davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX MORTGAGE AND XXXX XXXX EMPLOYEE was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 in 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. 

XXXX MORTGAGE AND XXXX XXXX EMPLOYEE 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 2019-11-20
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: Mr. Cooper Group Inc. (MD)

Since XX/XX/2019. My Mortgage was transferred from Seterus Inc. to Nationstar/Mr. Cooper. My Credit score have been declining ever since without proper notification or reason. Recently as today, XX/XX/2019. My credit score went down by 69 points. When I read the reason for credit score declining through XXXX credit monitoring monitoring service, the reason states credit limit decreases from {$130000.00} to {$120000.00} reported by NationsStar/Mr. Cooper. The amount reflects the amount mortgage going down. I would think that my credit score should go up since I am paying off my mortgage and this is not a credit card with credit limit. This is more absurd than anything since and I am not sure when we started to treating mortgage as credit limit instead Mortgage installments payments. So, I then looked recent homes sold within 5 miles radius through XXXX and other agencies real estate websites for homes like my own size or smaller. I discover most sold for over {$200.00}, XXXX and few around {$170.00} to $ XXXX. This made me more confused to why I am being penalized for always paying my bills on time and my credit is getting lower the more pay down my mortgage. I contacted Mr. Cooper/NationStar bank and they did not give any reasonable explanation to why this is happening, but my XX/XX/XXXX credit monitoring service clearly pointing the problem as Mr. Cooper/NationStar bank credit reporting. 

My Mortgage address is : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX The mortgage bank is : NationStar/Mr. Cooper XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number is : XXXX
Consumer complaint received 2023-11-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

On XX/XX/XXXX, a wire transfer of {$15000.00} was received from my investor to support the initiation of my business. The funds were promptly cleared and made available on the same day. However, on XX/XX/XXXX, the PNC investigations department unexpectedly froze these funds without providing any verbal or written explanation for the hold. 
Both the sender and I have made multiple attempts to contact PNC in order to verify the legitimacy of the funds and demonstrate that there is no fraudulent activity involved in this transaction. After reaching out to the sending bank, Bank XXXX XXXX, I was informed that all funds have been thoroughly verified and the case has been closed from their end. 
Despite our efforts, PNC continues to withhold my funds without offering any justification. This situation raises concerns of potential discrimination, as I have been fully transparent and cooperative throughout this process, as has the sending party. It is disconcerting that PNC persists in holding my funds without providing any explanation. 

Due to these circumstances, I have been compelled to postpone the commencement of my new business venture. The entirety of this situation is truly disheartening.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Today, XX/XX/2023, I have received an email to another address, which is not registered email address, XXXX. Because there is a question why this employee of your company, Bank of America, somebody called XXXX, who do not have any family name, can contact me with this XXXX address, I have decided to notify this fraud. Besides, this same XXXX must have called me this morning regarding something with dispute of CFPB, even though her file # did not exist after checking my account record of CFPB. Also, the telephone number written on this printed paper was same number, those who worked at Bank of America tried to make me call this XXXX, which meant two ladies called me to call this XXXX, who had the number XXXX. Since I considered these telephone calls were also suspicious, I wrote them. 

Sincerely,
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

experian and XXXX are reporting late payments after charge off and XXXX is showing no payment history on XXXX XXXX XXXXXXXX XXXX  card account number XXXX also reporting a high percentage of usage the account is closed or charged off I'm disputing the accuracy of this account with all three bureaus
Consumer complaint received 2023-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

I put down more than $ XXXX on my home ; in just about 8 years i never missed a single mortgage payment and in XXXX upon the death of my 45 year-old husband, Ditech locked me out of my on-line payment platform. with constant phone calls to Ditech, I was repeatedly told that they did it for my own good so that i could qualify for a loan modification. 

I repeatedly told Ditech that i did not want nor need nor request a loan modification but they would not allow me to pay my mortgage. in XXXX they advised that unless i made a lump-sum payment of more than $ XXXX, they would foreclose. they would not ( and still have not ) provided me with any type of accounting and would not inform me as to how they arrived at the figure of more than $ XXXX. 

