davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint is about a mistaken identity. 
My loan servicing had been switched to BofA in XXXX and all the time from then on paying my mortgage every month.to Bof A. 

I got a notice in XX/XX/2019 that my payment will go up from {$4400.00} a month to {$7200.00} per month starting XX/XX/2019. 
I called BofA right away about the increase on XX/XX/2019and I got an answer stating that there was a clinch in their system and also because the increase was against the government law. And my payment will be adjusted to less than {$4000.00} a month. 
I was relived by her statement and been waiting for the new statement reflecting the modified reduced monthly payment. 
But instead I received a new statement inXX/XX/2019 stating the same increase of {$7200.00}, I tried using the XX/XX/2019 to pay to pay XXXX payment but paying on the phone using the loan amount info and my SSN no. was telling me the loan no and SSN do not exist. The statement had the Bof A. And customer service accepted my payment was accepted for XX/XX/2019 by BofA with invalid loan no and borrower did not have a mortgage loan in record. I found this mistaken identity after I made my XX/XX/2019. I nytied to gat a nortgage loan officed I now know that there was really a glitch in their system on XX/XX/2019 and never corrected the mistaken identity of the borrowers name and the loan no. I could have done on XX/XX/2019 an action for refinance from BofA and was inform I do not have a mortgage account account all. I asked so many times about 10x why the loan no was stating it is invalid bot I did not get an answer. 

They had lied, deceive and covering up the mishap.
Consumer complaint received 2018-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (UT)

My mortgage was held by XXXX from XX/XX/XXXX until earlier this year when it was sold to Freedom Mortgage ( hereafter referred to as FM ). At the time of this transition, I received correspondence from FM confirming payments would continue through the equity accelerator program ( see attached correspondence ). I also called FM to be sure my payments have been received from XXXX. 

Within two months of FM taking over my mortgage, I began receiving letters from FM declaring I was delinquent on my account. I called FM and was told FM had received all of the payments from XXXX and there was no problem ; however, I continued to receive letters declaring I was delinquent on my account - AND YET WITHDRAWLS WERE BEING MADE AS THEY ALWAYS HAVE BEEN ( see attached statement from my Bank ). 
NOW, Im receiving letters from FM threatening foreclosure and my excellent FICO Score has been negatively impacted! 
I was finally able to reach XXXX XXXX and have ordered them to stop withdrawing payments from my bank account. Beginning with my XX/XX/XXXX payment, I will send my mortgage payments directly to FM. 
I have called FM repeatedly to rectify this situation to no avail and am now contacting the XXXX and credit reporting agencies.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Upon reviewing my credit file, incorrect items were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reported on my Credit Reports : 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 2023-01-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (HI)

I received a phone call XX/XX/16, XXXXXXXX XXXX from someone stating to be a XXXX XXXX XXXX courier service ( XXXX ) XXXX. The gentleman stated that I needed to designate a time to be served and that this was the final attempt before the courts would take action. I arranged for delivery before XXXX that afternoon. He game me the number for the debt collector, XXXX XXXX, ( XXXX ) XXXX, whom I called XX/XX/16, XXXXXXXX XXXX. He never followed up. 

XXXX XXXX stated that I had a Chase Bank debt in excess of {$8000.00} that the court would pursue in full once I was served. He further stated that the settlement amount of {$4000.00} could still be negotiated if he contacted the attorneys handling the Chase bank debt. He put me on hold for several minutes and told me that the attorney had agreed to the payoff amount of {$4000.00} over the phone, however, once I was served I would have to pay in full. 

When I stated that I had filed a complaint with the CFPB years before he claimed that there have been legal changes which now allowed debt collectors up to 10-years to pursue debts. He assured me that XXXX XXXX XXXX would aggressively pursue this debt. I ended the call. 

I have had no further contact with anyone regarding this complaint. 

Thank-you for your help in pursuing this matter.
Consumer complaint received 2022-11-08
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. (FL)

These companies are reporting my information without my consent. I sent them notice that I am aware I'm of the fraudulent reporting. According to my federal laws 15 U.S. Code 1681b - Permissible purposes of consumer reports they need my permission to report my information and I haven't given them my permission
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (PA)

XX/XX/XXXX I was sent a fraudulent card in the mail by JP Morgan Chase. I called them immediately about the card and it was said to have been marked fraudulent and I was able to place a fraud alert on my credit. I had another incident where someone tried to apply for a card under my name and when I went to file for a police report and called Chase to get information about the fraud card, it was never marked fraudulent so that I could get the hard inquiry off of my credit report. I now have a credit freeze on my credit because of both incidents ( other incident occurred with XXXX XXXX card on XX/XX/XXXX. An application was opened under my name and XXXX  called me about the fraudulent application for their XXXX card. This was marked fraud and has been sent to the state police for a police report )
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (FL)

Rent Recovery Solutions has wrongfully sent a debt of {XXXX} to each credit bureau on XX/XX/XXXX. I have already paid this debt in XX/XX/XXXX and asked for proof of debt in writing, as well as sent four different types of proof that this debt has been paid. XXXX  XXXX  XXXX, the company who sent me to the debt collector has refused to contact Rent Recovery to amend the debt. XXXX  has sent us a ledger with proof stating this debt has been paid. 

