davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (MD)

I recently purchased a home through the VA. Everything was going okay with my home loan, and every now and then I was a few days late with my payment ( but I always made my payment and never had an issue ). I recently found out my home loan was sold to Selene finance, without my consent or knowledge. When I purchased my home, I researched who I was obtaining my loan through, and would have never in a million years went with a company such as Selene. Yet somehow I ended up with them, and since being switched to selene, they have reported me to my credit bureau for 5 months straight, literally ruining my credit ( they are the ONLY negative report I have on my credit ). So now I cant refinance to get away from them. They will not return any of my calls, other then the very first time I spoke with them about why they would continually report me to the credit bureau. I dont know what to do when this company continually does things like this which is preventing me from obtaining any other way out and away from them. The fact that this organization services VA loans is even more beyond me.
Consumer complaint received 2017-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CO)

I had some low interest credit cards that I was using for my business but the rates quadrupled overnight and made it so i could no longer afford to make the payments. This rate hike was not something that was ever disclosed to me and it should not be owed.
Consumer complaint received 2022-05-30
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. (OH)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C. 1661 section 602A. States I have the right to privacy 15 U.S.C. 1661 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus look more than 30 days to complete my investigation here my certified tracking number
Consumer complaint received 2022-05-30
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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
Consumer complaint received 2022-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westcreek Financial (FL)

West Creek Financial XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX DEAR SIR/MA'AM I am writing to request several account documents from your company since you have reported a charge off on my Consumer Reports. I am requesting all of the following documents to be sent to me as soon as possible GAAP LEDGER, DOCUMENTARY MATERIALS, BOOKKEEPING ENTRIES and ( ALL OF MY PAYMENT INVESTMENTS INTO THE ACCOUNT ), YOUR ACCOUNTING METHOD ( ACCURAL ) IRS MANDATED FORM 1099-C should be filed by your company since this debt is greater than {$600.00}, PLEASE SEND PROOF. 

Your company is legally obligated to send me a 1099-C as well to file on my personal taxes. I am requesting your company also send the AUTOMATED UNIVERSAL DATAFORM used to communicate with each Consumer Reporting Agency. 

Most importantly please send your copy of the signed contract. Cease all Consumer Reporting AS SOON AS Receipt of this letter until you have completed my full request. If you are unable to send ALL of the following documents for any reason, PLEASE CEASE ALL CREDIT REPORTING. 

What is the name and address of your CEO/COF of your company? 

XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX
Consumer complaint received 2019-04-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

On XX/XX/XXXX I contacted the mortgage company, Pennymac, because they claimed I was in default on my mortgage. I have never missed a payment and pay on time. I explained that their analysis of our escrow account was wrong and we were being overcharged. The woman who answered the phone told me I didnt have a choice how much I paid every month. I told her that their analysis was wrong and what it should be. Furthermore, the money in our escrow account is technically ours! She continued to harp that I was not making a full payment and said we would be referred to collections. I told her that I paid my mortgage on time every month and asked her if I needed to get an attorney because they were not applying my payment. I do not appreciate being threatened with collections and ruining my good credit because of their incompetence. 

A survey came on that I responded to after that woman hung up. After answering that I was not happy, another lady came on the phone. It turns out this company added a TWO month cushion to my escrow account, creating an underage on our account that was then added to our monthly payment! This amounts to over {$1000.00}! {$1000.00} that I am not being paid interest on! The second representative corrected the escrow payment amount and was very nice. 

This is not the first time this company has threatened me with collections because they cant calculate an escrow payment correctly and I am tired of being bullied! I firmly believe this company needs to be investigated for unfair business practices.
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NH)

I can't seem to get a score I had a score a couple different times and then they just disappear and then charges that have been disputed and removed just keep reappearing again and it also States vehicles that I don't even own and it won't allow me to put my name to my actual name and different addresses that I haven't lived at in years or ones that I've never even lived at or on there I have gotten my once a year credit report but it doesn't seem to be reading right
Consumer complaint received 2018-07-20
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. (OH)

I am requesting with this written notice that the following inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX be removed from my credit report. The items are not correct and opened as a result of ID theft and wrong reporting infomation and are causing me financial distress because of their derogatory information. I am, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act of your mistake. If this final request does not prompt you to conduct the removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX Ohio for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Consumer complaint received 2022-01-24
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. (CT)

