davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

On XXXX/XXXX/XXXX I entered into a loan modification with my mortgage company ; XXXX XXXX XXXX XXXX. ( Please see attached loan modification agreement from XXXX XXXX XXXX XXXX ). Since entering in this loan modification agreement I have been paying my mortgage on time every month to the present date. My current interest rate is very high compared to today 's interest rates. Prior to entering into a loan modification with XXXX XXXX XXXX I my mortgage at that time was an FHA 30 Year Fixed Mortgage ( Please see attached Mortgage Note ). I believe in XXXX my mortgage was sold to Bayview Mortgage Servicing ( Please see attached mortgage escrow statement for customer service tel number and other important information ). In XXXX XXXX I was contacted by XXXX XXXX a loan Officer with XXXX XXXX XXXX XXXXXXXX XXXX, in regards to refinancing my current mortgage which would reduce my current interest rate of 6.5 % to 4.5 % thus saving me thousands of dollars in interest. Durring My refinance my loan officer XXXX XXXX informed me that my current FHA mortgage was switched Illegally to a Conventional Mortgage by either XXXX XXXX XXXX or Bayview loan servicing. I contacted XXXX XXXX servicing and Bayview loan servicing several times to find out who Illegally switched my mortgage from an FHA mortgage to a Conventional mortgage, and neither XXXX loan servicing or Bayview loan servicing will give me any answers. They continue to tell me that they will look into the matter and get back to me a cdouple days later. It has been months now, and I have still yet to receive an answer from either mortgage company. These mortgage companies are stopping me from refinancing my FHA mortgage so I can save money and that is ILLEGAL! If this matter is not resolved as soon as possible my next action is to seek legal council and take the appropriate legal action to settle this matter..
Consumer complaint received 2021-12-14
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. (IL)

Validate it or prove it. The bankruptcy court doesn't disclose information with the Bureaus and these bankruptcies don't show in XXXX system. I included a letter from the bankruptcy court saying they don't disclose information with the Bureaus and I also included documentation from XXXX saying these Bankruptcies aren't reporting in their system.
Consumer complaint received 2017-11-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I applied for a modification XXXX XXXX. I had a NSF which terminated the modification in XXXX XXXX. I attempted to pay a mortgage payment, the payment was denied. I was informed by the mortgage co, I needed to pay the pass due amounts. When I questioned where was the monies I paid during the time I was in the modification, I never received a clear understanding of what the monies were applied to. I was advised that I could apply for another modification, only to find out that, that modification was denied also, reasoning was you can only apply for a modification once every 2 years. I applied for my 401k to payment my mortgage payments. The first request was denied from my 401k, because I needed to request a form from the mortgage company which I did. The 401k request took time and the mortgage co was made aware of my every attempt to pay my debt. Now I have the money to pay to debt from the letter the mortgage co sent me, the debt is outstanding now, because more fees have accrued. I feel discriminated against.
Consumer complaint received 2022-05-25
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: AMERICAN HONDA FINANCE CORP (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2017-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint is in reference to a personal checking account that was opened during the year of XXXX. The account is currently closed. 

Approximately around early XX/XX/XXXX, I made an in person inquiry to a branch in XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) to request a document that indicated a series of Cashier 's Checks were purchased and paid via my personal checking account. The payee was ( XXXX XXXX ) I spoke to a banker in the customer service area and explained how critical and important it was to receive the retrieval of these Cashier 's Checks since my mother is a plaintiff for a lawsuit related to an illegal foreclosure. I explained the narrative of the case and advised there is a scheduled court trial in early XX/XX/XXXX.I left copies of all the Cashier 's Checks and they assured me I will receive this information by mail. I have not received anything by mail or a call from the branch thereafter. I called customer service and walked into the branch, yet they did n't have any information since this was forwarded to a different department within the bank..The defendant in the case is claiming these checks were never received nor paid to. It is imperative I receive these documents to present to court in a few weeks. Up to now, I have had a very challenging experience in retrieving them from Bank Of America. I have attached all copies of these Cashier 's Checks for your review.
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX has violated my rights . 

