davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2015-05-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WI)

On XX/XX/XXXX we received a letter from Ocwen Loan Servicing , LLC that we had missed a mortgage payment in XX/XX/XXXX. We immediately call them, spoke with XXXX # XXXX and told her that Ocwen cashed our check, electronically, on XX/XX/XXXX and emailed Ocwen a copy of the bank transaction, along with a copy of our bank statement showing the transaction. She said they would contact us in 15 business days. We have always paid our mortgage payment, even though we had to file bankruptcy in XX/XX/XXXX. Our lawyer at that time filed a " reaffirmation '' with Ocwen. On XX/XX/XXXX we received a letter and all types of forms advising that our loan is " in default '' and that we must select a method to bring this account current. It is obvious that Ocwen lacks communications and coordination between their internal departments. This latest letter borders on harasment. They cashed our check and have lost the monies that should be applied to our principle, interest, and escrow accounts. This is basically fraud and theft.
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AL)

I 'm a victim of identity theft and fraud accounts was open in my name I never authorized nor gave permission or had any knowledge of also my XXXX account was ran up with charges I did n't authorized nor had knowledge of and XXXX card. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and charges from XXXX XXXX XXXX XXXX. I 've always kept this account in good standard now there are charges I never authorized.
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America places holds on checks even though weve deposited the same checks for more than two years of the same amount written by the same person. Now during the pandemic BofA decides to place nine-day holds on funds when then never did in the past. This is the second time they did this. This is the same company that received {>= $1,000,000} from the federal government during the last financial crisis. Its unconscionable to hold funds like this during a pandemic, and this is the second time theyve done this. Their answer is that theyre protecting us or the reasons they held the money are proprietary. Thats not acceptable. 

They also took excessive amounts of time to release Treasury funds for Covid relief and offered a {$200.00} credit and delayed the {$3600.00} deposited by the Treasury Department. Theyre not playing fair during a pandemic. They have now collected excessive overdraft fees for funds that they held.
Consumer complaint received 2016-11-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

Key Bank insists I have a checking account with them. I do not. I never had any accounts at Key Bank. They sent me five correspondences, including a bank statement from this non-existent account! One letter stated they were going to " furnish negative information to a credit reporting agency '' They say my account number is XXXX. I have been contacted/dealing with their fraud detection department. They want me to claim I am a victim of identity theft -- I am NOT. I want nothing to do with this bank. Thank-you. 
Sincerely, XXXX
Consumer complaint received 2015-08-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

The company Portfolio Recovery Associates of Virginia continues to harrass me by telephone on a regular basis for a debt I do not owe. They have never sent any information regarding this debt by mail, which I have asked for. I have repeatedly asked them to stop calling my home. They are not only persistent, but rude and unprofessional.
Consumer complaint received 2016-12-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (AZ)

I have a mortgage with Roundpoint Mortgage. I have always escrowed my mortgage since holding the mortgage. When the loan was transferred to Roundpoint, the escrow was moved over from XXXX. Roundpoint continued to reflect my mortgage as escrowed. I ended up having water damage on my house and once I filed a claim, they said i had no insurance. They had stopped paying my insurance company but continued to collect my escrow payments every month. I asked what they did with my money every month and they did n't know. All my statements reflected they were still collecting and that i had an active policy. They ended up getting a forced placed policy in place to correct the error. They later sent me disclosures after the fact and said i was responsible for paying for it for their error. They assessed over XXXX on my accounts, failed to correct the statements and now my payment has gone up XXXX every month. They also sent me documentation saying they were adding it to my princial balance on my loan. I have called on numerous times to try to resolve the issue and even filed with the XXXX who sided with me. They have failed to correct the issue after repeated attempts and no one returns my calls. They can not explain why my payments went up as they state i now have a shortage but i should n't based on always escrowing my account. What did they do with my money all this time?
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2017-01-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I opened a XXXX account on XX/XX/2013 and made XXXX purchase. The first bill was deliberately sent late so that I was required to pay a late fee. I wrote XXXX a letter pointing out that the invoice was sent After the due date paid them the amount of the merchandise and cancelled the card. The company has continued to rack up finance charges and has hired Portfolio Recovery to harass me relentlessly by calling. I made a mistake of writing a check to Portfolio Recovery ( XXXX ) thinking that it was an investment account which made the situation worse and amped up the harassment. The charges are all conquered finance penalties that were wrongly charged from the beginning. 

