davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
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. (CO)

I went to a car dealership and was told XXXX would run my credit to see if I qualified for their financing, but when I checked my credit report it showed a whole lot of hard inquiries that I did not approve. The list is as follows : 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
Consumer complaint received 2021-02-17
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BMW Financial Services NA, LLC (TX)

My mother is XXXX years old!! They called her 7 times today alone!! I told them, on a recorded line, to stop harassing my mother yet they persist. My mother is now afraid to answer her telephone. We are in Texas in the mist of one of the worst winter storms on record and they will not stop!! This should be illegal!!
Consumer complaint received 2016-11-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (AL)

My name My name is XXXX XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with XXXX in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that Midland Funding LLC ( who say the own the account ) provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of their receipt of this request. 

Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA 623 ( b ) ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2020-02-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

A HELOC and mortgage loan application was arranged by Merrill Lynch with BOA, the parent company of Merrill, on our behalf as XXXX XXXX XXXX. The HELOC was refused, but we could obtain a {$500000.00} line of credit from a local bank. The mortgage loan was processed with the help of our financial adviser XXXX XXXX. The loan was refused. at the last minute, a few days before closing. Upon complaining, BOA conducted a prolonged investigation and determined that it was a clerical error in the part of loan processor, which could have been avoided ... .an apology was issued. We had to liquidate some of our assets, about {$300000.00} to pay for the balance of the house construction project. The mortgage loan at a preferred interest rate was recommended by by our financial advisers, as a part of our wealth management plan by Merrill. We claim that BOA/ML were delinquent in providing us the appropriate attention and caution in arranging the loan. We estimate that we encumbered a loss of {$300000.00} due to the incompetence of the personnel involved in the loan application process.Subsequently, Merill terminated our relationship as clients, in a hostile manner, without providing a reason. Many misrepresentation facts and falsification of numbers by the Merill personnel have been documented as a part of the investigation by XXXX XXXX of BOA. Complaints have been filed with FINRA and SEC. 
Event dates : between ... XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2020-12-23
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY (NJ)

To whom it may concern.

I had two money orders that were purchased on 4/21/ 2016. At the date of purchase, the teller at TD bank guaranteed me that they did not expire. As long as I didn't lose them, I could deposit them whenever I needed. I put them away for emergency. 
On XX/XX/XXXX I wrote one of the money orders out to my friend to deposit at her bank because i owed her money Her bank said they could not deposit it because they needed the bank it was purchased at to reissue it. 
On XX/XX/XXXX I took the two money orders back to TD bank to get them reissued. Instead of reissuing them, the teller deposited them and said to see what happened since after 3 years they get stale dated. On XX/XX/XXXX the money was deposited into my account and showed on my available balance. I also deposited XXXX $ at the ATM into my savings, while i was waiting for the money orders to go tnrough. After the money was authorized and available into my account, I then transferred XXXX $ of the money order into my savings because the minimum they require is XXXX XXXX On XX/XX/XXXX after the money was authorized, they just took the money out and charged me two XXXX $ transfer fees. Prior to this, no one from TD bank told me that after 3 years money orders get stale dated and goes to the state. Also, nowhere on the money order does it state any date of expiration. I dont understand why they would deposit the money orders, authorize the money into my account, then 3 days later return the money and charge me a transfer fee. This has been a very stressful ordeal and it seems like TD isn't helping me or being clear about where my money is and what two do. It even says on their website that money orders do not expire. Please help me.
Consumer complaint received 2021-06-15
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. (AL)

I have sent several letters since XX/XX/2021, and I have not received a response concerning this account ( XXXX ) listed on my credit report. It has been over 120 days and nothing.
Consumer complaint received 2020-02-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INVESTORS BANK (NJ)

