davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

My new mortgage originated with XXXX Mortgage in XXXX of XXXX. My first payment, due XX/XX/XXXX, was paid on time to XXXX. XXXX transferred servicing of my mortgage to Lakeview Loan Servicing, subserviced by XXXX and transferred the amount I had paid them. XXXX showed this payment as a XXXX XXXX Applied on XX/XX/XXXX. The entire amount was applied to the Escrow Paid column. I then made my first payment to XXXX which was applied on XX/XX/XXXX for the month of XXXX. This payment was correctly applied between Principal - {$520.00}, Interest- {$2100.00} and Escrow - XXXX. On XX/XX/XXXX the amounts applied on XX/XX/XXXX were reversed. An additional {$520.00} was debited from Principal on XX/XX/XXXX. My next payment was applied on XX/XX/XXXX for the month of XXXX but shows with a due date of XX/XX/XXXX. On XX/XX/XXXX the amounts applied on XX/XX/XXXX were reversed. Also on XX/XX/XXXX a dollar amount of {$2600.00} shows under the AmountPaid column which is supposed to be the total amount of Principal, Interest and Escrow but those columns all show {$0.00}. On XX/XX/XXXX with a Description of Escrow Payments the amounts of {$520.00} and {$2100.00} show under the Principal and Interest columns respectively but there is no amount showing in the AmountPaid column. Those amounts however appear to tie back to the second entry on XX/XX/XXXX. It was about during this time I received an alert from one of the credit monitoring agencies I used that my XXXX mortgage was reported as being over 30 days past due and my credit score was being dinged in the neighborhood of XXXX to XXXX. I found out when I called them my AutoPay had been suspended because I was past due. I explained to them I was not past due. I had made every payment on time and the error was on their part. After many phone calls and being passed around they finally said my case would go to their Escalation Department, I would be assigned a Case Manager and they would be in touch within 7 business days. I never heard from anyone. I received an email saying my issue had been resolved on XX/XX/XXXX. I called today, XX/XX/XXXX, to find out when my XXXX XXXX was going to be repaired and was informed it would be XXXX days. This is unacceptable. XXXX made a mistake ( s ) and ruined my credit score in a day but I cant get it fixed for XXXX days??? Not right. They claim to have called me. If they did, no messages were left. I would have called. They said sent a letter on XX/XX/XXXX. I was on vacation and did not get it until returning on XX/XX/XXXX. They did not send me an email. This should be mandatory before harming someones credit score. Most people dont answer their phones today when they dont recognize the number, me included. They had/have my email. Why didnt they use it? I want my good credit restored as quickly as they took to XXXX it up. Not 60-90 days. That is wrong.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2024, at XXXX, I received a call from XXXX regarding a suspicious transaction of {$400.00} from XXXX. The caller introduced himself as XXXX XXXX, a senior fraud specialist. He asked for my name, date of birth, social security number, driver 's license number, email address, and password. He sounded reassuring and stated that he was there to help. After the call, I was trying to make an online purchase, but it kept declining my payment method. I also received an email stating that I had an overdraft of {$400.00}. My bank texted me that it had declined a suspicious transaction on my credit card. I immediately called my bank, Bank of America, to report the fraud. They had confirmed that my credit card was used for a {$400.00} transaction, and a {$400.00} transaction was used to send money through XXXX.
Consumer complaint received 2017-07-18
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. (CA)

My husband and I are in the process of refinancing our home, we wanted to take advantage of the lower fixed rates before they rose. Much to our surprise our credit scores, the one indicator that is supposed to help us to secure the best rate in the market failed us. We have NEVER been late, we have NEVER had a BK, we have NEVER had a charge off, yet our middle lowest score is what the banks use to determine our RATE at the bank and it was a XXXX, my low was a XXXX from Transunion and I am totally embarrassed by this. My sister who has a Charge off, a repossession and many late payments has the same score as I do. Then I did some looking and the credit reporting agencies have changed their model which primarily takes credit utilization as their primary source of scoring in their model, however it is missing one vital component to ensure that it is a fair assessment and that is my income, it only has one piece of the pie, then they have added a " potential of bankruptcy '' indicator, how is this possible, I would dispute its accuracy. This is straight up unfair and deceptive practices. I am now forced to refinance my house at 5 %, when my REAL credit, 24 years of never late, no charge offs, no delinquencies, ( 3 ) mortgages over $ 1.3M paid in full, never late, no bankruptcies and I am a XXXX  for the purpose of the rate I deserve. No matter what you say to the banks, look at my history, there is nothing that justifies the rate you are quoting me, and their response is that they have to go by the score, regardless of your history to protect themselves from regulatory scrutiny.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was looking over my credit report and found some addresses that appear to be incorrect. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have attached a letter as well as my Identification
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 — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Begining 2022, I submitted on 3 different remittance coupons ( which is to Bank of America, they accepted the coupon and then took adverse actions against me for exercising my rights by closing the account and continued to bill me. A remittance coupon is a negotiable instrument. 
12 CFR 1026.13 - Billing error resolution. 
a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.

( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. 
Violations ... 

( XXXX ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. 
I have uploaded evidence of my attempt to communicate and resolve this issue. 

