davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (MI)

Debt was not owed. Company has been reporting false information on my credit report.

Federal law provides that it is a crime to violate the Rights of a citizen under the color-of-law. You can be arrested for this crime and you can also be held personally liable for civil damages.

Attempting to cause a person to do something by telling that person that such action is required by law, when it is not required by law, may be a felony.

18 USC 242 provides that whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States ... shall be fined under this title or imprisoned not more than one year, or both.

18 USC 245 provided that Whoever, whether or not acting under color of law, intimidates or interferes with any person from participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; [ or ] applying for or enjoying employment, or any perquisite thereof, by any agency of the United States ; shall be fined under this title, or imprisoned not more than one year, or both.

42 USC 1983 provides that every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress.
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

I purchased a home in XX/XX/XXXX. At the time, the mortgage escrow account was funded so as to cover the supplemental tax bill that was expected. The mortgage was subsequently sold to BSI Financial. When I received the Supplemental Tax Bill in XXXX, I submitted it to BSI via their website. I subsequently followed up several times and heard nothing back from BSI until XX/XX/XXXX. By that time, the first payment due date on the taxes had passed and I had incurred a late fee of {$230.00} ( 10 % ). The representative on the phone ( who called me ) gave me a new email address to which I needed to submit the bill. I emailed it to them that same day. I heard nothing back. I subsequently followed up several more times with no reply. I called them today ( XX/XX/XXXX ) and was advised that my request to pay the supplemental taxes from the ( ample ) escrow account had been denied, and that I may get a refund at my next escrow analysis in XXXX. In the meantime, I will be forced to pay the property taxes in order to avoid a second late fee charge. 

I believe that this company is deliberately dragging its feet and denying a perfectly valid claim in order to profit from having my escrow balance be excessively high for as long as possible.
Consumer complaint received 2020-12-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN - XXXX AFNI Collections XXXX XXXX XXXX XXXX, Il XXXX Account # XXXX I would like to file a complaint because AFNI collections added this account ( XXXX ) to my credit report without notifying me in writing or any other form of communication. They claim I owe {$980.00} which I have requested information on how I owe this amount and the dates to which they say I owe. I have not received any information about how I owe this amount and for which dates they say I owe. I did not apply for credit nor receive credit from this provider on the dates on my credit report.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (NV)

I have an exceptional payment history with all my accounts. XXXX, I am using a lot of my credit in order to survive due to Covid-19. 

Suddenly and without warning First National Bank of Omaha closed my account, causing my credit score to drop by over 30 points as due to this I am at 121 % of my credit usage. 

This will now cause a cascading effect and I am sure other banks will close my accounts. 

During this time of the pandemic people use their credit cards as a lifeline to buy food and pay utilities. When a card closes your account like this, in times like these it can cause hunger, evictions and bankruptcies.
Consumer complaint received 2022-05-13
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. (TX)

The Credit Bureaus never did a proper investigation according to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They did not do this Also they have violated my rights even more In accordance with the Fair Credit Reporting Act everything has to be 100 percent accurate on my credit report The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal. 
They also violated the law because according to 15 U.S.code 1681 1.section 602A State : I have the right to privacy 15 U.S. code 1681 section 604A States : it also states a consumer reporting agency connot furnish a account without my written instructions I did not give anybody written instructions Delete all inaccurate accounts
Consumer complaint received 2022-05-13
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. (IN)

n accordance with the Fair Credit Reporting act XXXX  XXXX  ACCOUNT NUMBER XXXX, XXXX, XXXX  XXXX  ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX, XXXX, XXXX ACCOUNT NUMBER 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 2016-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I 'm a vimtiam of identity theft and someone try opening account in my name XXXX XXXX, XXXX XXXX/XXXX/2016 and XXXX XXXX XXXX/XXXX/2016
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NJ)

XX/XX/XXXX we were sold a XXXX XXXX XXXX XXXX Credit card. At that time we were told it's " like a XXXX '' just spend against it and when your child turns XXXX, you can use it for college loans or books, etc. In XXXX XXXX XXXX a company named XXXX XXXX took over the rewards aspect of the card and supposedly sent us a letter stating they changed the program and that we would need to redeem our points every year to make the program work. We never signed anything, no email was sent, and WE NEVER RECIEVED ANY LETTER. We have been using the card like we were told but in XX/XX/XXXX, we called XXXX to see how the account was doing and they said we haven't been redeeming our points so nothing has really happened. We redeemed that day for @ XXXX dollars in points. However, we lost 6 years of compound interest. After contacting XXXX, they say it's an XXXX XXXX problem, and vice versa. This is an easy fix, but both companies are stating they can't do anything because a letter was sent. We never got any letter.
Consumer complaint received 2020-12-18
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 am bringing this complaint forward as I have contacted this credit bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. 
The accounts are listed here below : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed XXXX claims Claim ID : XXXX for XXXX XXXX $ Someone bought XXXX using my account and the bank refused to lend me anything back. I filed reports immediately and swapped my card, but no action was ever taken.
Consumer complaint received 2022-05-13
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. (GA)

