davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (SC)

My home property taxes were assessed at the wrong percentage of XXXX XXXX instead of XXXX XXXX because the house was not listed with the county correctly. When I saw the issue because of much higher my monthly payment was and my escrow being incorrect, I contacted XXXX, who was then the servicer of my mortgage. They told me I needed to go and fix the issue with the county, but advised me that it was best to go ahead and pay the higher incorrect amount now and to keep my loan current, and that when the county issued the money back to XXXX, I would receive a refund for the overage. This should have been in the amount of {$680.00}. As I was in the process of getting my taxes fixed with the county, I found out my loan was sold and now being serviced by a new lender, M & T Bank. They still have the incorrect amount as my monthly payment that is due. I have had to do A TON of back and forth trying to get this all situated. So on XX/XX/XXXX, a check in the amount of {$2700.00} was sent from XXXX XXXX to XXXX, who handles the billing for both of these lenders, the check initially went to XXXX, then I had to get XXXX to send the check to M & T, and now they are telling me that I am only due an overage of {$54.00}. I spoke with a woman named XXXX from XXXX XXXX on XX/XX/10, then XXXX and XXXX at M & T on XX/XX/10, and then their supervisor XXXX XXXX who told me I would be receiving a check for {$680.00}. A month goes by and nothing, then I receive a new analysis saying that my overage is only {$54.00} because the last analysis was saying I was suppose to pay {$20000.00} in XXXX as well, but I purposefully didn't make a payment to M & T UNTIL we got everything squared away, and now they are taking money back saying I owed them the higher, incorrect, amount. Bottom line is, I paid a higher, incorrect, amount to XXXX in XXXX, they sold my loan to M & T, and now they are telling me too bad, you're not getting the money back, even though that is what I was advised to do. Please help me rectify this, I have jumped through a hundred hoops and thought I had it squared away and it's not.
Consumer complaint received 2023-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Applied Data Finance, LLC (AZ)

Back in XXXX I had identity theft and accounts were open with my information. It got to the point where my social has issues now with the IRS due to the theft. This company I have no knowledge of, when I looked at the last case I created the address and other information doesnt even match any past addresses or information of mine. This needs to be removed immediately and when I let Personify know it was identity theft they told me to fill out a form and send it in. When I sent that information a hour later they told me to pretty much kick rocks.
Consumer complaint received 2024-04-24
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. (NY)

The account number, high balance, payment history, account status, and other data from my XXXXXXXX XXXX XXXXXXXX account is inaccurate and different on all 3 credit bureau reports. XXXX has failed to provide documentation of sufficient investigation or to remove the inaccurate information.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Closed Accounts : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (AL)

My mortgage was recently sold by XXXX XXXX to Roundpoint. No problems with XXXX XXXX, but that is not the case with Roundpoint. 

On XX/XX/XXXX, I received a form letter from Roundpoint stating that they received a payment from me that was short of the necessary amount by {$50.00} or less. This is absolutely false. This is also the second letter like this they have sent me. The payment my bank sent matches the payment I was required to make according to my mortgage statement from them, and it also matches what they show I paid. It also matches what I was paying to XXXX XXXX. 

Then the same day, I received a new mortgage statement from them increasing my payment, with no explanation what so ever. Calling their customer NO SERVICE number is futile, it is geared to only extract payments from people, not to actually provide service. 

The law requires them to notify me if my payment increases due to an escrow shortfall, and allow me the option to pay it upfront or over the course of 12 months. I have received no such notification, nor have I received an escrow statement showing payments in and out. 

I filed a complaint with Roundpoint online and have heard nothing. Trying to call in and speak to a live person is futile. There was no option to do so. 

Normally, if I experience this level of difficulty with a loan servicer, I could just go refinance the loan with someone else, however, with inflation and the current interest rates, I would be looking at more than a XXXX  point increase in interest, which is likely the reason they are being so difficult, they don't want to service a loan paying 3.25 % interest when a new one would be 6+ % interest. 

They also send out statements on the second day of the month, showing me past due, when my payment isn't past due ( late ) until the XXXX. XXXX XXXX didn't do this, they sent out statements after the XXXX. 

