davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-30
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

After discovering several TILA ( Truth in Lending Act ) violations concerning the loan transaction, being unable to obtain a certified true and accurate original promissory note from the alleged owner of the loan, in addition to a fraudulent assignment filed with the county clerk : in XXXX XXXX, XXXX I exercised my right of rescission pursuant to TILA 15 USC 1635, Regulation Z 226.23. Under federal law the security deed has been extinguished and interested parties ' rights under the security deed have been terminated. Any security interest or other interest held by XXXX XXXX and/or XXXX, XXXX and/or XXXX XXXX XXXX, XXXX. and/or The BANK OF NEW YORK MELLON as Trustee For the Certificateholders XXXX , XXXX, XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates Series XXXX and/or other known and unknown entity is VOID upon my rescission. See 15 U.S.C. 1635 ; 15 U.S.C. 1611 ; Regulation Z 226.23. These parties mentioned have NO interest or successor-interest in my property as those claims were waived by non-response and failure to file a complaint within 20 days. The parties also failed to return the original note marked cancelled and cancel the security deed and recorded in XXXX County, GA and return all consideration paid by me within 20 days of receipt of my letter 15 U.S.C 1640 ( a ). 
As of XXXX XXXX, XXXX THE BANK OF NEW YORK MELLON retained XXXX XXXX, XXXX of GA to act as agent to foreclose on my property with the sale scheduled on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I sent a certified letter to the law firm and BoNY MELLON to cease and desist any collection attempt, including but not limited to any attempt to foreclose on my property. Any attempt to collect under the non-existent deed of trust and mortgage is a violation of federal law. All instruments with my name have been properly RESCINDED and are VOID. As of XXXX XXXX, XXXX, the foreclosure sale HAS NOT BEEN CANCELED. BoNY MELLON is acting as debt collector in violation of the FAIR DEBT COLLECTION PROCEDURE ACT 1692 ( g ) Section809. On XXXX XXXX, XXXX via email, BoNY MELLON stated that they have no right to make a claim or successor-interest in my property. Again cease and desist! 
A report was filed regarding this RESIDENTIAL MORTGAGE FRAUD pursuant to OCGA 16-8-102, 16-8-104 and 16-8-105 to local law enforcement and elected officials as well.
Consumer complaint received 2021-03-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (IL)

This company started reporting this debt to my credit report without any prior communications. I was not given a chance to dispute the validity of the debt which is a violation of the FDCPA. They are also attempting to collect a debt for the wrong amount. This account was paid and closed with another creditor not them. The inaccurate reporting has led to adverse actions being taken against me. I was denied credit due to this company negligent and willful non-complaint reporting. Thats deceptive and misleading.
Consumer complaint received 2021-03-22
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. (NC)

I have previously filed a complaint with FTC # XXXX. ( Please include that detailed report in whatever communication you share with companies ) Never received a response and the condition has become worse. Revolves around XXXX XXXX XXXX XXXX ; my calls them failed to correct. Has spread to credit reporting agencies ; initially Experian, now others. 
XXXX leased vehicles to me and another individual who share similar first and surname ( XXXX ... ... .Jr. ) and nearly identical SS #. XXXX has comingled this info and has exposed the personal info of other individual on my account and credit reports. It appears as an " alias '' on credit reports. 
The other individual contacted me ( likely got my phone # ) from his XXXX account and advised that he was receiving XXXX mail address to me. I was receiving invoices by mail and my online account contained his name. 
I finally gave up and returned my lease early hoping to correct this issue. Now his lease is listed on my credit reports along with a credit card where he is an additional signatory. 
What is wrong with these financial institutions and services? Covid is no excuse for incompetence. 
Attached is a copy of my XXXX account page taken XXXX
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/2020 my check was stolen for the amount of XXXX and cashed at Navy federal credit union in XXXX VA. It was made out to my Dental office XXXX XXXX XXXX but the check was double endorsed and cashed by someone named XXXX XXXX the money was withdrawn from my account on the XX/XX/XXXX I was made aware my dentist never received the check. I filed incident report with police department and filled out Forgery Affidavits with both my bank and Navy FCU, summited copies of my signature and XXXX  XXXX why havent my money been returned back to my account as yet?
Consumer complaint received 2021-03-22
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. (AZ)

This account was paid in full, and it is still showing a balance. I need this updated ASAP and an updated credit report should be sent to me reflecting this. I have included the confirmation number. Thank you.
Consumer complaint received 2021-03-22
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

After being approved for. CapitalOne XXXX XXXX XXXX, I was assured back on the application method I would be able to obtain a virtual/digital card for immediate use. I would not have gone to the store if I was unaware that the virtual card would fail to work as promised.
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

PayPal is holding all my money from my my account after selling something on XXXX for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-03-22
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. (NY)

I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THESE ACCOUNT TO MY CONSUMER REPORT. I HAVE WRITTEN THESE AGENCIES 3 TIMES AND THEY HAVEN'T FIXED MY REPORT. 