I originally opened an account with XXXX, a XXXX credit card. Charges made on the card was not all my charges and XXXX was aware of that. The account charged off and let XXXX collection team the account had a {$0.00} balance and the account was sold to another creditor. If this account was charged off and sold this account shouldnt be reporting on my credit report at all and if its going to report it should show completely charged off with a {$0.00} balance.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

experian after completing an investigation allows creditor to " re-age '' the account which makes it more damaging and is misleading and inaccurate.the creditor is west asset mgt, account no.XXXX.the account history shows in collection as of XXXX XXXX, when their own previous report shows paid in XXXX XXXX. 
EXPERIAN REFUSES TO RE-INVESTIGATE AS FRIVOLOUS.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

WWW.annualcreditreport.com which the bank uses for their bureau pulls is fraudulently taking XXXX points for my score to make it where the bank can charge more interest// my score at XXXX is XXXX and the sent to the bank stating on their report their XXXX at the top of it but at the bottom of it is them and they toke XXXX points off my score so the bank could charge more interest for a loan and that is fraud. it has to show what is on XXXX and they can not refigure are change it by fair credit act. it is to show what is on your bureau when it is pulled by law and theft are evading the law to make it for the ones they pull for more interest on the loans. and that is theft of services
Consumer complaint received 2022-05-13
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. (TX)

I checked my credit report and noticed inquires that I did not authorize. I reached out to the companies by phone and the issue was not resolved
Consumer complaint received 2021-11-08
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: EQUIFAX, INC. (CA)

Tried 3 times already -- my Equifax NOW SHOWS LATE MORTGAGE for 60 days late XX/XX/XXXX for XXXX XXXX paid off in XXXX of XXXX
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: California Business Bureau, Inc. (CA)

An account from California Business Bureau Account # XXXX is reporting on my XXXX report. I bill that they mailed me is in violation of U.S.Code 1692 b 1692b ( 5 ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and FDCPA Discussion. 

I am attaching a copy of the bill as proof, and furthermore I have already verified with the hospital that this is a billing error. They have made it clear that the patient was in fact covered at the time of this hospital visit. This error on my report has caused my business much harm and CBB should know that if this item is not removed I will take legal action. A copy of the FCRA is also attached as you will find this error is also in violation of many codes listed.
Consumer complaint received 2022-05-13
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (ME)

I sent a request for information letter to PHH Mortgage Services ( Reverse XXXX ) on XX/XX/2022. The letter had attached to it a Third Party Authorization in my favor signed by the borrower. PHH signed the USPS Certifed Mail " XXXX XXXX '' for my XXXX letter showing receipt by PHH on XX/XX/2022. In numerous calls to PHH on XX/XX/2022 and XX/XX/2022, PHH representatives said to me " you are not authorized on the account, therefore we can not discuss it with you. '' They say they have no record of the third party authorization. They refuse to connect me with a supervisor -- stating that there is no supervisor available. 

On XX/XX/2022 I re-sent my letter of XX/XX/2022 with the the Borrower 's Third Party Authorization to the PHH email address at XXXX. I also tried six times over the course of 24 hours to send it again by FAX, but each time I received notice that the FAX was not received because the PHH FAX line is busy. 

My client is due to exist a period of forebearance on this FHA insured reverse mortgage on XX/XX/2022. The client was in a repayment plan before forbearance began. We want to apply for a Maine HAF Program grant to help reduce the amount due on the repayment plan. We can not do that until we can communicate with PHH about terms of the forebearance exit.
Consumer complaint received 2020-12-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

I have been trying and have failed to receive the form XXXX from the this mortgage company. It's been over a month and I have escalated this issue as high as I can go within the company. I need this form so my home can be from titled to deeded. My house payment went up over {$300.00} per month to cover these " taxes '' that I don't owe. If they would sign the form then I can file with the tax accessors office and won't owe the taxes. I paid one of their engineers to come and certify that it meets the criteria to have it deeded. I have supplied the documentation over and over to this company and I can't get no where. I had to come up with XXXX dollars so my house would not be sold on the court house steps because they failed to pay these taxes but won't sign the form so I can dissolve the tax debt.
Consumer complaint received 2022-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

Called On XX/XX/XXXX, at XXXX XXXX. On hold for XXXX hours and XXXX mins. Spoke to XXXX ID number XXXX. Requested my student loan refund. Told me XXXX business days and it would be in my account. 

Called XX/XX/XXXX, at XXXX XXXX. 
The person I spoke with stated my refund request has been received however, the process is taking anywhere from XXXX weeks to 2 months. But reassured me my refund will be refunded to my banking account. Their system is just overwhelmed. 

