davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I purchased a home in XXXX. According to the debt forgiveness act sign into law by president Obama that home which was foreclosed on in XXXX should not have been attempting to collect let alone claim delinquency on credit since XXXX and or show an open balance. I spoke to a bank of america representative and was assured that it was their mistake that the property showed that it was foreclosed and sold and that they would correct their mistake and remove everything from my credit report within 30 days. 30 days passed and bank of america continues to claim default on the loan stopping me from buying a new home. I took Hours out of a days to attempt to call and resolve this again and again and i keep getting the run around. I was told by bofa customer service representative that although he could clearly see it was a mistake that the house was foreclosed on and that it should not be delinquent that he did not know the disconnect and that he could not help. He stated that i would have to go to the credit bureaus to make them investigate it. I have done that but BOFA does not fix this issue when disputed. If my credit is not cleared up immediately and everything that bank of america negatively imposed on it i will take legal action.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am very upset because how can the bureaus just place information on my report without my knowledge of where exactly the information even came from so I sent off a letter on XXXX to this date on XXXX I have not heard or received information from them regarding issues that are misleading and unverified I know this has to be a violation of my consumer rights because it has been over 60 days now without a response. I just hope they find out who the information belongs too and remove it from my profile. I do appreciate the quick response and the removal of inaccurate accounts.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (UT)

Shellpoint Mortgage - XXXX - Is reporting inaccurate information on my credit report. They are reporting a 30 day late XX/XX/2020 and I have never been late on any account ever in my life. I actually had set up auto draft with Shellpoint, as I have many accounts with them. My auto draft was set up on all of my accounts and the payments were drafted for all of the accounts except one. It should have been drafted but the company did not apply it to all my accounts. I was not aware as I did not receive a notice and only knew of this late notation until i checked my credit. I have been a long time customer of Shellpoint and have many accounts with them. I am very disappointed to see the communication and handling of this issue. I am asking as a long time customer that this be removed from my credit file as it is erroneous and completely out of my hands. I authorized the payment but Shellpoint did not collect.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NV)

I have received a letter from Selene Finance regarding the servicing transfer. 

This is the only document I received from them. I received this on XX/XX/XXXX. I used the coupon in the document and pay the XXXX payment. 

They have been calling me and tell me I am late on the payment, which I am willing to pay. However, I have never received a statement or payment coupon for me to use. 

I have requested my mortgage statement and payment coupon for four time, and all their customer services told me they have put the note in. 

First time was requested on XX/XX/XXXX XXXX XXXX  PT by phone. 

Second time was requested on XX/XX/XXXX XXXX XXXX PT by phone. 

Third time was requested on XX/XX/XXXX XXXX XXXX  PT by phone. 

Fourth time was requested on XX/XX/XXXX XXXX XXXX  by email.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/XXXX I was notified by XXXX XXXX that hard inquiries were made on my credit report from XXXX companies. These included : XXXX. A hard inquiry from XXXX XXXX XXXXXXXX XXXX. A hard inquiry from XXXX XXXX XXXX XXXX A hard inquiry from XXXX XXXX First, I went online to dispute these inquiries and the associated telephone number with all three credit bureau. XXXX removed these inquiries from my report. XXXX did not remove the XXXX XXXX  inquiry from my report, and on XX/XX/XXXX I submitted another dispute online. TransUnion is requiring me to submit a report to the FCC and mail them the report. 

I also froze my credit with all three credit bureaus. 

I also called all three companies to dispute/cancel the applications and have them dispute the hard inquiries with the XXXX credit bureaus. XXXX XXXX was XXXX challenging to reach a human being through their robocall answering system, but after several hours of trying to use different key words I was able to reach a human being and they were able to help me. 

On XX/XX/XXXX XXXX XXXX notified me that a fourth hard inquiry was made on my credit report from XXXX. I called XXXX to dispute/cancel the application and to have them dispute the hard inquiry with the XXXX credit bureaus. They are also requiring me to mail/fax in additional information. 