XXXX XXXX, EQUIFAX ARE BREAKING THE LAW UNDER 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

Hello I have been contacting Coinbase day after day week after week and month after month trying to get my money that they froze for no reason and didnt give me a reason, my money has been in a XXXX and I have literally lost thousands upon thousands of dollars these last 2 months because of this company and they dont reply to my emails anymore, they dont help me and this has caused emotional distress and I cant handle this anymore.
Consumer complaint received 2021-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Back in XXXX XXXX XXXX XXXX XXXX XXXX reported that I had filled XXXX XXXX bankruptcy in error to TransUnion credit bureau. After been aware I reach out to TransUnion to submit a dispute as well reach out to comenity back to heave them fix the error they had caused. 30 days after the investigation from TransUnion nothing was resolved, my credit stayed the same with conclusion from them saying the info on my repost was correct. After getting the investigation results from TransUnion I reach out to XXXX XXXX, they kept giving me the run around saying they had already updated the Info TransUnion. I kept disputing the errors with TransUnion over 4 times, till finally in XXXX of XXXX I was able to get a letter from XXXX XXXX explaining the the error and sent it over to TransUnion. The remarks had been removed from my credit and the chapter XXXX bankruptcy was gone. After only a few months the remarks came back showing the bankruptcy again, and again I file a new claim with the letter that was sent to me from XXXX XXXX, results came back with no resolution. At this point I have exhausted everything I feel I can do. This has cause me so many problems when it comes to buying a home, my credit is showing inaccurate information.
Consumer complaint received 2020-03-26
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. (CA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter
Consumer complaint received 2021-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have sent several dispute letters online and through the mail. I started mailing out letters to the credit bureaus and tracking. I have sent several letters but on XX/XX/2021 I requested a re-investigation and I also asked for verification and how they verified the information on my report. Each time they sent me an electronic response about how they verify but it's an automated message and they are all the same. I sent another letter in XX/XX/XXXX and XX/XX/XXXX. They send me an electronic reply shortly after I mail the letters but don't address any of the items that aren't accurate. I have single accounts showing 23+ charge-offs for the same account. How can one account be charged off 25 times? There are several like that. The balances are not accurate. Some items are missing information. They aren't doing a thorough investigation. I have asked them to prove how they verified the information being reported and they just keep sending me computer-generated emails or they say the account is verified or updated. However, the information is still wrong. I have sent letters to the creditors as well. My first letters went out in XXXX and again in XXXX.
Consumer complaint received 2021-03-22
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. (NC)

I have a collection on my Experian credit report that I successfully disputed and had removed from both XXXX XXXX XXXX but Experian has refused to remove it via dispute they claim they contacted the collector and the information was accurate. I put in mu dispute notes for all 3 bureaus that the account in question XXXX XXXX XXXX XXXX XXXX XXXX is top old and meets the criteria of the statue of limitations law held in California where it originated from. Under this law it states how long different types of debt can stay on your credit report. This debt which started from XXXX XXXX XXXX is well over that stated time of 4 years. According to the information given on the credit report the collection was opened on XX/XX/2015.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

- Loan origination in XX/XX/XXXX through XX/XX/XXXX with First Continental Mortgage Company - Principal and Interest payment - {$1600.00}. 
- Filed for loan modification, trial period XX/XX/XXXX through XX/XX/XXXX - principal, interest, taxes, hazard insurance - {$2000.00}. Paid trial payments and was subsequently approved for loan modification with new payment of {$2100.00} with the terms changed from 30 years to 40 years. All property taxes for XXXX paid. 
- XX/XX/XXXX through XX/XX/XXXX - approved loan modification payments at {$2100.00} for principal, interest, property taxes, and hazard insurance. Made timely payments. 
- XX/XX/XXXX - received a letter that property taxes increased, which in fact, property taxes did NOT increase. County and school tax records will show my property taxes at almost XXXX since the house was purchased. First continental mortgage ignored my information and insisted on increase. First continental mortgage increased mortgage payments to {$2700.00} and refunded escrow of {$4400.00}. Inquired about the refund, they stated all property taxes were paid and this was the overage and per law they couldn't keep that amount in the escrow account. Said I could put it back and ask for another escrow analysis to try and reduce payment. Decided to use money to help assist with monthly payments. 
- XX/XX/XXXX - Received a notification from MUD tax department that my property taxes of {$4200.00} were delinquent. Logged into account and see that a total of $ XXXX was paid to property taxes, indicating that all taxes were paid. Reached out to First Continental Mortgage informed them of the delinquent notice, expressed to them that I should not have to be penalized for a mistake they made. They paid the delinquent tax bill from my escrow account as opposed to taking accountability for error and their company absorbing the cost - XX/XX/XXXX - Received an escrow analysis stating my payments starting XX/XX/XXXX would be {$3500.00}. 

