davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America sent me an email my credit card account was closed. It has a XXXX  balance and a XXXX dollar limit. The customer service representative told me it was due to inactivity and then rattled of a collection on my credit report. He then stated my credit wasnt pulled, which is illegal without my permission. This company is a scam, the reviews on XXXX  and XXXX show a clear trail of deception. I want my account removed entirely from my credit report or Ill pursue legal action. It lowers credit scores when scandal companies like this operate in this manner on responsible customers.
Consumer complaint received 2023-12-16
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-15
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was trying to purchase a vehicle and I realize that I have damages on my credit remote. According to the 15 U.S.C 1681 Law, there should not be any damages on my report, its a defamation to my character.
Consumer complaint received 2023-09-01
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. (FL)

Did not authorize inquiries listed below please delete from credit report immediately thanks : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (TN)

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. Radius Global Solutions # XXXX, 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. In addition to this any authorization verbal, nonverbal, and written. I am now resending this authorization to opt out via 15 USC 6802.
Consumer complaint received 2023-12-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

We are currently on a very high loan for a XXXX XXXX XXXX. We have been behind on the car payments and are currently waiting for my husband 's pay for a job, the job is on a construction loan and taking longer due to the owners needing to request a bank draw. Before this my husband had an accident and was in the hospital after having XXXX on his hands as a concrete finisher he was not able to work and it set us back. I knew our car loan was in default but did not think that it was in actual repo status yet. We had been in the past and received a letter via the mail telling us the date we had to get the account caught up by. We have not received this mailing, I have received text messages that read " your account is severely past due, we may have options for you to avoid repo '' XX/XX/XXXX. " Your account has been assigned for Repo, call us to make payment options and possibly avoid repo '' XX/XX/XXXX. Based on it being " assigned '' I believed it was being transferred to be in repo status, but I still had time to avoid it if I could get a payment within the day. Knowing my husband would be paid soon. The Repo man showed up today while I was home. I was caught off guard and knew I had read in Wisconsin there was a " breaching the peace law '' I asked him about that and he said no, he could take it even if I declined. But I could call the bank while he was there. I called capital one and the customer service agent said I had to let them take it and then call back in XXXX hour. He also told us we would be able to get the car back and it was just going to a holding area and there wouldn't be any extra fees. During this time my husband had looked on his phone and saw that this was a law and that he could request for them to leave. The tow guy then changed what he was saying and said " Well yes you can but then your loan will be canceled for your car ''. Then told my husband he had to look in his body camera and say I orally declined this repo '' I do not have the name of the tow company. Capital, one does I imagine, and all of this is on his body camera, he told my husband and I it was on when we first started talking to him. After my husband declined the repo, I called Capital One and was told they could set up a payment plan. I have contacted an attorney and have a scheduled consult for later today. However, from what I understand, I should have received notice via mail of the repo and that the Repo man and Capital One can not threaten financial consequences on be due to me asking for them to not breach the peace during the repo, and him lying about the law not being valid could be considered that alone.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2018-11-17
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: Experian Information Solutions Inc. (NJ)

On XXXX I applied for a credit card and was surprisingly declined. When I got the reason via mail I was shocked to see that my credit score had dropped almost 200 points. I had an extremely difficult time reaching someone at Experian in regards to this matter. When calling in, you have prompts for about 3 things and none of them would bring me to a live operator.