After this, I called TransUnion and went online to dispute this inquiry with XXXX and XXXX.
Consumer complaint received 2024-10-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NAVY FEDERAL CREDIT UNION (VA)

I am writing this letter for help with a fraudulent activity on behalf of Navy Federal Credit Union. I cancelled a Home Equity Line of Credit with the financial institution after the processing officer came to my home with documentation with ambiguous terms. The terms were not discussed during the application process. I contacted Loan Office, XXXX XXXX and cancelled the loan on XX/XX/XXXX. I submitted the Right to Cancel form within a day of my cancellation email. I have included my cancellation email to XXXX and the Cancelation form received from the XXXX XXXX on XX/XX/XXXX. 

Also, many of the Navy Federal Credit Union employees were rude and argumentative that this action didnt happen nor could happen, if I cancelled it. It did happen. The paperwork was submitted to XXXX County Registered of Deeds were filed on XX/XX/XXXX ; Book XXXX Page XXXX. 

This fraudulent activity has been recorded with XXXX County Registered of Deeds since XXXX. The activity is not on my credit report but a lien on my residential property. This matter has caused a delay and questioned my reputation with another financial institution for another real estate transaction. I need a certificate of satisfaction from Navy Federal Credit Union sent to XXXX XXXX Registered of Deeds. It is mind bobbling that I would have to ask for a certification of satisfaction when the loan should not have been processed. 

Lastly, I have been paying higher taxes on my residential property because of Navy Federal Credit Union activity. This is causing me time and resources. I need this resolved and refund for overpayment. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Apparently I applied for credit through XXXX, an online store and ordered something. I don't even know what. There appears to have been a credit card issued only to use for the store. I saw on my credit report a company called XXXX XXXX reported I did not pay my bills. I've never received a bill. I have no clue what is going on. I've tried to call the phone number of this credit card company and they always hang up when I ask for proof of purchase. 

So finally out of sheer frustration I paid the bill just to get it off my credit report. But here is what I'm asking CFPB to do. Please find out how I can get a report of what this is about, when the order was placed, how I can clean up my credit report with this credit card company ( I had excellent credit )? Please help!
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I paid off an account XX/XX/2020. I disputed the amount because when they reported on XX/XX/2020 they report a payment but not that that was the final payment and the account was XXXX. TransUnion states they investigated and said they ended the investigation on XXXX XXXX and I still owe a little over {$2100.00}. I called XXXX XXXX and told them I dont see how XXXX and XXXX have a XXXX balance and they are still reporting {$2100.00} as of XXXX XXXX when it was paid XX/XX/XXXX and the company sent me an email when I called them before XX/XX/XXXX saying it was XXXX. Also got an email today ( XX/XX/XXXX ) from the manager stating it is XXXX after I got off the phone with them.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX of this year, just before property taxes were due, I realized on one of my mortgages the escrow account did not pay my property taxes as of said date.

I called Shellpoint inquiring as to why my taxes weren't paid yet? They said they would respond with 72 hours ... No response ... I call back again ... same response - " we will call you back in 72hours '' ... another 72 hrs later zero response..This went on for almost two months when finally I called and they said the escrow account is short and they need to recalculate what the dollar amount is ... ... They said they would get back to me in 72 hrs ... No call back since Shellpoint took over as lender at the beginning of the year I have been on automatic withdrawal on all 3 accounts I asked them until they get this adjustment corrected should I refrain from automatic withdrawal ... They said thats not a problem as they would rectify this issue quickly and get back to me
within 72 hours ... Absolutely aero response I call into Shellpoint in XXXX to ask if they paid the property taxes and penalty and wanted to make sure I wa n't being charged for this error on their part and penalty for unpaid taxes They assured me they didnt charge me and sent me a letter justifying the charges and that they paid the penalty ... At this time they didn't mention I had to pay XXXX 's mortgage payment ... And I was put back on automatic withdrawal so I figured they worked it all out and I would just get automatically billed for the new amount It wasn ; t until a few weeks ago did I get notification that my credit score showed a missed mortgage payment for XXXX I immediately called them and every 3 days when I call in have been given the same speech - " we are looking into it and will get back with you within 72 hours ... ZERO RESPONSE!
Consumer complaint received 2020-10-29
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: Upstart Holdings, Inc. (MI)

