davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The homeowner is requesting assistance from the mortgage company - Bank of America. The homeowner fell behind due to a loss of income when she lost her job. She struggled to keep up the payments but became delinquent. She tried to get assistance from Bank of America, but was unsuccessful. Her income has now improved and she desperately wants to keep her home. She contacted a HUD approved housing counseling agency for assistance. The agency reviewed her finances, the Request for Modification Assistance ( RMA ) application and other supporting documentation before sending the package to BOA. The homeowner was denied a modification and the reason given was " we service your loan on behalf of an investor that has not given us the contractual authority to modify your loan. '' The investor XXXX. In trying to reach XXXX, she was told they do not instruct lenders on modifications and the decision is completely up to the lender. An appeal was made to BOA and another RMA application was submitted. However, the response has been the same.
Consumer complaint received 2022-09-27
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  U XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX -BK OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX NEGATIVE XXXX : XXXX XXXX -XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Under the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
XXXX Account # XXXX, Has Violated my rights. 
US DEPT. OF EDUCATION/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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

I asked for a modification on my mortgage and they refused. they submitting for a sale of my hoouse. I do not want to be homeless. I am XXXX yrs old. if they make this modification i can try to pay on time now that I am back to work.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I HAVE BEEN TRYING TO FIX MY CREDIT WITH THE CREDIT BUREAUS FOR 4 MONTHS, I HAVE SENT DISPUTES TO EACH OF THEM TO UPDATE, CORRECT OR DELETE THE ACCOUNTS THAT ARE BEING INCORRECTLY REPORTED AND I HAVE NEVER RECEIVED ANY RESPONSE FROM THEM.
Consumer complaint received 2018-09-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Weltman, Weinberg & Reis Co., L.P.A. (IN)

In XX/XX/XXXX I sent a request for validation of debt to weltman, weinberg, and reis. XX/XX/XXXX I received a packet with a letter and copies of some payments. The letter says XXXX XXXX XXXX sold my loan to regents bank and then to XXXX XXXX XXXX. I see nowhere as to why weltman, weinberg, and reis afe attempting to collect this debt. I never received a notice my loan has been sold  not just once but twice. There is no documentation that shows when the loan was sold nor documentation as to the current collector is legally allowed to accept my payments and apply them to my account. Weltman, weinberg, and reis did not provide complete and accurate information on any of the requested  information. College student loan, regents bank nor XXXX XXXX  has ever notified me of any changes of any kind. No documentation shows my signature. This loan shows a disbursement date of XX/XX/XXXX.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I started the car loan in XXXX, the car was XXXX in XXXX after making payments, XXXX realized it was mistake and released the car immediately with no additional fees, the next month I saw a fee for XXXX dollars when I questioned it they told me they have the right to charge since the car was picked up, I was not late and made payments see attached. 
In XXXX, the car was list as destroyed by natural disaster, at the time the car was total out but XXXX could not confirm the information requested by the insurance company, so the claim was never granted. XXXX closed the matter even though I was still making payments. They conveniently came back in XXXX and open the account. In XX/XX/XXXX, XXXX came an repo the car, I was making payments. 
XXXX is a fraud, they do not honor their payment extensions, they do not post payments correctly and they are inaccurately reporting this account to all three credit bureaus. They have this account listed as repo in XX/XX/XXXX, and that they have no information on me paying in XXXX. They are hurting my credit and me obtaining a new vehicle because of this inaccurate information. They say I still owe XXXX after paying from XXXX XXXX, my loan was up in XXXX. So how did my credit report get updated to reflect a repo in XX/XX/XXXX.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2022-09-27
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX -BK OF XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion -XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX NEGATIVE XXXX : XXXX XXXX -XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

Please refer to complaint # complaint # XXXX and complaint # XXXX for the whole history! 
The loan service company BSI Financial Services has an extra charge even after the date they canceled the escrow account!!! Why did you close complaint # XXXX again without confirming with the customer?! 
The BSI company approved the escrow account on XX/XX/2021, after I filed the first complaint # XXXX. And I have immediately asked them to remove the escrow account and refund me. And they promised to do so!! 
But they cheated again, then I have to file another complaint # XXXX!! Now they have an extra charge of escrow amount of XXXX. Please let them refund the extra charge immediately, AND make compensation due to the late refund and extra charge!!! 
BSI, DON'T DO EVIL ANYMORE!! The whole process is a nightmare for almost one year. I was hurt deeply psychologically. Do something right!!
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE BEEN TRYING TO FIX MY CREDIT WITH THE CREDIT BUREAUS FOR 4 MONTHS, I HAVE SENT DISPUTES TO EACH OF THEM TO UPDATE, CORRECT OR DELETE THE ACCOUNTS THAT ARE BEING INCORRECTLY REPORTED AND I HAVE NEVER RECEIVED ANY RESPONSE FROM THEM.
Consumer complaint received 2017-11-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

This is regarding Ocwen mortgage company. My father passed away and willed his home to me. I filled out a loan modification form and submitted documents to Ocwen. That was XXXX XXXX. Some months passed I never heard back from Ocwen, so I called them only to find out that the loan modification papers were never processed due to the fact that I had to fill out forms for an assumption for the mortgage first. I was never informed until I called and initiated communication with Ocwen. I can not get an answer to any of my questions. Ocwen dropped the ball now they are covering up this mess by trying to foreclose on my home which is under water. Plus I sent them XXXX XXXX XXXX XXXX a good faith payment of {$5000.00} when I was in debt to them for {$8000.00}. Instead of applying the payment to my account, they had the nerve to send it back to me because it was not the full amount. So basically my debt would have been {$3000.00}. This company created this mess, will not correct the problems and could care less!
Consumer complaint received 2021-12-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (IL)

My mortgage servicer " The Money Source '' processed a Covid-19 partial claim on my mortgage back in XXXX with my first payment after being due in XXXX As part of that partial claim, they were supposed to include my past due arrears along with any tax or escrow payments that had been made. This is per HUD guidelines for FHA backed mortgages for people who had issues over the past 18 months or so. 

