davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

In XXXX, I bought a house with my son 's father. Sometime in XXXX, the mortgage company, XXXX XXXX XXXX transferred business to Pennymac. Once it was transferred, my name was no longer on the mortgage. When I called regarding this, they said they have no record of what I'm talking about and then wouldn't talk to me, only XXXX XXXX, who was also on the mortgage, but they only had him listed. It was also removed from my credit report. 

XXXX our relationship ended. I took my name off of all shared accounts. I did not contact the mortgage, as I was told I wasn't on it. 

XXXX I notice it back on my credit report, due to it almost going into foreclosure. They told me that if I didn't sign paperwork letting XXXX XXXX change the terms of the mortgage, the house would go in foreclosure, but I can get off the mortgage in XXXX months. They told XXXX XXXX to get me off the deed and that would make the process faster/easier. So he did that. 

XXXX, after the few months they stated, they now tell us he has to make XXXX on time payments, and I can not get off without refinancing. And the fact he took me off the deed, did not matter. 

XXXX  months comes and goes and it's a whole different story. 

Everytime we call, we get told to do different things, or get told different things. I just want to be off the mortgage. I have had XXXX other addresses since that home, so it's clear I do not live there and haven't in awhile. They refuse to do any pardons that would avoid refinancing to get me off and not have my son 's father 's mistakes affect me, and I'm stuck in a rut with a mortgage and a house that I don't even live in anymore. 

They are not taking any responsibility. If I knew my name was still on the mortgage, I would've removed it like I did everything else. Not find out I'm back on after it almost goes into foreclosure. 

They do not communicate well or consistently. There are options out there for people like me, and they refuse any peaceful resolution and rather make things difficult since the beginning.
Consumer complaint received 2023-03-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MN)

Freedom Mortgage has been a very bad company. First I just found out that they have not updated that they are the new company to service my mortgage and this happen in XXXX. Next we signed a loan modification back on XXXX and was told that copies would be sent both them and the local county. However this was not true as he local county did not get get this info and the Notary company that they sent did not send the info. In XXXX of XXXX we tired to do a streamline refinance for FHA and was told that this should take more than two months. In XXXX, I found out that the agent working on this left the company, no one told us this and that there was a name issue with my wife name that we was never told about. Now we are being told we need to sign new documents or lose the loan modification. Also they are not correctly reporting accounting info for our loan to the our credit report. Per our monthly statements we owe XXXX but they are reporting XXXX. Per rule are they suppose to report what your statement info is and not other info. I really need to have a member from FHA to work with me as Freedom Mortgage is very hard to work with and does not care about their customers
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: U.S. BANCORP (CO)

Hello, I am not a U.S. Bank customer but made an unsuccessful withdrawal transaction at a U.S. Bank ATM located in the same parking lot as the XXXX XXXX at. XXXX XXXX XXXX XXXX, XXXX, CO. Yesterday XX/XX/2023 at XXXX XXXX. I was making a {$320.00} withdrawal but the money slippped out of my hands and ban into the machine. I called 2 branches, was referred to customer service line, went into the branch on XXXX XXXX XXXX XXXX and spoke to XXXX XXXX XXXX who gave me a XXXX # which was supposed to be the number to their ATM Servicing Co. When I called it was the same customer service number. I feel like Im going in circles. Customer Service told me to contact my bank for a claim. My bank said they cant prove that I didnt actually receive the funds. Im just trying to at least get the number to their ATM Servicing Company. That Company will see that the ATM is {$320.00} over when they balance the machine out and if they review the footage they will see that the money fell back into the slot of the machine. I could hear it drop in the machine. and not onto my hands. It was XXXX XXXX dollar bills and XXXX XXXX XXXX XXXX  The debit card number ends in XXXX. The AID number is XXXX. I will also be reaching out to my base XXXX office to advise on the best way to resolve this matter. Please do not respond with another run around customer service number I need the ATM servicing Company number or someone at USBank security debt to watch the ATM footage. Thank you.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated by my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the reports by more than 7 years..