This is predatory behavior. If you look online, Roundpoint has terrible customer service ratings and alot of complaints for exactly the same behavior, and their response is always the same.
Consumer complaint received 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The account number, high balance, payment history, account status, and other data from my XXXXXXXX XXXX XXXXXXXX account is inaccurate and different on all 3 credit bureau reports. XXXX has failed to provide documentation of sufficient investigation or to remove the inaccurate information.
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (MI)

I talked to a representatives of Fay Servicing about clearing up a non payment issue on XX/XX/XXXX. I have called twice a day on the XXXX. I have left messages and call back requests. They have not cashed 2 of my checks and are sending me letters telling me I am in pre foreclosure. I just want this cleared up and back on a payment schedule.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello I have a business bank account with Bank of America and Ive deposited money into that account from business revenue so far in the amount of about {$14000.00} and on XX/XX/2023 i was no longer able to access online banking. When i called i was told that the phone number that i had on file could not be used to gain access to my account and that they could not help me further without goin to a branch and then on XX/XX/2023 my business debit card stopped working and i called again and the representative told me they couldnt send a code to my phone to verify me so therefore they could not help me and that i needed to go to a branch, they would not tell me why my debit card was not working or why my online banking was not accessible they also told me i should receive a letter regarding my account and a reference code, Ive NEVER received such letters regarding my account besides a bank statement. 
this is absurd and i went to a Bank of America branch with my id credit card and social and was told that they could not help me either and that i had to speak to someone on the phone. So as you can see there giving me the run around i need to access my account to run my business smoothly and effectively this is completely unacceptable for Bank of America at the very least i should receive a letter outlining the status of my account!!!
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (MD)

I requested information on TOTAL Deposits over ALL time. This information is held in secret and is not available to account holders at any point. They would have had to track it on their own. I have no way to verify that the interest rate I am getting is accurate since I don't know how much I actually have deposited into my account. It is NOWHERE on their TERRIBLE website, and it is NOWHERE on their statements. I have emailed ( they won't share email addresses with anyone who can resolve ) and called NUMEROUS TIMES. I was most recently told I would be called back " tomorrow ''. It has been weeks.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I received my credit report from your company. Later looking at it, I found that the information you are stating on some items contains not only invalid and inadequate data, but both inaccurate and incorrect data as well.This data is hurtin me since it is affecting the interest rates that I am able to get and limits my credit capacity. I am distressed that you failed to keep up reasonable methods to assure the most extreme possible legitimate completeness, accurateness and correctness in the credit reports that you give to creditor Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent and as Consumer by law I am asking them to provide any evidence showing authorization transaction from myself to them as I will never allow my info to be shared without my permission and Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

As a consumer by law this account must be deleted immediately!
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SLM CORPORATION (IL)

Salle Mae has inaccurate information on my credit report and i want it removed. 
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.

Convergent Account # 1234, 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 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 2022-11-01
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: Experian Information Solutions Inc. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$49000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00}
Consumer complaint received 2024-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington Mortgage Loan Number : XXXX On XX/XX/XXXX, I reached out to Carrington Mortgage regarding an adverse report that they sent to all three credit reporting agencies ( lowering my perfect XXXX score to an average of XXXX ). 

For the last several years, I have had my monthly bills on electronic billing and my payments on auto pay. Apparently, sometime in XXXX of XXXX, Carrington Mortgage performed an out of cycle escrow analysis that resulted in my bill increasing. Because I did not receive correspondence of the " out of cycle '' analysis and because my monthly payments are automatically sent, I did not realize that both XXXX and XXXX 's bills were slightly underpaid. Because of this ( as I mentioned above ), Carrington trashed my credit - vs. seeking other means to reach out to me and rectify the problem. 

During the XX/XX/XXXX call, I quickly remedied the situation and brought my account back to good standing. Because I did not receive the notice of out of cycle review, I asked the reprehensive ( named XXXX XXXX if Carrington could notify the credit reporting agencies that it was a mis-understanding. His response was that he couldn't help and to give me a fax number to send a request for Carrington to rectify the problem. He made sure to tell me that they may or may not help me out. 

Further, On XX/XX/XXXX, I received a check for {$500.00} from Carrington Mortgage. When I looked at my account on their website, there was a transaction record stating that the check had been sent to me because during the " NORMAL '' escrow review ( only XXXX months after the out of cycle review ) it was found that I had actually paid too much money into my escrow account. 

So, now I'm questioning ( XXXX ) why the out of cycle review found that my account had an underage ( XXXX ) Why Carrington was so quick to trash my credit score ( when ONLY a slight underpayment was sent ) and ( XXXX ) why they did XXXX and XXXX when the in cycle escrow review actually said I had TOO much money held in escrow. 