Dear Sir or Madam, On XX/XX/2020, I received an alert that a hard inquiry from XXXXXXXX XXXX appeared on my XXXX Credit Report, negatively impacting my credit score. I have not requested a new loan in years, or new credit of any kind, and believe this inquiry to be fraudulent. On XX/XX/XXXX, I contacted XXXX to request more information, and was told that the only information available was the name of the inquiring bank ( XXXX ), and the date of the inquiry XXXX XX/XX/2020 ). I was further advised that a Letter of Deletion or Letter of Removal would have to be submitted by XXXXXXXX XXXX  in order to get the hard inquiry removed from my credit report. I then contacted XXXXXXXX XXXX at XXXX XXXX XXXX XXXX on XX/XX/2020 and requested additional information regarding the inquiry. I was advised at that time by the XXXX representative that it could take up to five days for any new loan application to appear on their records, which is strange given that the inquiry already appeared on my XXXX  credit report. I indicated that I had no intention of waiting five days to resolve an instance of fraud. I was informed at that time that there was nothing further that XXXXXXXX XXXX could do, as no information was available at that time. I requested credit freezes with XXXX XXXX, and XXXX on XX/XX/2020. Subsequently, I called XXXXXXXX XXXX again on XX/XX/2020 at XXXX XXXX XXXX XXXX. At this time I was told by the XXXX representative that any dispute would have to be resolved with XXXXXXXX XXXX XXXX lending partner, Upstart, and was subsequently connected to Upstart at XXXX XXXX XXXX XXXX. As I write this, I have been on hold with Upstart for an hour, and have yet to have my call answered other than to be placed in an automated que. I was given an initial estimated wait time of 14 minutes, and am well past that now. It seems clear that neither Upstart nor XXXX have any desire to resolve this issue, and indeed this entire maze of processing delays and call forwarding seem designed to prevent a resolution. This is identity fraud, and Upstart and XXXXXXXX XXXX  are complicit. Meanwhile, I am left with having to research what options are available to correct this issue. Please advise. 
Thank you.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (CA)

In early XXXX i tried using my Way2Go card ( child support ) after not having previously used for a month and it was declined. Which led me to check my transaction history and balance. To my surprise there was a XXXX balance. Mind you, there was {$800.00} that i had expected to be on my account due to not havent had used this card for a month. I immediately called customer service and opened a fraud claim. They gave me a claim number and proceeded to send some paperwork in mail. I received the paperwork in about a week. I immediately filled it out with transactions that did not belong to me. Which were all overseas in the XXXX to a merchant named XXXX another called XXXX XXXX. I noted exact dates from when these companies received payments from my account. A total of {$800.00}. Customer rep told me they would credit my account after 10 days after they received paperwork. A month later i called them since no credit was made to my Account and they stated it was still under investigation. I waited 2 more weeks and called today and they said it was denied and claim was closed. I am begging for some help in reopening this claim. I have two small children and in a middle of a pandemic i do not have enough income coming in. {$800.00} that was taken from my account is crucial for my children right now.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (SC)

I contact Wells Fargo to point out all the inaccurate lates payments that were reporting on the alleged account I had with them a month later I see no change on my credit report, Wells Fargo did not even contact me and I know it is ethical to go into a closed account to remove inaccurate late payments on a consumer file I just don't know why wells fargo is yet to do it. This alleged account is inaccurate because its late payment pattern does not even agree with the payment history key for each bureau its pattern is being reported in your typical 30,60.90 pattern and I prompted them to remove those late patterns for a perfect one since the accounts paid off and an inaccurate account should not be reported at all due to inaccuracy I mean all the status dates are outdated the creditor obviously gave up on ethical reporting a while ago but yet no response, I would like this dispute forwarded to the metro 2 task force to further help with the investigation of this inaccurate account
Consumer complaint received 2020-10-29
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: National Credit Systems,Inc. (TX)

Good Day, I am XXXX XXXX XXXX and my reason on reaching out to you is to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2020-12-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XX/XX/XXXX-XX/XX/XXXX {$300.00} limit, paid on this account through out the years before learning my rights pursuant 15 USC 1692g I am the original creditor, my personal information, and account information was sold to Portfolio Recovery Associates , XXXX . without my consent or permission. XXXX XXXX has violated as a federally protected consumer under 15 USC 1692 & 15 USC 1681
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

XXXX : I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.