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate..
Consumer complaint received 2022-05-15
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (PA)

I have a mortgage with Freedom Mortgage. Currently, Im in mortgage forbearance until XXXX of XXXX Without my knowledge or consent, they have made changes to my original loan. They have increased my original loan amount from {$340000.00} to {$350000.00}. This action has negatively impacted my credit score. I was told, I would have three options to repay the outstanding balance. One option was full repayment at the end of 12 months. Second option was to make additional payments for 12 months. And the third option was to repay the outstanding balance when I refinanced and or sold the home. I choose the third option. Every month, they are sending late notices, even though Im in mortgage forbearance. I would like my credit score corrected and to reflect my original loan amount.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX  account # XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumers to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate. 
remove all accounts that are closed but still keep popping up account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # bank XXXX XXXX account XXXX bank XXXX XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX remove all accounts from this report that are closed but still keep popping up due to fraud
Consumer complaint received 2024-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (WA)

Intentional delay of the mortgage recast process. I have followed the recast procedure, paid the necessary curtailment principal and processing fee, yet there is nothing has changed and my inquiries have continually been met with " unknown difficulties '' and inevitable delays. 

XX/XX/24 Called Shellpoint Mortgage at XXXX to inquire about the process and fees of recasting process. I was informed that a {$5000.00} minimum is needed to initiate the recast as well as a {$250.00} fee. Once payment is received, recast should take 1-3 business days for new monthly payment to reflect on Account. 

XX/XX/24 I decided to proceed with the recast proceed. I called Shellpoint Mortgage at XXXXand make a principal curtailment of {$5700.00} and fee of {$250.00} totaling {$6000.00}, and submitted the signed authorization form. I was informed that I would received a confirmation of the recast in 1-3 business days. 

XX/XX/24 No recast change made and I called Shellpoint Mortgage at XXXX to follow up. I was informed that there is an unknown technical difficulty and that a ticket has been submitted to fix it. Recast should take an additional 1-3 days once the fix is completed. 

XX/XX/24 No recast change made and I called Shellpoint Mortgage at XXXX to follow up. Representative confirmed that the technical difficulty has been resolved, and recast should take an additional 3-5 days going forward. 

XX/XX/24 No recast change made and I called Shellpoint Mortgage at XXXX to follow up. Representative confirmed that all steps have been completed, unsure why the recast has not been applied, and informed me that a ticket has been submitted and recast should take another additional 5-7 days to complete. 

XX/XX/24 No recast change made and I called Shellpoint Mortgage at XXXX to follow up. I spoke with representative XXXX, who informed that all steps have been completed, but no action has been taken since and she is uncertain why this is. I have now been informed that I would receive an update by mid-XXXX. 

I have followed every aspect of the recast process as required by the company, and I have spent more than three hours on the phone in six separate occasions dealing with this matter. Disappointingly, I was met with continual and seemingly intentional delays even though the funds for principal curtailment and process fee have been taken at the first instance. This level of service is unacceptable.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (MD)

On or round XX/XX/2023, I submitted an online request with proper identification to LexisNexis to obtain my credit report/file. Instead of granting access to my consumer file Lexis Nexis immediately denied my request claimed I did not submit identification. 

According to my records l filed a complaint against LexisNexis with CFPB for this very same deceptive business practices. 

I am asking CFPB to enact of enforce law preventing consumer reporting agencies to delay or deny consumers access to consumer reporting forcing consumer to write to government agencies to gain access to said reports. 

LexisNexis is purposely denying consumer report/file to conceal this company has illegally re-inserted previously disputed inaccurate data and credit information to consumer report. 

LexisNexis re-inserting previous disputed inaccurate information that was removed from consumer report is intentionally lowering consumers credit scores and denying lending opportunities. I believe Lexis-Nexis is targeting American of XXXX XXXX  with this practice of reinsertion of disputed inaccurate information on consumer report to intentionally lower credit scores and I requesting an investigation to this deceptive business practice.
Consumer complaint received 2023-03-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I have tried to relative these issues with the credit reporting companies. Accounts showing closed on one date, but saying last payment in different date. Now they trying to update something from a previous complaint. FTC states wrongly use of my information is against the law. For example, a XXXX account thats states on the login account that I have until have until XXXX/XXXX/9999 to make payments, but I have late payments on credit report. Other accounts that was/have been reported incorrectly over the years. These accounts have been reported with wrong closed dates, payment statements, balances, and as well as last payment made. I have submit documents to XXXX XXXX on student loan through XXXX thats paid in full through ligation.
Consumer complaint received 2023-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NJ)

I modified my Mortgage in XX/XX/2019 and there is a clause of principal reduction has never happened I have attached a Time line, a set of documents about the modification and three pages of the Pricipal reduction agreement Please help me resolve this or giude me how to proceed.
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-03-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (PA)

My account was closed by Wells Fargo because of fraud/identity theft detection. I lost my card before the incident but never frieze it or reported it missing because I still had my card connected to my XXXX XXXX. Someone got a hold of my card and got my account closed and now its really difficult for me to open a new account with someone else.
Consumer complaint received 2023-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I am flabbergasted how a debt collection company dares to report a ridiculous amount to my credit reporting agency without having any contract nor any document that could validate such debt.