Called XX/XX/XXXX, at XXXX XXXX. 
Automatic system told me they no longer service my loan and to call this number.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I requested my consumer credit report AND file from Transunion. They responded with a stall tactic refusing to comply with my request. Transunion is in violation of my federally protected consumer rights.
Consumer complaint received 2019-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (MD)

On XX/XX/2019, I requested a new payment schedule change from my borrower, Great Lakes. The change was approved, and I entered my new payment schedule. However, after, I noticed that my " paid ahead '' status was now gone. Upon contacting my borrower, I was informed that a change in payment schedule results in a forfeiture of any " paid ahead status. '' Nowhere during the process of requesting this change online was this mentioned. I requested documentation of where I might find such information on two different occasions ; once on XX/XX/XXXX, again on XX/XX/XXXX, and finally on XX/XX/XXXX. Today, on XX/XX/XXXX, I received the following response : Thank you for your patience. 

I apologize for any frustration this may have caused. After review of our website, I too was unable to find any information regarding the paid ahead status during repayment changes. A request has been submitted to update the website to provide more information regarding the effects on your paid ahead status during repayment changes. Thank you for bringing this to our attention! 

To rectify this situation, we have reinstated your previous payment schedule as requested and you can continue to take advantage of your paid ahead status. You are currently paid ahead {$1500.00}. As a reminder your next auto pay withdrawal is scheduled for XX/XX/2019 in the amount of {$260.00}. 

Please note that you can view all of your account details online at any time by using the following steps : Log in to your account at our website, mygreatlakes.org. 

Click on My Accounts in the Navigation Bar at the top of the page. 

Select Account Summary from the drop down-list. 

Click the Account and Loan Details link in the Account Summary section. 

Click on Choose an Account to view the individual account specifics. 

You can also order a full account statement using these steps : Click My Accounts in the Navigation Bar. 

Select Student Loan Obligation Statement from the drop-down list. 

Click Printer-friendly View. 

If you have any outstanding questions or concerns, please do not hesitate to contact us. 

Sincerely, XXXX XXXX XXXX Department Supervisor Great Lakes Educational Loan Services , Inc . 
( XXXX ) XXXX or ( XXXX ) XXXX TTY XXXX Monday Friday XXXX XXXX  XXXX XXXX Central time Though the issue has been rectified- I am concerned as to how this practice has adversely affected other borrowers, and the procedures/ policies Great Lakes has followed in revoking other borrowers ' " paid ahead '' statuses.
Consumer complaint received 2020-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have sent Portfolio Recovery Associates, LLC several letters via Certified Mail, 7 letters to be exact, each letter was not responded to for about 60 days. In those letters I asked them to provide documentation bearing my signature that I owe them this debt. They failed each time only sending a copy of a statement, which proves nothing.
Consumer complaint received 2019-06-28
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has release my bank records going back to XXXX to XXXX XXXX   XXXX these records are more than 10 yrs old and should not be on my record I was advised by XXXX XXXX XXXX that account would be closed after 5 yrs on XX/XX/XXXX which did not happen only to be told that they have the options to delete the record after 5 yrs or 7 yrs per their guides I request that Bank of America provide me with their criteria for hold accounts for 5 yrs or 7 yrs and a methods used to do this. This account is still open on XXXX XXXX XXXX with inaccurate information. My purse along with my checkbook was stolen and have the unauthorized transaction on this account as a victim of identity theft this should not continue to affect my life any longer
Consumer complaint received 2020-12-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (TX)

I am writing to acknowledge US Bank Association. XXXX XXXX XXXX XXXX XXXX with XXXX XXXX ID XXXX under loan officer XXXX XXXX XXXX with NMLS LIC ID XXXX is delaying and/or depriving me of a reasonably opportunity to get my mortgage refinance, which started at end of XXXX, to be completed and evaluated, loan ID XXXX. I receive a refi in XXXX and did not have to submit same information repeatly and for some not at all, like they are doing in this current refi application. They have changed my loan estimate documents twice changing numbers like est property value and est cash to close to fit their agenda. I have paid consecutively before time my current mortgage payment for seven years and have a credit score above 700. I feel they are not treating my application as a facially complete that your Regulation X and CFPB Act gives me that right. They are injuring me with additional closing cost fees, delaying and/or impairing my ability to obtain the benefits of a refi loan option at this time, along with a lock interest rate that will expire XX/XX/XXXX. With people losing their jobs due to COVID by the thousands, I feel their deliberately delaying of my application waiting for this to be my faith or like kind so they can deny my refi loan application. This is ethically wrong as hard as we Americans work to keep our home affordable. To get this matter look into before my lock in interest rate expire will be XXXX  lead and whoever choose this samaritan deed of the season may blessing over take you for such goodness that is needed at this time. 

XXXX XXXX XXXX, Refi victim