15 U.S. Code 1693m - Civil liability ( a ) INDIVIDUAL OR CLASS ACTION FOR DAMAGES ; AMOUNT OF AWARD Except as otherwise provided by this section and section 1693h of this title, any person who fails to comply with any provision of this subchapter with respect to any consumer, except for an error resolved in accordance with section 1693f of this title, is liable to such consumer in an amount equal to the sum of ( 1 ) any actual damage sustained by such consumer as a result of such failure ; ( 2 ) ( A ) in the case of an individual action, an amount not less than {$100.00} nor greater than {$1000.00} ; 1. Cause me Stress 2. Closed my acct 3. Damaged to my credit file Question : Who has the actual, implied, or apparent authority to use consumers credit card or open-end credit pursuant to 15 US code 1602 ( l )
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-09
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: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquiries listed below needs to be deleted immediately I did not authorize these inquiries 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 2023-05-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Portfolio Recovery Associates contacted me via written correspondence and telephone in attempt to collect a debt allegedly belonging to me and all past the statute of limitations. I sent a cease and desist letter to Portfolio Recovery Associates via certfied mail. Tracking confirmed an agent of Portfolio Recovery Associates received the letter on XX/XX/2023. 
I continued to receive daily phone calls. On XX/XX/XXXX, I sent an email to XXXX with a 2nd written request to cease and desist communication. Portfolio Recovery Associates continues to call.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE EQUIFAX, XXXX, AND XXXX XXXX BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND XXXX  AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

The bank closed my account because I complain about their services and withheld my remaining balance of $ XXXX as this time they have not return my money it is the law that when the bank close the account they have 60 days to return my money and it is now over 7 months?
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2016-01-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

In its XXXX XXXX, XXXX response ( Ex. XXXX ) to my prior CFPB Case XXXX, Ocwen confirmed that the subject loan has been owned by American Home Mortgage Assets Trust XXXX ( " AHM Trust XXXX '' ) continuously from XXXX XXXX to the present, stating, " the Consolidated Note was never transferred out of the AHM Trust XXXX. '' Importantly, in later contradicting said statement in the same response, Ocwen nonetheless states that the loan is held by American Home Mortgage Servicing. In addition to be inconsistent with the initial response above, said response requires withdrawal of the inconsistent documents under Ocwen 's Consent Judgment with CFPB. A more complete explanation is set forth in the attached letter to CFPB General Counsel XXXX.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (LA)

I received an American Express gift card on XX/XX/2023. Whenever I use the card, it's declined. I have tried at least six times to use this card, and it's declined everytime. I've tried at XXXX, XXXX, XXXX, XXXX, XXXX. The only denial that shows under transactions is the denial from XXXX, for {$0.00} ; other denied transactions aren't showing at all. I called American Express 's customer care on XX/XX/XXXX and was told that the merchant must not accept American Express, which is in no way true. She refused to further assist me and hung up in my face. I have {$100.00} that is stuck on this card that can't be spent because every transaction is declined ; whenever it's declined, I get a message about a problem with the issuing bank. There are limitless completed online regarding this exact same problem, and I'm definitely not making this up. American Express needs to rectify this situation and issue me a physical card. American Express is holding my money hostage and won't release it to any merchant for a purchase.
Consumer complaint received 2023-05-25
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. (GA)

For the past XXXX  years, Experian or XXXX have not reported my mortgage with XXXX XXXX on my credit report. It has harmed me greatly. I have sent proof of my mortgage account and requested XXXX XXXX to intervene without results and with getting the same standard letter from XXXX XXXX, that the mortgage is being reported accurately to all XXXX bureaus. XXXX XXXX states that in their last attempt that they were able to get XXXX to add the account, but Experian refused. If this report of no real estate is inaccurate and severely hampering my living standards, why is this ignored?
Consumer complaint received 2023-05-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TD BANK US HOLDING COMPANY (PA)

XXXX XXXX XXXX contacted my husband about my deck collection. My name is XXXX XXXX. They told my husband the amount of the debt and what I owe with interest and try to make a deal with him to pay a lesser amount. This is not my husbands debt. It was my credit card. they went against the law to talk to my husband about it
Consumer complaint received 2023-05-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (GA)

I have sent over requests for validation, that come back as verified, that have not followed 15 U.S. Code 1692g. Most recently, I sent over my final request, which asked for a notarized account ledger, which was received on XX/XX/2023, by at XXXXXXXX XXXX, and I have yet to receive any correspondence back from them with the requested information, which states that it is not a refusal to pay, but a validation of the debt is needed to go forward.Due to the fraud that has occurred, at the expense of the illegal disclosure of my information, I am checking all accounts for their validity. I have also disclosure in the up-to-date notarized letter that they shall receive, that I have not given authorization to provide my information with a 3rd party, as that is a direct violation of my privacy. 

Codes 15 USC 1692 ( f ) and 15 USC 6802 ( b ) should be consulted.
Consumer complaint received 2020-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lending Club Corp (MD)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I was scammed into XXXX  someone ( named XXXX on XXXX ) money for a concert ticket for {$170.00}. I XXXX  them so the scammer 's XXXX is associated with their bank and real identity. I called XXXX immediately and they told me they would look into it. I called again today on XX/XX/XXXX to see the status and the person I talked to on claims was incredibly rude and dismissive. They said I wouldn't get my money back and the case is closed and they won't do anything about it. Fine, it's XXXX thing if I can't get my money back, but I expect something to be done about the scammer 's account. Their XXXX is clearly attached to XXXX so they have an account and I can not believe that XXXX is unwilling to look into this account. How could you want to continue doing business with someone that scams people. This scammer 's account should be reported or closed or there should be action taken. As a long time customer of XXXX 's banking and credit services, I am incredibly disappointed with the way they have handled this. I get that I shouldn't have sent someone I don't know money but why does all the blame get put on me and not the evil person scamming others? I know XXXX can do something about this and it's sad that they do not care about all the people being scammed .... I expect my money back or for this scammer 's account to be closed and reported or I will be moving my primary banking and credit card relationship to a financial institution I can have faith in.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

Please remove all fraudulent inquires as I have no knowledge of any of these inquires due to the breach Identity theft. My information was also impacted by the data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Balance {$0.00} ; XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX XXXX