However, they did not include a tax payment of approx $ XXXX that should've been made back in XXXX of this year. Instead they rolled that over and are now charging me an additional $ XXXX in escrow and had originally asked that it be paid back in 12 months. Due to that additional tax payment being included, my mortgage when from approx {$1800.00} per month to {$3600.00} a month. 

My mortgage was in a Covid-19 forbearance when The Money Source purchased it from my old servicer. In XXXX, I requested a Covid-19 partial claim adjustment so I could start to resume making monthly payments. In XXXX, my monthly payment amount was correct but it skyrocketed in XXXX after The Money Source rolled in the additional tax payment. 

When I called them and tried to get this addressed, they then tried to extend the time period to pay the $ XXXX to 24 months. That still increased my mortgage by over {$1000.00} a month because of the other changes to escrow as well. I have tried to get this resolved numerous times with no solution. Several times I've spoken with them, the reason it wasn't included in the partial claim has changed. 

At this point my mortgage is behind because they won't resolve the issue and follow the HUD guidelines that were laid out. I'd like assistance in getting this resolved so that my mortgage is more affordable.
Consumer complaint received 2019-06-17
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: I.C. System, Inc. (MA)

This company claims that I have a balance of {$310.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to XXXX  asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report saying that the account was validated without providing me with an original contract bearing my signature. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On my credit report it shows ( XXXX XXXX ) as the original creditor but I never had an account or a contract with them. I want to see the contract with my signature on it that says that I agreed to pay this company.
Consumer complaint received 2017-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

In XXXX, I had wireless phone service from XXXX. I had home phone and Internet service from XXXX as well. XXXX itself was divided into two separate entities. So, in order to pay my wireless bill, I would have to go to a XXXX wireless store. The wireless store would have no record of my wireless service and told me to contact the other XXXX entity that provided the home phone service and Internet, they would again re-direct me to contact the wireless store to settle the debt. I tried to settle this debt at, at least, two XXXX stores, and told once again, they have no records on file for this debt.
Consumer complaint received 2017-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Altisource Portfolio Solutions, S.à r.l. (IN)

XXXX XXXX, XXXX VIOLATED THE STATE DO N'T CALL REGISTRY TWICE, 3 STATE CONSUMER LAW 'S AND DECEPTIVE COLLECTION PRACTICE.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (CA)

I don't need them to know about my issue. I've tried to tell them numerous times. They don't care. This involves a fraudulent charge. Potentially internally to Cash App kinda fraud. 
I guess I'll tell it 1 more time. 
There was a fraudulent gas station transaction on XX/XX/2023. 102 days ago. I was told it was an authorization hold and XXXX canceled it, returned my {$4.00} ( that did actually happen ) but they completely ignored the fact that a pending charge holds the amount in question from your available balance. So I technically still have it but I don't see it and can't spend it. 
All of my attempts to resolve this we're ignored as if I'm a silly ignorant person. I have sent screenshots. Chatted with " support '' over 40 times. Called the XXXX # and everyone there seems to blow it off and won't even confirm they see the same on their end. Its extremely frustrating to have to go to such extremes for such a petty amount. I wonder how many others are experiencing this and not reporting it. 
Oh their policy states that the maximum time a transaction should be pending is 10 days. Again... it's been 102 days today. Please help resolve this fairly. Thank you!
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by XXXX XXXX account XXXX in the XXXX of Florida and XXXX. Under the laws of the State of ( State where the car was repossessed ) UCC ( Your states UCC code, you will need to look this up ) and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and XXXX Article 9 remedies.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Type : Chapter XXXX Bankruptcy Status : D ischarged Date Filed/Reported : XX/XX/2011 Reference No. : XXXX Court : Us bkpt ct fl XXXX  XXXX Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed.
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: Credit Plus Inc (OH)

I have been trying to dispute two inquiries on my account. The first inquiry is by Credit Plus/XXXX  XXXX XXXX XXXX  on XX/XX/XXXX. The second one was made on XX/XX/XXXX, and it says only Credit Plus on the inquiry. These were made without my consent or knowledge. The company XXXX XXXX XXXX XXXX was contacted about my disputes, and they used text messages between me and the loan officer, XXXX XXXX as evidence that I consented to the credit pulls. I received a letter from Credit Plus on XX/XX/XXXX, stating my dispute was denied because of the text message evidence. This information is false because the last day I talked to him was XX/XX/XXXX. He messaged me several times throughout the year, and I didn't text back. My credit was pulled twice, and I did not talk to anyone from a mortgage company, nor did I go to a different mortgage company for a year and seven months. The only date I messaged XXXX back was XX/XX/XXXX. I have been wanting to work on my credit, but I haven't worried too much about it the last two years, this is why I didn't catch the inquiries right away. I made sure to text message XXXX XXXX from XXXX XXXX  XXXX on XXXX XXXX and said, " Do not pull my credit ever again. '' I also said, " The only credit pull I agreed to was on XXXX XXXX. '' XXXX XXXX agreed and said, " Yea that was the only time. We noticed you were getting back into things, what were you looking to get done? '' I told him I was not interested, and he continues on about how he has no idea what I am talking about. There was a mistake made somewhere both by XXXX and Credit Plus. They are refusing to acknowledge or look at my evidence. The dates of the text messages were overlooked and ignored. I have researched this company and they have done this to many people, and they act like it's a mistake if they do acknowledge they illegally pulled your credit report.
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: Experian Information Solutions Inc. (OH)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.