I contacted Equifax on XX/XX/XXXX about the following accounts ; XXXXXXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$300.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$66.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$85.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$90.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$750.00} ). Equifax has failed to verify these fraudulent accounts on time as they are required by the FCRA.
Consumer complaint received 2017-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am writing in regarding the recent modification proposal we received from Select Portfolio Servicing dated XXXX/XXXX/2017. We find the proposed modification to be predatory based on the following.
We were originally approved for a principal reduction with XXXX XXXX prior to our loan being transfer to SPS under the MHA streamline program.
Our loan was subsequently transferred to a new MBS as a means of not finalizing our government backed modification.
The original loan was entered into by my wife under duress while I was deployed to XXXX with the United States XXXX XXXX.
Due to the recovery period from my injuries and my inability to fully understand and respond to this process effectively we have been exploited in regards to this loan.
The modification paperwork covers up the fact the our principal balance is increasing by {$2500.00} in fees.
The loan is being recast from roughly 220 months to 393 months.
The LTV on the home is roughly 158 % after the modification.
While the modification lowers our current payment in drives us further into debt.
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (SC)

In XX/XX/2020, I entered into an agreement with my apartment management, XXXX, to defer partial rent. I requested to be let out of my lease early multiple times ( 60 days early, 45 days early ) any time that would save me money and avoid being in debt. They continuously refused but set up a seperate payment plan for me to pay over the course of the summer. 

My lease ended on XX/XX/XXXX. Within 1 week of vacating my unit on XX/XX/XXXX, I was turned into IQ Data International, Inc for collections of debt owed in the amount of {$4600.00}. Not only was this a violation of our agreement, but this amount was incorrect. The amount owed was {$2800.00}. I contacted IQ Data and the property management immediately to discuss the charges and get them corrected. 

For almost month, I emailed the property management with little to no response. Finally the property manager acknowledged the mistake and sent a new ledger to IQ Data. This ledger continued to be incorrect. Having to fight for the right amount to be reported to the collections agency basically blew through any grace period that I had. According to IQ Data, I had a 45 day grace period which ended on XX/XX/XXXX, which means that they turned my balance into collections the day after I vacated the property. No final bill was sent my forwarding address. No attempt by management was made to collect debt. It was literally turned into collections the day after my lease ended. I attempted to get the correct amount updated upon receiving my first collections letter. 

I emailed and called both parties to correct the amount. I copied the property manager, the regional manager, the Vice President and the dispute team. None of which replied. On the last day of my grace period, I had to physically show up at my former property manager 's  office and make her correct the mistake as she would not acknowledge any of my electronic communication. This is a pattern from this management company and I know of at least one other tenant in the same position. 

Mind you, we are in the middle of a pandemic. I work in the XXXX XXXX   XXXX XXXX in XXXX, SC which is heavily dependant on tourism. Our business took an epic hit and I am lucky to be employed at all. I am trying diligently to stay on top of finances but with horrible business practices such as XXXX, it is nearly impossible for someone like me to come out on top. This was a very disappointing turn of events in a already troublesome year. 

I paid this property over $ XXXX in an 18 month period. My apartment was well above market value and I was NEVER late until COVID. Even when COVID happened I tried to negotiate to avoid being in this situation that I now find myself.
Consumer complaint received 2017-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am writing about an issue that I faced with bank of America account. Thsi happened on XXXX XXXX, 2017. I was being scamed for XXXX dollars. I met someone on facebook who was interested in renting my apartment. So for an initial advance for {$200.00} dollars i gave them my account number. Next, i heard that she transferred me XXXX instead of XXXX and wanted her money back. I transferred her the money back as i thought that is the most ethical thing to do ( I agree that this was my fault ). Next she told me that the money I transferred bounced back and when i checked my BoFa account and yes the money was returned to me as a credit adjustement. Therefore she asked me to transfer again and i did. Next day on XX/XX/XXXX, I checked my account and there are no sign of themoney that she initially transferred. She obviously pulled it back and i knew i lost XXXX dollars. My problem started when I asked the BoFa customer personnel about the credit adjustment that I was seeing in my account which in the first place made me transfer an extra XXXX dollars to that first. Bofa customer person told me that it is from a claim that i initiated for a ATM deposit. I told them I never initiatedany such claim. So we tried to tarck who initially filed that claim. We came to know that someone impersonated me and called BoFa and filed that claim. This is a clear case of identity theft and fraud. But bank of america is not considering this as a fruad and not takinh any action to get me atleast the {$2000.00} that i only paid because i saw that credit in my account. After some more digging, I came to know that some one ( a male ) called bank of america ( though I am a female and solely hold the account ). The person was able to identify himself as me by giving my account number ( i gave for initial transfer ) and date of birth ( from my XXXX profile ). He failed multiple time to identify himself on the type of account, last deposit as well as the CVV number ( because he never had that info ). BoFa should have stopped him there and atleast had called on the cell number associated with the account to confirm the activity. They never called me but the customer agen XXXX XXXX escalated the case to her manager XXXX XXXX and she gave him what he wanted. I feel Bofa was very negligent while dealing this case and now they are not even accepting the fact that it was there mistake.
Consumer complaint received 2022-05-29
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. (NJ)