15 USC 1681 SECTION 602 states I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (CA)

in accordance with the Fair Credit Reporting act XXXX Account listed below, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX acct # 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
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

On XX/XX/XXXX we became aware that we were paying for two homeowners policies for our property located at XXXX XXXX XXXX XXXX. XXXX CA XXXX. Our broker failed to cancel a policy with XXXX when we switched carriers to XXXX XXXX XXXX. On XX/XX/XXXX the XXXX policy was terminated and the broker notified our lender at the time which was XXXX. At the same time this was happening, XXXX sold our mortgage to PHH Mortgage Services. We contacted them immediately but they said they needed time to get our loan loaded into their system so we contacted them again in XXXX. At that time we were assured that they would perform an audit immediately on our loan and make sure we were only paying a single carrier, reduce our loan payment to only include the XXXX XXXX payment and then refund us the amount we had overpaid for the past year. That never happened so we called again and got the same assurances. Now it is XXXX and we called again and spoke to four different agents named XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and XXXX. None of these people could address our concerns and while XXXX said they would audit our account, they could not refund us what was owed without a new process being started in another department. We've spent hours on this now and still are paying for two insurance policies when only one is covering the property. Nobody at PHH Mortgage was able to help and we want our overpayment refunded to us now.
Consumer complaint received 2017-11-08
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: EQUIFAX, INC. (NC)

Summary : XXXX XXXX XXXX XXXX XXXX XXXX ran a hard credit inquiry against my account without my authorization and after I explicitly informed them that I do NOT consent to a credit check. 

Details : While shopping for home internet service in  XX/XX/XXXX, I was considering XXXX XXXX XXXX. Presumably because I configured an order on their website, but not did not conclude the transaction, XXXX XXXX XXXX ran a credit check. 
I later concluded my research and placed an order with XXXX XXXX XXXX on XX/XX/XXXX. I placed the order via telephone. I avoided the website as I wanted to explicitly inform XXXX XXXX XXXX that I would only place the order if they agreed not to run another credit inquiry. The representative agreed to that. She informed me that instead of asking for my social security number, a driver 's license number would suffice. I again asked if the drivers license number would be used to run a credit inquiry. She replied in the negative. The order was placed and I have now seen that XXXX XXXX XXXX did, in fact, run a credit inquiry through Equifax. I believe XXXX XXXX XXXX used information they collected previously, or through information contained in my account as an XXXX XXXX XXXX XXXX customer to access my credit report ( s ) without my consent. 
The relief I am seeking is that those inquiries ( both XX/XX/XXXX and XX/XX/XXXX ) be removed from my Equifax file. 
I did call XXXX XXXX XXXX but was routed from one department to another, with representatives telling me each time that " the system '' just runs the credit checks and they have no control over it. 
I realize this may seem like a trivial matter. However, we have worked hard to earn and protect our credit scores. XXXX XXXX XXXX 's actions have made a material impact on my current score and, moreover, their blatant disregard for a consumer 's stated directives should not stand. 
Thank you for your help.
Consumer complaint received 2023-03-10
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)

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. 

XXXX : # XXXX, XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX 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 2021-12-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NC)

We have been attempting to come out of forebearance and to get our loan modification closed for more than 9 months. We have been ready for this long if not longer to start making payments but have repeated told not to until the modification process has been completed. It's been approved 3x and after filing my first complaint we got a response from them and the same day they responded to the complaint the modification documents were sent out. Now that they FINALLY sent out loan modification documents to us we returned those to them immediately. They were confirmed delivered to Freedom Mortgage on XX/XX/XXXX and signed for. Since they received the documents back I have received SEVEN separate phone calls asking if we have received and return these documents. The most recent call was on XXXX XX/XX/XXXX and I again explained all of this to them. This rep put me on told for XXXX minutes while she " researched '' our account. She came back to the line and said confirmed that they documents were received as I stated on XX/XX/XXXX and that she located the individual that signed for the documents. She guaranteed me that they will be imaged into our account, reviewed and recorded with the county Register of Deeds. However... still no updates and the documents have not been recorded. We are exhausted by this process and beyond frustrated.
Consumer complaint received 2024-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$510.00}. 
I am a victim of identity theft and I never opened this account. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXXXXXX XXXX XXXX XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry.
Consumer complaint received 2023-02-06
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. (TN)

In accordance with the FCRA, accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. The credit bureaus stated that my accounts was properly investigated but how is that possible if the open dates are inaccurate, the last date are inaccurate, an account that was file on bankruptcy has inaccurate dates, the balances are wrong and etc. This is grounds for removal from my credit reports. 15U.S.C. 1681 SECTION 602A states I have the right to privacy. 15U.S.C. 1681 SECTION 604A It also states a consumer reporting agency can not furnish an account with out my written instructions. 15U.S.C. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2017-11-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (SC)

On XX/XX/XXXX, a final decree of divorce was filed to finalize the divorce between my ex-spouse and I. On page 8 of this decree, it states I, the defendant, be held harmless of financial obligation of the XXXX XXXX. I cosigned an automobile loan for the XXXX XXXX on XX/XX/XXXX through Ally Financial for my ex-spouse. 