I hired an attorney in XXXX of XXXX to pay them the extorted amount - $ XXXX and Ditech then allowed me back into my on-line payment platform. they still would not provide me any accounting. I resumed making my mortgage payment for almost 2 years when Ditech, again and for no apparent reason, locked me out of my on-line payment platform. 

repeated calls to Ditech became an almost full time job ; wherein they continued to tell me that the lock-out was for my own good so that i could qualify for a loan modification that i did not want nor need nor request. 

in XXXX Ditech, a loan servicer with no lawful ability to foreclose in the commonwealth of MA, succeeded in railroading me into an unlawful foreclosure.
Consumer complaint received 2024-08-30
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: Experian Information Solutions Inc. (PA)

My recent consumer report is showing unauthorized and unverified inquiries from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the inquiry dates is XXXX XXXX, XX/XX/year>, XXXX XXXX. These unauthorized inquiries are hindering me from utilizing my credit according to 15 U.S code 1602 ( p ) these unauthorized inquiries needs to be removed immediately.
Consumer complaint received 2019-11-20
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. (IN)

I apply for a credit card over two weeks again. I get a letter in the mail. Saying I was denied do to my score being a XXXX. I called experian to get this taken care of. Because on there web site it show my score as being a XXXX. Also there are thing that I have paid in full and its showing on those account they are derogatory marks when accounts have been paid in full. I have apply for credit cards and get denied all the time because of this. Also XXXX XXXX put a freeze on my account. I have called and sent in request to have it removed and its still there. I am not happy at all because my other credit scores are in the 600. 

Thank you so much for your time
Consumer complaint received 2024-08-30
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. (GA)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (PA)

Originally I was a Suntrust customer. I continued to utilize my cards. One personal credit card the other business. Truist became the new bank which held now held my accounts. When I went on line to pay my personal card I realize that my Business card was not coming showing. Contacting them, they could not find my information. My business card had XXXX bal. and would not expire until XX/XX/XXXX. I assumed they closed my account. Nothing in writing from them. So I never used the card again, The only card I continue to use was my personal credit card... In the month of XX/XX/XXXX I realized another account was showing with a different number with an outstanding balance of {$190.00}. I contacted them immediately. They claimed it was related to my business card and that amount reflected interest charges from an outstanding balance. When I ask them what purchased was made, they could not retrieve the information. Let me just say my last purchase on that card before it disappeared was for approx. {$14.00} XXXX of XXXX. Secondly the address attached to that outstanding bill was my old address that I had not lived at since XXXX of XXXX. All my statements had been sent to my new address when I made the move when it was still Suntrust. I have been battling this since XX/XX/XXXX. I closed my personal account because of my lack of confidence in this institution. Recently I had a collection agency contact me associated with that account. She said she would provide the information associated with that outstanding debt and mail it to me. In the meantime I get a email from Truist with an on line statement. Logging in I see that not only is that outstanding balance still on there but now it had increased to {$2100.00}. How is that possible? After filing this with their Fraud department, they came back with no resolve. Where is my business credit card and information Truist? It is impossible to reach anyone there. I would like this cleared up and this resolved. Something went awry with the change of hands.
Consumer complaint received 2024-07-23
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: EQUIFAX, INC. (MN)

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXX XXXX XXXX - XXXX - My information was compromised in the Equifax data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! 

XXXX - XX/XX/XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!
Consumer complaint received 2023-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BSI Financial Holdings, Inc. (LA)