I finally got through to someone and received my credit report via mail since I couldn't login online. When I got my report I was shocked again to see that another persons account had been merged with my own. I can't imagine how something like this would happen. Again, while trying to reach Experian via phone, it was incredibly difficult to reach an operator. It's almost as if they don't want you to resolve the issues. An issue that they themselves created.
Consumer complaint received 2023-12-12
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. (FL)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 2018-11-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I closed on my home XX/XX/XXXX. I have never missed or been late on a payment. My property tax and insurance was not calculated properly resulting in a shortage in escrow. My payments increased which I can not afford at the moment. I have been trying to get caught up on expenses since the purchase. I am making progress however I need more time. I was making payments to XXXX since XX/XX/XXXX. When they notified me of the increase, they have me the option of spreading the escrow over 24 months ( see attached ). I have been doing that since to get caught up. They sold their accounts to another company, XXXX XXXX XXXX. I started making payments to XXXX XXXX XXXX   XX/XX/XXXX. I informed them immediately that I was paying escrow spread out by 24 months and that it needed to remain that way as I had it set up with XXXX. They told me it would not be a problem and that I would see it on my next statement. I never received a response and when I called them 3 days ago to follow up, they told me I was denied it to be spread out over 24 months because it fell within a certain % threshold. I have never heard of anything like that. XXXX always asked me how much I could spread it. XXXX even offered to spread it out further than 24 months if I needed it. Please help as I can not afford this increase in payments. I take protecting my credit seriously as I do not want to fall behind in payments. This can not be fair and I should not be forced to stay with this company under their new rules if they are not making the same accommodations as XXXX. I did not make a decision to do business with them, my account was transferred and should have remained with the current escrow spread-out setup. I was paying {$1300.00} with XXXX. With XXXX XXXX, I am paying {$1400.00} because they will not allow it to be spread out more than 12 months which I believe violates my consumer rights. Lastly, they are saying I owe a late fee on my account, however I do not owe them any late fees. Even though they said not to worry about it, it still appears on my statement every month. The payment system does not say I have a late fee when making the payment, however online, it does. This needs to be removed because when I print my statements for personal needs, it will show I have a late fee. Overall, this company is very unorganized and does not resolve customer issues the way they should. The process for this transfer was not seamless and has caused many problems at the cost of the consumer.
Consumer complaint received 2024-06-10
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. (MD)

Account name : XXXX XXXX Equifax Account # : XXXX XXXX Account type : XXXX Revolving Account Status : XXXX Open Credit Limit : XXXX {$0.00} Date Opened : XXXX XX/XX/XXXX Payment Status : XXXX Current Monthly Payment : XXXX {$40.00} Balance : XXXX {$410.00} No. of Months ( terms ) : XXXX XXXX Past Due : XXXX {$0.00} High Credit : XXXX {$500.00} Date of last Payment : XXXX XX/XX/XXXX Last Reported : XXXX XX/XX/XXXX Date Last Active : XXXX XX/XX/XXXX 2 Year History : XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) Comments : XXXX Consumer disputes reinvestigation in progress Credit card In accordance of the fair credit reporting act XXXX Credit creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open credit plan as late for any purpose.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

The original signed loan agreement from XXXX stated that taxes and insurance have been waived by the lender and will be the responsibility of the borrower. I have never missed a monthly mortgage payment of {$1200.00}. I have payed the property taxes and have maintained the hazard insurance since XXXX. My mortgage is not in default. In XX/XX/XXXX, Newrez acquired my loan and placed a mandatory Escrow account for taxes and insurance that raised my monthly payment to {$1700.00}. In XXXX, I provided proof of hazard insurance for my condo so that the lender placed insurance and taxes could be removed. My request was denied. In XXXX, I provided Newrez with the original signed loan agreement that states taxes and insurance have always been my responsibility and it is illegal to change the original signed loan agreement. My request was denied because the hazard insurance was unsatisfactory. I need to provide proof of insurance from the HOA for the entire building. On XX/XX/XXXX, I provided Newrez with the insurance declarations from the building HOA for the entire condo complex. I have tried numerous times to pay my mortgage however, Newrez has warned that my mortgage payment will not be applied if I do not pay {$1700.00} which includes their insurance and taxes. I have already paid the first installment of my property taxes. I do not need a second insurance policy on my apartment and the building XXXX has proven the building has an insurance policy. Newrez is forcing me to default on my mortgage payment by not applying my monthly mortgage payment towards the principal and interest as I have done for the last 13 years.
Consumer complaint received 2023-12-12
Product: Credit reporting 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: EQUIFAX, INC. (OH)

The credit reporting bureau 's are telling me that my social security number is incorrect. They don't have anything for me. But I know I have bad credit. I know I have student loans. I know I have things on there so my credit should be active
Consumer complaint received 2018-11-19
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (SC)

XX/XX/2018 - Reached out to Wells Fargo regarding a HARP refinance and talked into the Loan Modification process since the HARP refinance had ended already. 