I had no debt to such creditor. The debt collection agency has reported this false collection amount fraudulently without following their legal steps. The debt collection agency is just trying to bother me by reporting a false claim instead of contacting and presenting documents to validate the debt.

Furthermore, the collection agency is being unresponsive and abusing the credit reporting agency for their own wrong doing.

I have no contract and no such proven debt. Due to lack of any validation of this debt the collection agency needs to be penalized not following Debt Collection ACT rules and regulations. 
On another note the amount of {$64.00} is

such a ridiculous amount that is another proof to my claim that the reporting agency is being abusive.

I need this falsely reported amount removed from my credit reporting and I definitely want federal support against such abusive unlawful practices conducted just to bully customer instead of conveying through competent legal system.

my contact number is XXXX should you need any further verification. 
The name of the collection agency is " COLUMBIA DEBT RECOVERY '' and their contact number is : ( XXXX ) XXXX
Consumer complaint received 2023-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX we made a balance transfer from our Bank of America Platinum rewards for {$1300.00} to XXXX XXXX . BoA does not allow electronic transfers to XXXX so a paper check from BoA, written and sent by BoA, was mailed on XXXX number is XXXX. XXXX XXXX received and cashed this check XXXX check was under My name, but deposited into and incorrect XXXXXXXX XXXX account number . Somehow this check had a clerical error, and two numbers on my account were transposed. I do not know who the other account belongs to an I am not privy to confidential information. Subsequently, once both BoA and ourselves realized that this error occurred, disputes were opened with both banks. Dispute was opened with BoA onXXXX. BoA never sent us any communication of the status of the Dispute. We were told to wait a month. On XXXX we contacted BoA to follow up and were told different things by different people. We spoke to both the Balance Transfers Department and Disputes. Spoke to XXXX, XXXX and XXXX to name a few. We were told by BoA that they had contacted XXXX XXXX and they received a letter stating that the account number on the check was a valid one. I also contacted XXXX XXXX and was told that BoA had never contacted them and they had no evidence of any approach by them. They were unable to give me any information as the account number the check payment was remitted to is not under my name. I was told multiple times by BoA that we would be contacted via phone. We received no follow up calls. On XXXX I again contacted BoA and was transferred from Balance Transfers Department back to Disputes. I spoke to XXXX who was incredibly rude. She said we would receive a copy of the front and back of the cashed check within 7-10 business days. I asked to speak to whichever 'specialist ' was handing my dispute, XXXX XXXXXXXX. I was told their department has no phone number or messaging system to contact these 'specialists ' and that they would call me back. I asked multiple times for a copy of the letter XXXX XXXX sent BoA and no information was shared. XXXX then ignored by requests to escalate the situation, I told her I was ok to hold for some one who could better help me. She hung up on me. Im sure theres a recording of this. In conclusion, I still dont know if I will be credited back the {$1300.00}. I will be following up with my dispute with XXXX XXXXXXXX and go from there. We have been customers of BoA for 12 plus years and are incredibly hurt by the treatment we have received. We don't know what the next step is with BoA and how we are going to recoup our money.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OR)

My husband and I experienced a total fraud from Citibank. We co-opened a checking account with a deposit of {$50000.00} in XXXX Citibank promised a {$700.00} bonus meeting necessary requirements. I met all the requirements and was told by several agents that all my qualifications have been met and to wait for 90 days and the bonus would be deposited. After calling for six months and spoken to many representatives and supervisors, we were assured we met all the qualifications and the {$700.00} bonus would arrive. I have names and dates. After speaking with the executive response team, they stated unfortunately, we are not aware of any promotions offered in conjunction with the opening of your account. Weve escalated numerous times with Citi managers and they refuse to honor their promotion after fulfilling our part. This is scam. We closed our checking account and we are both filing a complaint. Many consumers have been mislead by the fraudulent activities of Citibank.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services (MS)

My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.