I'm very concerned that Carrington has engaged in Unfair, Deceptive and abusive behavior- with my perfect credit score unjustly taking a significant hit due to Carrington 's mis-management of my overall escrow account. This is unfair, plain and simple and i snot in the best interest of protecting the consumer.

At this point, I'm requesting the CFPB to advise Carrington to retract the adverse notice they sent to all three credit agencies for the months of XXXX and XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-11-03
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: MECHANICS BANK (CA)

An account from Mechanics Bank XXXX XXXX was deleted from all credit agency reports after this account was charged off in XX/XX/XXXXXXXX  as it was also Written off with the balance of {$9100.00} After this account was deleted from my credit reports, a collect company appeared on my credit report for this charged-off debt from Mechanics Bank . 

When I contacted the collection company, I was told the account was sold to : XXXX XXXX : This collection company never sent me a notice that they had this account in their office. 

I called Mechanics Bank XXXX XXXX on XXXXXXXX  to see who holds the collection of this account. Mechanics Bank ( XXXX ) told me he did not know who now holds this collection. 
I could call bank on the next business day and he might have some information for me, as he did not have any information about this account in his files at their office. 

On XXXX I called Mechanics Bank back and spoke with XXXX again, who told me the last known collection company for this account was with XXXX XXXX XXXX XXXX XXXX . 

On XXXXXXXX  I called XXXX XXXX XXXX XXXX who informed me the account was sold to : XXXX XXXX  he gave me their number and account number. 

On XXXXXXXX  I called XXXX XXXX  and spoke with XXXX XXXX who informed me the account was no longer in their office, that it might have been sent back to Mechanics Bank back in XXXX of XXXX. 

On XXXXXXXX  I called Mechanics Bank and spoke with XXXX again, who informed me, that the statute of limitations on this account was up and this account was no longer able to be collected. He said, he will accept a settlement offer of {$13000.00} if I was willing to pay this. I told him the last known balance with a collection company was only {$9100.00}. He informed me that if he was to accept a settlement offer from a charged off account that was already closed, they were adding interest to this loan. The account is charged-off and closed, but they wanted to collect an additional {$4300.00} on a debt that is uncollectible due to the statues being up on this account. 

The vehicle was repossessed in XX/XX/XXXXXXXX  ... Charged-off, and then sold many time to different collection companies, from one collection company to another collection company. Because no collection company kept the debt, and the original creditor Mechanics Bank sold it, they decided to say they now had the debt back in their office, when just the day before, XXXX was working on helping me locate the collection company that had bought the debt. Therefore, the debt was paid when the collection company purchased the debt from Mechanics Bank back in XXXX. 

Mechanics Bank removed the original account from all credit bureaus back in XXXX, and now decided to collect on a debt that is uncollectible and place it back on the credit reports.
Consumer complaint received 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-04-27
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SN SERVICING CORPORATION (NY)

SN Servicing Corporation is a debt collector who must maintain reasonable procedures for determining the statute of limitations applicable to a debt it is collecting and whether such statute of limitations has expired. In the State of New York, the promissory note and mortgage are contracts, and there is a six-year statute of limitations law in effect. The last payment made on the subject account according to SN Servicings internal records was XX/XX/XXXX. 

SN Servicing became the servicer of the subject account on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX XXXX became involved via Assignment of Mortgage XX/XX/XXXX. The New York XXXX XXXX  XXXX XXXX XXXX states in debt collection rule 23 NYCRR 1, Section 1.3, SN Servicing Corporation is required to inform me that the statute of limitations has expired. The Fair Debt Collection Practices Act, 15 U.S.C. section 1692, et seq strictly prohibits debt collectors from seeking payment on legally time-barred debts.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of a time-barred debt. Nor may a debt collector use unfair or unconscionable means to collect or attempt to collect a time-barred debt. It is also a violation of the FDCPA for a debt collector to bring or threaten to bring legal actionwhether explicitly or implicitly against a consumer to collect a time-barred debt ( 12 CFR 1006.26 ; see generally 86 Fed Reg 5766, 578182 [ describing CFPB interpretation of this rule ] ).

SN Servicing Corporation has deliberately refused for years to inform me of the disclosure or disclaimer about the statute of limitations being expired as required by the New York XXXX XXXXXXXX XXXX XXXX debt collection rule 23 NYCRR 1, Section 1.3XXXX, despite many written requests.