XX/XX/2018 - Approved and No Payment due this month per XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 - Payment 's made on time and in the amount of {$550.00} XX/XX/2018 - Filled out papers again per XXXX XXXX for Loan Modification XX/XX/2018 - Approved and No Payment due this month per XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 - Payments made on time and in the amount of {$800.00}. 

XX/XX/2018 - Filled out papers again per XXXX XXXX for Loan Modification XX/XX/2018 - Approved and No Payment due this month per XXXX XXXX. 


Each time I asked about the No Payment due for the month, it was explained to me by Mr. XXXX that this was worked into the Loan modification process and is designed to help the consumer. 

What was not explained was that this would be reported as 90-day late payments to our credit. 

I had most if not all payments Auto-Drafted and I never once received notice about us being behind in payments.
Consumer complaint received 2023-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I refinanced my {$650000.00} mortgage and {$80000.00} home equity line of credit ( " Heloc '' ) from Bank of America to XXXX XXXX. The closing occurred on XXXX XXXX XXXX  and the funding occurred on XX/XX/. Prior to the closing I checked online to find out how much interest was accrued as of the funding date and received a response from Bank of America. However, Bank of America insisted that an additional 5 days of mortgage interest and 9 days of Heloc interest ( beyond the funding date ) be included in the closing costs. This amounted to {$720.00}. I contacted the local law firm that was representing Bank of America XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) and spoke with XXXX XXXX prior to the closing date. I received an unsatisfactory explanation as to why it is necessary to collect the additional interest at the closing. As expected, the funding took place on time and Bank of America was paid in full on XXXX XXXX, including the overpayment of {$720.00}. I contacted XXXX XXXX XXXX XXXX XXXX in the afternoon and told her that I expect to receive a refund from Bank of America within the next 3 business days in the amount of {$720.00}. She told me that because their firm will include the check for the entire amount of the accrued interest owed to Bank of America in their XXXX XXXX XXXX  Bank of America will not deposit the check until XX/XX/. Therefore, I am responsible for the extra day of interest notwithstanding the fact that all of the funds were delivered to their law office by early afternoon on XX/XX/. In addition, she advised me that it will take 14 days for Bank of America to refund the overpayment that they insisted they must have in order for the closing and funding to take place. In other words, I am being charged {$150.00} interest for the same day ( XX/XX/XXXX ) by 2 Banks. Correctly by XXXX XXXX and incorrectly by Bank of America. I checked online and found out that the number of mortgages that are issued on an annual basis range from XXXX XXXX XXXX XXXX Accordingly, if the average amount of duplicate lender interest charges approximated {$100.00} per consumer, consumers are paying between XXXX XXXX XXXX XXXX XXXX XXXX XXXX in duplicate interest charges ( in addition to waiting 2 weeks to receive the excess interest consumers are required to fund at the funding date ). This is outrageous and lenders and their agents should not be allowed to take advantage of consumers in this manner.
Consumer complaint received 2023-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (MA)

I provided my lender ( PHH Mortgage ) with my insurance information ( XXXX through XXXX ) twice via the email address that was given to submit insurance changes. This was done in XX/XX/XXXX ( when my policy was due to expire/renew ) and again in XX/XX/XXXX because XXXX said XXXX hadn't received payment yet. I also called and spoke with a representative twice to confirm I was doing the right thing. 

At the end of this year ( XXXX ) I had significant escrow shortages ( {$4200.00} ). Unbeknownst to me, PHH Mortgage just didn't make any insurance payments from my escrow account to XXXX, my insurance policy lapsed and they set me up with some lender-appointed insurance company with which I had paid over {$3000.00} in insurance premiums ( even though the " premiums '' for whatever insurance they stuck me with is only {$2500.00} ) They never reached out in regard to this new insurance, they never asked me to find different insurance, and they won't provide me with documentation on what this insurance even is! 

When I called they said " We sent a check to XXXX and they returned it to us '' When I called XXXX to confirm this, they said they never received payment and if they did, they cash all checks and send payments back to the homeowner, not the lender. PHH Mortgage is not answering questions or reimbursing me.