Proof was never given to me by the debt collector. The wrongful debt has been reported to the credit agencies : XXXX, XXXX and XXXX. We have called Rent Recovery Solutions and asked why our debt was sent to the credit agency even though he had paid this debt and we were told a supervisor would call us back. We have not received a call back. According to XXXX reviews, this company has a history of sending false debt to credit agencies. 

We are suspecting this company has dishonest business practices. We would like to report Rent Recovery Solutions for sending this debt to the credit agencies when no proof of debt has been provided by them. 

Documents sent to Rent Recovery Solutions have been uploaded.
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NV)

I've been unable to access my Apple Credit as Goldman Sachs / Apple is unable to input a new e-mail address for me to gain access to the card. The representatives have informed me that I have to close down the credit card and start a new one in order to access my credit card. This of course would hurt my credit rating and seems extremely convoluted for a consumer to have access to my account. I'm unable to review my balances, make payments, or make new charges with my apple card.
Consumer complaint received 2024-03-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (NY)

Before federal student loans started charging interest again, I had requested my first deferment around late XXXX of XXXX because I had no source of income at the moment. MOHELA, the lender, honored my deferment within about 7 days that started in XX/XX/XXXX and ended XX/XX/XXXX. XX/XX/XXXX, 11 days before the first one was supposed to end, I had requested another deferment and set it to go in effect on XX/XX/XXXX. My balance by then was already showing for how much I owe in XX/XX/XXXX. 3-5 days prior I had emailed MOHELA asking for how to temporarily put my repayments on pause, with no response. I had then applied for a second deferment thinking that there was a glitch in the system. Second deferment was applied to on XX/XX/XXXX and requested the deferment date to be XX/XX/XXXX. Still no response on my status from either time as of today XX/XX/XXXX. I do however keep getting emails on when my loans are due but no one is responding to any emails. I have been frustrated with MOHELA and their lack planning on their end. They want me to make payments without even having enough money to do so at the moment because of my cost of living. I would rather have my loans transferred over elsewhere at this point than to deal with a company who is ignoring their borrowers/co-borrowers
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

I have a Bankruptcy on my Experian report previously disputed. I've contacted the XXXX XXXX Colorado in which provided me with information stating they have never shared information or put a bankrutcy on my report. XXXX XXXX reports as the Banruptcy court which is an inaccuracy and a violation Please remove this item as it is not mine. Thanks
Consumer complaint received 2022-11-09
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. (IN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-04-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (NM)

My grandma was sick and I needed money for the bills so I took out a title loan for XXXX $ ( @ 175 % APR ) in XXXX of XXXX now. on XX/XX/XXXX my grandma passed away and I'm left with all the bills, I'm a XXXX XXXX XXXX XXXX that was hit hard by COVID and I explained this to the title loan company but they towed my car when I was visiting my friends apartment after 2 missed payments that is XXXX total but when I called them they are trying to charge me XXXX to get it back and that's not paying the tow fees and if the car gets sent to auction they said there will be more fees. I got a letter in the mail saying my car would be sent to auction after XXXX but when I called them to retrieve my belongings on XXXX they said my car was sent to auction already..
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently, I noticed that I am starting to receive collection mails from banks. I called and asked what is going on, and I was told that there are several accounts opened last year with my information. I told them that I have never submitted any types of application to their companies. They asked my address, email address, phone number, social security number, date of birth, and name. Surprisingly, Some of cards mailed to my business addresses, and some of them were mailed to my home in the state of XXXX. However, I never received those cards before. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I couldn't check my mailbox everyday. Maybe someone got access to my mailbox and took the card after they applied for it. But that does not mean that I am responsible for these cards ' payments and outstanding balances. I already informed what is happening, and I also submitted FTC report to XXXX, XXXX, and Transunion. It has been about few months now, but I see no changes in my credit report. As a business owner, I was planning to expand my business in other state this year, but with current status of my credit report -- full of credit cards that I have never applied for -- I can't even get any commercial loan. I am not sure what my credit bureaus are doing, but although I submitted all documents they requested ( copy of my driver 's license, social security card, utility bill, and FTC report ), I see no efforts of my credit bureaus. Everything remains same, no updates, nothing. My most recent dispute case closed with the result of " these are correct information '' did not explain anything. I don't know what kind of document or verification document they received from credit card companies, but I never got a chance to look at it. I asked if they can send me a copy of what they have, but they rejected my request and said : unfortunately we can not provide you any documents from creditors due to privacy information. Well, they started dispute case because they were able to verify that I am the one who submitted these disputes. Then how come they can not provide me any proof for privacy issue? Representatives said that they sent out a mail explaining everything, but the result letter did not explain anything. I just saw a letter saying their investigation concluded as " they are all correct information. '' BUT HOW DO THEY EXPECT ME TO AGREE WITH INVESTIGATION RESULT WITHOUT ANY PROOF? I don't even know how identity thief obtained my information, what kind of information was submitted. I can't understand or agree with their process of investigation. As a result, they made me come to you ( CFPB ) and to ask for help with my current status. I never applied for any credit cards with these companies.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by the company XXXX ( the XXXX ). The total amount of XXXX USD was transferred from my wallet utilizing their services.
Consumer complaint received 2022-11-09
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$7200.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-09
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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