It is unethical for a loan company to increase mortgage payments in this manner for someone experiencing and constantly expressing financial hardship. The increases have created challenges and constraints of me meeting other financial obligations and has severely impacted my long history of outstanding credit. 
Going from {$2100.00} to {$3500.00} in a span of two years on one income, XXXX children, and other financial responsibilities does not reflect First Continental Mortgage responding ethically to my financial hardship. The loan modification from 30 to 40 years and paying twice as much from the origination of the loan is more than highway robbery, and should be more than unethical, it should be illegal. With or without the {$4400.00} refund they mistakenly gave me, this is detestable and threatens the ability for me and my children to have a home.
Consumer complaint received 2024-02-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One introduced a new category of savings account with minimal notice and using a product name ( 360 Performance Savings ) very similar to their existing product ( 360 Savings ). Having had my account with them since my previous ING Direct account was purchased by Capital One, I presumed that they would continue to adjust the savings interest rate as ING had done previously as had Capital One. Instead, they only raised interest rates for customers who created a new type of savings account. This deceptive bait-and-switch caused me to lose out on at least several hundreds of dollars of potential interest, and would have also changed my overall investment strategy. I only realized this issue when reading news reports about this in XXXX XXXX.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

American Express keep sending me correspondence to my address and I want this stop for good Number one I never applied for American credit card not interested Im on XXXX someone stolen my identity Number two they are sending me offers in the mail I want it stop or im taking legal actions Number three they are sending me statements for a delta gold skymiles card I want them to stop sending me statements and bills to my address XXXXXXXX XXXX XXXXXXXX XXXX XXXX Texas XXXX
Consumer complaint received 2021-03-22
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. (MS)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX/XXXX XXXX ... XXXX XXXX*that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-22
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)

I sent a letter regarding inaccurate or unknown items on my credit report. To this day over 35 days later I have not received a response yet. these accounts remain on my credit profile unverified and falsely reporting inaccurate information ultimately tarnishing my reputation. I consider this to be harassment and unjust. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items and supply original creditor information within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands,
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

I fell behind on my mortgage about {$14000.00} as a result of being physically XXXX when I was a victim of attack in my home. I filed bankruptcy in 2019 and got behind on my monthly payments agreed in bankruptcy. I had a few retuned payments and now they are only accepting certified checks. I cant make a payment because I am homebound and even have trouble getting to appointments. I am requesting an accommodation for my physical XXXX to be able to make payments online or by phone. 

Also, I want any assistance available to physically XXXX individuals who are facing foreclosure.
Consumer complaint received 2021-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have tried contacting all 3 credit bureaus to drop these inquiries. Transunion is no help even after speaking with a customer service representative. I can not get XXXX or XXXX to take them off either.
Consumer complaint received 2019-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion is reporting incorrectly that I am 30 days past due on XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see pages 14 and 15 of the attached credit report. )  These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-06-02
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. (CA)

I sent a written request via certified mail to EQUIFAX requiring that they remove numerous inquiries from my credit report which are being furnished in violation of federal law to begin with. These inquiries are contributing to an immense amount of stress in my life and prohibiting me from conducting consumer transactions.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I went to school at XXXX XXXX and was attending after XX/XX/08 and did not complete my program, I am eligible for this to be forgiven and I have not received any information from the Department of Education or XXXX, nor have they responded to my inquiries.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I have tried numerous times to get in contact with the company to have my loan updated so that i am fully responsible for paying property taxes on my loan. Considering Myloancare 's history with not paying property taxes and causing their clients to lose their homes i wanted to be proactive. I have found it IMPOSSIBLE to get anyone on the phone, as the offices are either close ( for going on a week straight now ) or send you to an automated phone tree that hangs up on you. I even attempted to call the parent company XXXX to see why the offices where closed and if there was a different contact i could use. The lady called me a liar, saying the office are open and hung up. Considering how many other customers seem to be having the same issue, maybe the government will have a less difficult time. This is insane that they are allowed to continue operating.