Mortgage fraud. My ex-husband took out a mortgage in XXXX, XXXX, for {$670000.00} without telling me and forged my name on all of the documents. I found it in public records in XXXX, post divorce. The original lender is XXXX XXXX XXXX. Investors Bank bought it and it was discharged in XXXX. My ex-husband 's lawyer is knowingly concealing these crimes and refuses to produce the documents because the divorce was finalized. Someone tampered with public records, because the mortgage is recorded with Investors Bank on it as the Lender and my name as the Borrower. The public record of this mortgage is notarized, yet I never signed anything related to this mortgage. The mortgage documents are filed in the XXXX County Courthouse. A subpoena for the mortgage documents and application was served  upon Investors Bank last month. They refused to produce the documents to me. After several conversations with Investors Bank, they sent me a secure email stating that my social security number is not and has never been in their system. Yet there is a mortgage filed with Investors Bank and my ( now ) ex-husband and myself both listed as Borrowers. Please help me access a copy of the application I am legally entitled to.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-06-15
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: DISCOVER BANK (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2019-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

My loan was transferred to PHH on XX/XX/XXXX. I received a notification that PHH would be taking over the processing of mortgage payments. I was advised that no action was required on my part, except the payment address. I was on bi-weekly automatic withdrawals from my bank for years so I changed payee mailing address and I thought I am done. 
When I checked my first statement from PHH I found out that I am overdue for my payment. It was surprised, since I am on biweekly payments and always ahead of my due date. My 1 st due date with PHH mortgage service was on XXXX, XXXX. PHH company received my payments for this due date on XXXX, XXXX XXXX XXXX {$830.00} XXXX and XXXX, XXXX, XXXX XXXX {$830.00} XXXX, it was showing on my account activity.. 
So I called to PHH mortgage immediately and explained that I am on biweekly payments and already submitted my payments for XXXX by XX/XX/XXXX. The PHH representative told me not to worry about it and as he said he sent request to fix this problem. Unfortunately, it was not fixed. I called several times ( needless to say 40 minutes on hold ) and send emails, but nothing done. PHH Mortgage services misapplied my regular payments as principal pay down and then reporting the payment as late. Now it's a domino effect. PHH imposed the late fees on my account and refused to waive it. Its a night matter. 
PHH were not able accurately serve its customers.
Consumer complaint received 2020-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Hi, My loan is serviced by Select Portfolio Service I have asked them who is the banker on this loan they say they don't know they have to send me something in writing I have requested this information over 20 or more times never get an answer I just request it again today XXXX/XXXX/2020 and again they said they have to mail it but that it never comes in the mail. 
My mortgage statement comes in the mail so I know they have the correct address my interest rate is fixed at XXXX % from a modification I was asking them for help to modify the loan for a lower interest rate instead they so-called lowered my payment but put me in a loan that is completely upside down meaning over 75 % of my payment goes to interest keeping my escrow and principal payment in the red. 
Every payment I make my principal balance goes up and escrow fall short right now my principal is XXXX and my escrow is XXXX my escrow would have been more but I made an additional payment of XXXX towards my escrow a couple of months ago I have tried everything to help myself I was sick when I got myself into this mess but now I am better and can see what they are doing my house has been paid off several times with all the money I have just given to these people I want to be able to pay off my home. 
Please help!!!! 
Thank you,
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Equifax continues to report a public records item that their public records vendor ( XXXX ) has removed as of XX/XX/2018. This is a violation of the FCRA. I request this item be removed pending the obvious outcome of the investigation. I have provided proof from XXXX included in the communication.
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/2020, I sent a debt validation letter via certified mail with return receipt to LVNV at XXXX XXXX  XXXX XXXX, SC XXXX requesting Debt validation. Tracking # XXXX shows it was received and signed for on XX/XX/XXXX, XXXX by XXXX. Debt validation is my federal right granted under the Fair Debt Collection Practices Act ( FDCPA ). Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. 