I have had an account with XXXX  since XX/XX/XXXX with a credit limit of {$300.00}. 
After reviewing my credit report recently as well as my credit card statements it's come to my attention that there is an error being reported by XXXX. 
My payment due date is the XXXX of every month. On XX/XX/XXXX a payment of {$40.00} was made ( attachment ) That payment was reversed on XX/XX/XXXX ( attachment ) XXXX XX/XX/XXXX a payment of {$80.00} was made. That payment was reversed for insufficient funds ( attachment ). On XX/XX/XXXX a payment of {$120.00} was made ( attachment ). That payment was cleared. Until I recently pulled my credit report, I didn't realize that a 30 days late payment was showing on my credit report for the month of May.But after carefully reviewing and calculating the days of payment due and payments posted, I see that XXXX have incorrectly posted a late payment for XX/XX/XXXX. 
My payments for XX/XX/XXXX and XX/XX/XXXX were reversed. My payment for XX/XX/XXXX was cleared and posted. ( attachment ) So if my due date is the XXXX of every month and then the XX/XX/XXXX payment will cover XXXX because that is NOT 30 days past XX/XX/XXXX. 
XXXX have mistakenly and incorrectly reported the month of XXXX as being late. I have repeatedly spoken to them about this issue and also they have never provided me a copy of my credit card statement for XX/XX/XXXX. I was told that one does NOT exist.This in itself is a clear violation of the Truth in Lending Act as well as 15 USC section 1666b ( 4 ) ... ..correction of billing errors. According to the FCRA you are required by federal law to investigate completely... ANY AND ALL accounts you post on a credit report.
Consumer complaint received 2017-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CT)

Went online to try to make a purchase for airline tickets XX/XX/XXXX, I was re-directed to another site. Once I noticed the site was not the correct website I backed out of the transaction. I immediately contacted Citibank and asked them if there was a hold on a transaction. The Customer Service representative advised me it was and no name or phone number was attached to the pending charge. I explained I was re-directed to a site that did not appear to be safe. The Customer Service Representative from Citibank advised me not to worry and the charge will not process to my account and another card will be issued and to a note will be attached advising of my issue. I called Citicard again to confirm and to see when the new card would be issued which was on XX/XX/XXXX and was advised my card was on the way. I made a purchase with the card with another merchant who immediately provided my confirmation of my purchase. On XX/XX/XXXX I received a letter from citicard with forms attached in regards to the merchant What 's Cheap. I signed the paperwork and mailed it back. I received another letter from Citicard on XX/XX/XXXXadvising me my dispute was overturned. I asked for a copy of the confirmation email from the merchant and proof of purchase, I called citicard on XX/XX/XXXX and was advised I can fax a letter to XXXX per XXXX ( see attached ) I called again on XX/XX/XXXX and was advised my fax was received per XXXX. I called again on XX/XX/XXXX I called per XXXX I need to write to the office of the President at XXXX XXXX XXXX XXXX ID XXXX escalated to a Supervisor XXXX and was told the Office of the President did not have a fax and to mail in the complaint. I have been getting the run around and I have fraud protection on my account. I can not contact the merchant since no phone # exists on the site you can only email. I have copies of other people complaints with the same merchant arguing this is a fraud company. I can not get this resolved with Citibank. Please assist. What 's cheap would not be a site I would ever make a purchase with and did not authorize this charge to my account. I did not authorize this charge to my account this is a fraudulent merchant and charge.
Consumer complaint received 2022-05-29
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. (TX)

In accordance with the Fair Credit Reporting act 1. XXXX XXXX XXXX  Account # XXXX 2. XXXX XXXX Account # XXXX, 3. XXXX XXXX XXXX Account # 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
Consumer complaint received 2020-12-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I sent letters XX/XX/2020 regarding incorrect and unknown things on my credit report. It's been well over 30days later and I have not received a response yet. I feel like I'm being completely taken advantage of and being ignored of my disputes at this point. Section 611 a states that a failure to investigate these items with 30 days is a reason to remove the items from my credit report immediately. It's been over 30 days so they should be deleted immediately or I will file for litigation due to the stress that you have caused me and my family. My information also could have gotten into the wrong hands due to the XXXX data breach. Please fix this immediately.
Consumer complaint received 2022-05-29
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX, the following have violated my rights ; 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, XXXXXXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-29
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX, the following have violated my rights ; 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 15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-29
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. (TX)

In accordance with the Fair Credit Reporting act 1. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX, XXXX. XXXX XXXX XXXX Account # 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