The financial obligation for the XXXX XXXX was neglected by my ex-spouse and was eventually repossessed from him. After repossession, Ally Financial determined a {$6500.00} balance remaining to be paid. 

I have spoken with Ally Financial on multiple occasions since the start of my ex-spouse neglecting loan responsibilities. I have also submitted documentation including a copy of my original decree of divorce to Ally Financial and the credit bureaus without any resolution. I have requested the repossession be removed from my credit report as well as the remaining balance of {$6500.00}, which is currently showing a charge-off balance of {$6500.00} on my credit report. With my most recent communication with Ally Financial, I was advised that the {$6500.00} remaining balance is still my responsibility and they will continue to act as so even with my diligence in updating my ex-spouse 's information for resolve, as this loan is no longer my financial responsibility. 

I have given up on communicating with Ally Financial, after being denied multiple times in my request ( s ) to stop mail, phone calls, continued attempt to collect a debt, etc. from coming to me. I have consistently and diligently called with updated information in my ex-spouse 's whereabouts in an attempt to point them in the right direction for any reconciliation in regards to this delinquent automobile loan. I have now filed two disputes with the credit bureaus since the initial repossession of the XXXX XXXX, also without any resolve. 

I have attached a copy of my decree of divorce as well as the most recent copy of my credit report obtained through XXXX on XX/XX/XXXX and the Investigation Results Summary letter from XXXX advising me that Ally Financial has verified and updated my account and they were unable to resolve the dispute regarding the XXXX XXXX auto loan. I have attempted to locate copies of letters that I have received from Ally Financial to collect in this debt, however, I was unsuccessful. I did not keep any copies for my records and I was unable to generate copies from their online portal. 

Please review my complaints and documents and let me know if there is any other information I can provide in assisting with resolving this ongoing adverse account dispute. If there is not anything that you can do, I would greatly appreciate any feedback that you may have in resolving this dispute. Any other ideas, avenues, or tips would be appreciated and welcomed! 

Thank you in advance for your time and diligence in this matter.
Consumer complaint received 2017-11-08
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: FIRST NATIONAL BANK OF OMAHA (NC)

I have XXXX ( XXXX ) inquiries on my credit file from this bank, dated XX/XX/XXXX & XX/XX/XXXX. I have not applied for credit with this bank, and have requested documentation on two occasions supporting their permissible purpose in accessing my files. I have received nothing but a brief letter stating that they had no documentation, as the applications were submitted on-line. My second request garnered no response at all. Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ], this access can only be obtained " In accordance with the  written instructions of the consumer to whom it relates. '' As they have no such written instructions, accordingly, these inquiries must be removed from my credit file immediately.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dating back to XXXX XXXX after receiving a copy of my consumer credit report at my request after being denied credit by a creditor, I was in complete shock as to how much inaccurate information and the number of discrepancies being reporting between all 3 of the major Credit Bureaus ( Transunion, XXXX, XXXX ) within my consumer report. Since then I have mailed in a total of XXXX dispute letters to all three bureaus ( Transunion, XXXX, XXXX ) to resolve this matter as it is damaging my character in regards to my financial situation and ability to repay creditors. I have mailed letters both certified and standard postal on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the last being XX/XX/XXXX in regards to solving this matter, however the problem still persist and is ruining my financial reputation. As some unverifiable and inaccurate information have been removed/corrected there are still a number of accounts that have not been verified, updated or deleted by request that is still reporting false and damaging information. The remaining accounts that continues to report false information is ; XXXX XXXX, XXXX XXXX, The Bureaus, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The following accounts within each bureau contains discrepancies in regards to the past due balance, rightful owner of the account, payment dates and history, date last active as well as the last payment date. According to the FCRA 15 U.S.C it is the responsibility of the Credit Bureaus to report fair and accurate information within each consumer profile in which they have not done in this particular case. I do understand my rights as a consumer which is why I felt the need to file a complaint with the CFPB as I am not getting anywhere with the reporting agencies and the inaccurate reporting is defamation of character.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.