Thank you for any assistance in this matter. 
XXXX XXXX
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

Roundpoint Mortgage has repeatedly not returned my attempts at contacting them since they have acquired my mortgage loan. Their phone system hangs up on me at least once during each attempted contact. It is now three months into their acquisition and they ca n't tell me whether or not my insurance is lumped into the monthly mortgage payment. They have locked me out of my own account without any sort of notice or explanation. I feel like I have no way of knowing whether or not my mortgage loan is being taken care of.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (AL)

Experian has failed millions by not investigating disputes and simply doing what is most economical for them. Please see my attached letter. I have several accounts that are unverified that Experian has refused to follow the law in doing a proper investigation. Involving the CFBP to help me look into this matter is my last straw berfore taking legal action. XXXX and XXXX did and investigation and deleted the unverified accounts earlier this month and I 'm very confident once Experian investigates them they will do the right thing as well.
Consumer complaint received 2024-08-21
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. (KY)

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I have never been late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the account : XXXX : NUMBER XXXX Date : Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Inaccorance with the Fair Credit Reporting act XXXX XXXX Account has violated my rights. 
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.
Consumer complaint received 2016-04-20
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (PA)

The XXXX XXXX organization sent my account to a collection company, Receivables Management of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with Receivables Management of XXXX VA XX/XX/2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices.
Consumer complaint received 2015-09-11
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

We were approved for a short sale with a closing date needed by XXXX/XXXX/15 by Bank of America. On XXXX/XXXX/15 our buyer had an extreme medical emergency, when we asked Bank of America to give us an extension on the approval ( approval letter advised extension were possible ) to allow our buyers emergency to subside they denied an extension stating that Bank of America was going to sell our loan so they could not extend the approval. Closing attorney office asked several times and Bank of America kept advising that because they were selling the loan they could not do anything to extend the approval. Now after a couple weeks and repeated inquiries it turns out Bank Of America DID NOT sell our loan. We have the same contract in place for the house sale and now they are advising because the approval expired we need to start all over and be reviewed all over again. ( Which takes months to complete ) We feel we were not fairly treated and that Bank of America should be able to reopen the approval they already gave. They refused to give an extension based on the fact that they said they were selling, but they did n't sell and the approval expired due to their false information.
Consumer complaint received 2016-11-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Machol & Johannes, LLC (CO)

I submitted a request from Macho & Johannes LLC at XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX and requested the balance on XXXX accounts that I am paying through a consumer credit counseling agency ( XXXX ). About three weeks ago I submitted this request and I have received no reply back. I am going to fax over the request today and I am providing you a copy of the letter below. 

XXXX XXXX 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO. XXXX Toll Free : ( XXXX ) XXXX General Fax : ( XXXX ) XXXX XXXX XXXX XXXX. 
*********** XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Account Balances : I sent an email about three weeks ago requesting the balance to the following accounts ; XXXX ; XXXX ; XXXX. I need to show my employer that I am making progress on these items. As you know I am XXXX and this affects my clearance and my job employment. 