I have been a customer with BSI Financial for three years. During this time I have never defaulted on the loan or been late. Recently I decided to sell my house and began the process with my realtor. I requested a payoff quote from BSI that was issued on XX/XX/2023. This was provided to the realtor and the title company. The payoff stated this amount was good through XX/XX/2023. BSI unbeknownst to me, sent out an insurance escrow payment of {$300.00} on XX/XX/2023. On XX/XX/2023 the title company wired the amount on the payoff quote from BSI to payoff the mortgage. On XX/XX/2023 I received a call from BSI stating they were rejecting the wire because it was {$300.00} short. After numerous calls from the title company and myself to BSI, there is still no resolve. Ive been informed that it is not their problem basically and that the payoff team doesnt take calls. XXXX XXXX, they emailed me stating my payoff was now almost {$700.00} because it is a 30 day payoff estimate. I called again this morning and was told Id just have to pay it and interest fees. Allegedly, theyd refund me any overages. I expressed that I shouldnt be responsible for interest all of these additional days due to an error on their part. The issue has been escalated to the presidents office there twice and still, no one will resolve my issue.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (AZ)

WIFE DIED XX/XX/2020. THESE ACCOUNTS WERE UNKNOWN AT TIME OF DEATH. WHEN XXXX WAS MADE AWARE, HE PAID OFF ALL ACCOUNTS, CONTACTING ALL CREDIT CARD COMPANIES AND INFORMING THEM WIFE IS DEAD AND ACCOUNTS NEED TO BE CLOSED. 
PAYPAL, SUBDIVISION OF SYNCHRONY BANK, SAID THEY CLOSED THE ACCOUNTS. THEN WHEN A RENEWAL AMOUNT ARRIVES, UNKNOWN TO XXXX, THE PAYPAL ACCOUNT IS REACTIVATED AND THE BILL SENT TO XXXX. HE IS NOT RENEWING ANYTHING, AND HAS CONTACTED EVERYONE HE CAN FIND TO CLOSED AND CANCEL. BUT PAYPAL REFUSES TO BELIEVE SHE IS DEAD AND CONTINUES TO HARRASS WITH ADDITIONAL BILLS. 
YESTER ANOTHER BILL ARRIVED AFTER WE CONTACTED THEM AND SENT ANOTHER CERTIFIED LETTER CONTAINING THE CERT COPY OF DEATH CERTIFICATE TO THEM, REQUESTING PAYMENT FOR A NEW CHARGE. 
NO ONE WILL ACKNOWLEDGE THE PREVIOUS PERSON HE SPOKE WOTH EVEN WORKS THERE, AND THE BILLS KEEP COMING. NOW WHAT DO WE DO?
Consumer complaint received 2024-07-23
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. (PA)

On XX/XX/year> I sent a dispute letter to the bureaus pertaining to the inaccuracies that are listed in collection on my credit report and after 30 plus day investigation everything came back verified. But when I went to check my credit report everything was still the same with opening and closing dates still not matching 4 to 5 different name variation spelling of my first and last name etc. I sent out second round of letters disputing inaccuracies again using more laws to back up the previous one.
Consumer complaint received 2023-11-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MS)

NAVIENT SOLD MY LOAN TO A UNKNOWN THIRD PARTY XXXX WITHOUT MY CONSENT AND MADE IT HARD TO FIX THE LOAN. THERE WASNT ANY COMMUNICATION FOR YEARS.
Consumer complaint received 2023-03-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (ID)

I am trying to find out about the recent Wells Fargo penalties for improper processing of loan modifications. 

I had a home and had been living in it from XXXX  until Well Fargo foreclosed. Wells Fargo refused to allow us to do a loan modification to reduce our payments. We were told that we had too much income to qualify for a modification. At that time the only income we had was from student loans which we got 3 times a year and they were about {$6400.00} each of the 3 times a year that we got them. We were told that because we were low income enough to qualify for pell grants ; that the {$5500.00} in pell grants that each of us got ; and that money all went straight to the college; was money that would be counted as income for us and that would make us over the limit to qualify for a modification on our home loan. 

We did lose our home and it basically financially destroyed us and then two years later Wells Fargo sold our house for about half of what we owed on it when they foreclosed. I would really like to know how a person could find out if they are owed money from Wells Fargo? I am really sure that Wells Fargo will not do one honest thing unless somebody is standing over them with bat and making sure they do what they are suppose to. 
How can I find out if they owe me money? 

XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

" These furnishers continue reporting false, inaccurate information on my credit report. XXXX, XXXX and Equifax continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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 inaccurate. 
- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX