davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I have been denied credit for housing and auto loans due to Experian reporting I have a fraud alert on their file. I was under the assumption that a fraud alert meant I would be notified that a new credit application was being filed and a higher level of identity verification was needed. Unfortunately, neither Experian or any vendors that guy submitted a credit application XXXX contacted me to verify my identity besides my SSN. I received multiple denial letters indicating vendors received a report from Experian that my identity could not be verified which does not make sense to me because Experian does not verify my identity I, XXXX XXXX confirms my identity with any vendor that I choose to do business with.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXXPayment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Paid Type Charge account Responsibility Individual Remarks Payment after charge off/collection Settled - less than full balance Times 30/60/90 days late 0/0/0 Closed -XXXX. XXXX, XXXX Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX Bankruptcy  Responsibility Individual Asset Amount XXXX
Consumer complaint received 2019-06-14
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR (MD)

copies of documents attachment tax refund request XX/XX/2019 The reverse mortgage funding received my home owners tax credit from XXXX year end and I have made several attempts to contact them to request the error as ask for a refund in the amount of the {$2100.00} tax credit I have gotten my attorney involved communicating with them by sending a request for refund letter dated XX/XX/2019 and they have not provided a response since the attachment explains the detail regarding the refund request. currently they have ignored the request and have provided no response to date. I have previously discussed this matter with the RMF service representative and recently turned it over to legal for a resolution and have not received an explanation of why they are withholding the refund request. I have provided the contractual agreement surrounding the refund explaining that they are un-rightfully holding the homeowners tax credit that is due to me the homeowner according to life expectancy set aside amount of XXXX that they withheld from my home equity at closing they suppose to pay the property taxes and insurance as it becomes due to be paid. 


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Consumer complaint received 2024-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I called the lender and sent them a fee messages to figure out what we can do to lower my rates. They said my mortgage was estimated to be XXXX a month due to property tax increases. My property taxes went up XXXX dollars annually. They provided me with information on my mortgage, which is XXXX. My property taxes annually were XXXX. Together it should be about XXXX. And if we add in the monthly payments of the insurance, it is XXXX. I recently paid almost XXXX dollars into my escrow, yet my rates still remain the XXXX. I don't know what else I am paying for, and don't know what else to do but this is not right.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting you this Complaint via CFPB to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX Balance : {$2500.00} US DEPT OF ED/XXXX XXXX XXXX : {$85000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-05-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

I purchased a home in XXXX XXXX, GA in XXXX. The second was carried by GMAC Mortgage. In XXXX, GMAC Mortgage filed for bankruptcy protection. After writing letters in attempt to find out who would handling my mortgage the letter came back undeliverable. I received a letter from XXXX XXXX XXXX in XX/XX/XXXX, stating they were collecting a debt for PHH Mortgage. I contacted PHH Mortgage and was told to disregard the letter. I soon learned that PHH Mortgage was a front company for Ocwen, who I have learned took possession of GMAC customers in XXXX. Ocwen never informed me that now the Mortgage company holding my note. 

Under the federal law, borrowers are required to be notified in writing whenever ownership of a mortgage loan is sold, transferred or assigned to a new creditor. Ocwen failed to do this and now asking XXXX to collect $ {$180000.00} from me. I attempted to resolve this matter but PHH Mortgage, they knew nothing about this matter. Now they have told me to contact XXXX. I think this is wrong what Ocwen has done and reach out to CFPB for help.
Consumer complaint received 2019-07-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

XX/XX/2019. We received a letter from Bank of America which appeared prior to opening to be a normal bank statement. Upon reading the letter, dated XX/XX/2019, we learned that our home equity loan had been sold to XXXX XXXX XXXX XXXX. We were alarmed at this change of servicer after reading numerous bad reviews and complaints online. 

The letter from BOA stated " You should receive a welcome letter from XXXX XXXX XXXX XXXX with more information about the next steps. '' We have received no such letter. 

The BOA letter goes on " Begin making payments to XXXX XXXX XXXX XXXX beginning XX/XX/2019 ''. 

Obviously this notice during the summer, when many people are away on vacation, and appearing to be the same monthly statement we receive every month Bank of America is counting on customers not opening the envelope before their due date and then the new servicer will not only be able to collect late fees, but the customers credit score can be effected. 

If a Bank of America customer logs into their online account - the Home Equity Loan is right there - with a payment due date of XX/XX/XXXX - leading them to believe everything is the same as ever. So if they are unaware that their loan has been sold, their payment will end up in some Bank of America black hole and they'll be late on their mortgage. This is clearly a deliberate attempt to *technically* follow the rules for informing the customer, but increasing the likelihood that the banks will somehow profit from customers oversight. 

If Bank of America really wanted to facilitate this transfer in an ethical manner, then at minimum the online mortgage payment portal should mirror the information in the letter - show no payment is due to Bank of America on XX/XX/2019 but instead, payments should be made to the new servicer. 

I called and all the Bank of America employee did was tell me it was up to me to call the new servicer and figure out the payments. They took no responsibility for the fact that the promised welcome letter and information would be received in time - in fact he said " that's a different company, we have no control over what they do or don't do. '' This is unacceptable and while I hope I can figure out how to make our payment by tomorrow, I am 100 % sure there will be tens of thousands of former Bank of America customers who are impacted by this unprofessional behavior.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which is ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please remove inaccurate numbers as well as listed below : XXXX. XXXX XXXX. XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

You have 30 days to validate or deletion is required! 

Thank you, XXXX XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IA)

There is a charged off account on my credit report from XXXX XXXX I began disputing it back in XX/XX/2021. The information for this account changes every month ( balance, date of first delinquency, etc. ), the information as to when it actually charged off between the XXXX bureaus is completely different which per the Fair Credit Reporting Act ( FCRA ) signifies inaccurate reporting. This account is sinking my credit score and I have attempted to work with both the XXXX credit bureaus and the original creditor to no avail. The company refuses to even send me a settlement letter or billing history verifying this debt, which I'm pretty sure is also a violation of my rights under the FCRA. The credit bureaus also are supposed to provide information regarding how they went about verifying the accuracy of a debt when which was not done when I requested an investiagtion. What is the point of having the FCRA if the credit bureaus and companies can simply do what they want and get away with it?
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (LA)

My property located at XXXX XXXX XXXX in XXXX, LA was catastrophically damaged by Hurricane Ida. My insurance company has assessed the damaged at {$96000.00}. The funds dispersed total {$88000.00} ( total damage less {$7700.00} in recoverable depreciation ). The loan balance is {$51000.00}. 

I was issued an insurance claim packet, which I successful filled out to completion. I have since been asked to provide additional estimates from my contractor, which is in excess of the requirements spelled out in the insurance packet. 

It is now 76 days since Hurricane Ida made landfall, and I have yet to receive any money for repairs on the property. 

Roundpoint continues to put up road blocks, find excuses, and delay issuing funds required to repair my property. 

Furthermore, Roundpoint is retaining funds that exceed the balance of the mortgage by {$39000.00}. 

I was told on XX/XX/21 that funds in the amount of $ XXXX have been dispersed, however, I have yet to receive them.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item XXXX not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2023-03-09
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. (RI)

XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, ALLY FINANCIAL XX/XX/XXXX, CREDIT ACCEPTANCE XX/XX/XXXX LIGHTSTREAM XX/XX/XXXX FEB/DESTINY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ML XXXX BANK XX/XX/XXXX AMERICAN CREDIT ACCEPTANCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AMERICAN CREDIT ACCEPTANCE XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX AMERICAN CREDIT ACCEPTANCE XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

I previously filed a claim against this company ; claim number XXXX. The creditor responded, but not correctly. The creditor said I didn't sent them a request for debt validation. I've uploaded/attached my debt validation request letter dated XX/XX/, 2021. To date, I haven't received a response to my request.
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. (TX)

I reviewed my consumer reports and noticed two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc. (KS)

On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had {$25.00} in cash that the XXXX  had converted into a prepaid card ( without my permission ). Well I tried to direct deposit my balance to my CashApp account not knowing that cashapp has to have a direct deposit form filled out by the prepaid card provider, or maybe the XXXX? Either way I sent it and have not received my balance in cashapp and the prepaid card balance is empty {$0.00}. My question is, will i or can I get my {$25.00} back? 
Thank you for your time I hope we can get my issue resolved soon.