XXXX XXXX XXXX.
Consumer complaint received 2016-08-12
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Portfolio RC This company did NOT respond to my direct dispute within 30 days. I sent them a certified letter ( XX/XX/XXXX ) disputing incorrect delinquent account dates, that this account was more than 7 years old. They ignored my letter. Then when I filed a dispute with TransUnion to delete it, they conducted their own investigation after I sent them supporting documents that this dispute to Portfolio RC went unanswered within the specified time frame according to the FACT act ( XX/XX/XXXX ). They have had ample time to delete this information from my credit report. They 're indifference to my situation is keeping me from purchasing a home! I have re sent certified mail as of XXXX/XXXX/XXXX to XXXX, XXXX, XXXX, & PORTFOLIO RC with supporting documents to back up my claim that they have violated the FACT ACT and that these furnishers have failed in their DUTY TO CORRECT AND UPDATE INFORMATION & ( FCRA 623 ( a ) ) DUTY TO PROVIDE ACCURATE INFORMATION. These documents were confirmed delivered to recipients by USPS.com tracking, and they have still not deleted this information off of my credit report. Evidence included in these packets : original dispute letter with certified tracking ticket, USPS.com tracking confirmation that they were hand delivered ( PORTFOLIO RC denied that they received anything during a follow up phone call ), and transcribed scripted phone calls with this company, including representatives that I spoke with and ID numbers of said representatives. I am an educated consumer and I am aware of my rights. They have clearly violated the FACT ACT introduced by congress XX/XX/XXXX. This act allows the consumer to directly dispute with furnishers ( third party collection agencies ). These furnishers continue to report false information to the CRAs and are keeping me from purchasing a home. I will file with small claims court if I have to. I have more than enough evidence to prove my claims. This is a gross injustice to me as a human being. I want this information deleted from my credit report immediately. Time is NOT on my side anymore. I am tired of waiting.
Consumer complaint received 2022-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NY)

My complaint is as follows : The XXXX XXXX XXXX XXXX XXXX XXXX and Myself have been trying for months to get a reinstatement statement for the Forbearance amount. 

Due to the mortgage company not replying to my/our requests, my property is now in the foreclosure process. This could have been avoided if they answered our requests. It is their fault for my property going into foreclosure as they did not provide the requested reinstatement letter when it was requested. 

They are also charging fees for foreclosure to the point that my principle has increased. It has gone from {$320000.00} to {$350000.00} a difference of {$29000.00} Again, this is the fault of the mortgage company not providing the reinstatement statement when it was initially requested i.e prior to any thought of a foreclosure. 

It is to note that the XXXX XXXX XXXX XXXX XXXX XXXX has been dealing with this mortgage bank longer than myself ( XX/XX/2022 ). I was asked to help get a reinstatement statement for the forbearance amount. 

The following is my communication with the mortgage company. 

1.I contacted the Mortgage company via uploaded to portal ( XX/XX/XXXX ). 
2. Mailed ( XX/XX/XXXX ). 
3.Spoke to a mortgage representative for in the foreclosure department ( XX/XX/XXXX ). 
4. Faxed to XXXX ( XXXX ). 
5. Emailed to XXXX ( XX/XX/XXXX ). 

I also stated the urgency for the reinstatement statement. As I was told by the foreclosure representative that I can request it be expedited and sent to my XXXX email. 

See attached letter that was communicated to the mortgage company with no reply. If there was/is a class action law suit I would happily join it. 

According to yelp reviews I am not the only one with the current issue or issues in general with this mortgage bank. https : XXXX I thank you in advance for you assistance. 

regards
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

Equifax and XXXX are reporting tax liens on my credit when they are NOT tax related. They were from traffic tickets. They have led mortgage lenders to believe that I have tax problems and I have been declined credit because of it. This is in violation of the FCRA and the courts upheld this in this case : US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX.
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

I opened an account with XXXX XXXX when I lived in XXXX during the XX/XX/2014. I moved out of the apartment and back to XXXX during the XX/XX/2014. In XXXX, I received a bill from XXXX regarding a balance on the account. I paid the balance in full and closed my account. I never heard from them again. It is almost a year later and it is registering on my credit report that I have an amount out on the account that has gone to collections. The company has acknowledged the fact that I called to cancel my account in XXXX. If this is the case, how am I carrying a balance on an account that was paid in full and the account was closed? I paid the amount because I do n't want it on my credit history, but I did n't allow the account to go into collections. They did it without my knowledge.
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MN)

I have a continuing, extensive, and well documented identity theft. Going back 14 years when I was age XXXX. Equifax refuses to allow me to receive my annual report, and denying me the right to dispute false information. Since 2010 I have attempted and been denied online, and via telephone, due to my inability to answer questions pertaining to my report. Who did I get a car loan from? Who is my morgatge company and payment etc. Information I would know nothing about as it was not me. Not have I ever applied for these products. XXXX and XXXX at least allow me access by sending in verifying documents, and file disputes with them. All items I have disputed have been found to be fraudulent and removed from my other reports. This is wholly unacceptable and a violation of my rights.