It has now been well over the allowed 30 days and LVNV Funding has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I dispute the XXXX XXXX XXXX account several times. They continue to collect on a account included in Bk case XXXX chpt XXXX and even fax bk docs from my attorney but the will not update my credit report correctly. Talked to XXXX XXXX a collection rep who stated yes we put your file in bk but still can collect. Which is against the law. I want my trade lines reported accurately per FCRA or delete the file.
Consumer complaint received 2020-12-23
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX | DOB  : XX/XX/XXXX Trans Union LLC XXXXXXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX Ms XXXX USAA lies again to Federal Authority CFPB. NO RESPECT OF AUTHORITY. See attatched statement AGAIN presented to USAA previously XX/XX/XXXX. Beginng bal was XXXX. Credit paid by XXXX XXXX {$120.00} included in the other credits of {$340.00} see it at bottom of page XXXX XXXX Credit and XXXX credit NO USAA CREDITS LEAVING THE BALANCE OF {$470.00} ** AFTER ** AFTER ** AFTER {$120.00} is Removed. THE BALANCE LEFT ** AFTER THE XXXX XXXX CREDITED IS {$470.00} ** MEANS THE XXXX  XXXX  IS NOT PART OF THE {$470.00} BAL REPORTED FRAUD. USAA STOP LYING AND SLANDERING MY NAME. RESPECT AUTHORITY ENOUGH TO TELL THE TRUTH.
Consumer complaint received 2020-02-21
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. (MA)

I have two accounts on my credit report that do not belong to me : XXXX/Dept Of ED - {$5700.00} BALANCE - XXXX - OPENED XX/XX/2018 XXXX/Dept Of ED - {$3600.00} BALANCE - XXXX - OPENED XX/XX/2018
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX OHIO ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX SELF-REPORTED XXXX Balance : {$22.00} ; XXXX SELF-REPORTED XXXX Balance : {$5.00} ; XXXX SELF-REPORTED XXXX Balance : {$330.00} ; UTILITY  SELF-REPORTED XXXX Balance : {$92.00} ; XXXX XXXX XXXX Balance : {$630.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2020-02-21
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: Experian Information Solutions Inc. (NJ)

Credit report is in limbo since XX/XX/XXXX, unable to capture correct status as of XX/XX/XXXX. Experian has not addressed the issue.
Consumer complaint received 2020-02-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I called Wells Fargo Home Mortgage a few times on XX/XX/XXXX. I wanted to Recast or Re-Amortize HAMP Modification Mortgage, that was started on XX/XX/XXXX. My HAMP was not the typical HAMP with up to $ 10K in principal reductions over the first 6 years. I explained to WFHM that my HAMP Reduced my principal balance from {$200000.00} to {$160000.00} in just the first 3 years! A Principal Reduction of {$45000.00}! The next and final principal reduction will be on year 6, a reduction of {$5000.00}.

The 3 WFHM agents I spoke to gave Only 2 options ; ( 1 ). Wait and Hope that the Lender will send a letter saying that I am eligible for a re-amortize of the loan ; ( 2 ). Recast by putting $ XXXX Down on the principal balance! 

I said, there as been Over {$45000.00} principal reduction already, over 2 Times the of the Recast $ XXXX WFHM requirement in the last 3 Years! My WFHM monthly payments would be Drastically Reduced and be beneficial to me at XXXX years old. I need my payments based on a new Balance of {$160000.00} rather than the Original balance of {$200000.00}! They would Not offer any other assistance or remedies for my situation. 

This HAMP program has setup to provide assistance for those people, like me in XXXX, bought a home and weeks later, found out the Great Recession was in full force and many people like me, lost our jobs and became job seekers over XXXX years old. Unable to find adequate employment and had relinquished our savings, the HAMP program provided a way modify mortgages to remain in our homes.

It's under these financial stress circumstances, with my HAMP Modification and it's Principal Reductions of {$45000.00} in just the first 3 Years, that Exceeds WFHM ' Recast ( $ XXXX ) Minimum cash down on principal, that on My Request Only for a Re-amortize of the loan, the Re-amortization should be performed. 

The Re-amortization of my HAMP would only further my efforts to remain in my home and fulfill my obligation to completely pay off my home loan in the future.
Consumer complaint received 2016-02-17
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

I have money trhu wester union, to XXXX, when the beneficiary, when to collect the fund, the beneficiary was told that was no money at agent office. The tracking number for this event is XXXX, the beneficiary for those fund name is XXXX XXXX, Western Union need to be 100 % responsable for their associates or agent. Western Union or their agent playing with people 's money. Also those beneficiary wasting their time and mony to go those agent office, and get a statement is no money