthy , Burgess & Wolff Debt collection company has continued to call after being informed that my phone number is not associated w/the debt in collection. 

In addition, the calls are fully automated w/no option to be connected to an agent or other cognizant individual. Call-back to a different number is required to engage at all. Even if this is n't against policy, it 's obnoxious - especially since the debt being pursued is not mine.
Consumer complaint received 2016-01-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (VA)

I went to sign up for a PayPal account and later discovered that I had been signed up for a line of credit. This was not my intention. I monitor my credit and later discovered the inquiry on my report. I immediately called to cancel the line of credit but the inquiry still remains on my credit report.