davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-01
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. (FL)

Hi my name is XXXX XXXX and I'm reaching out to you all once again in regards to my credit report. I'm currently in the market to purchase a home and before I actually start the process I wonted to review my credit report. After carefully reviewing it I notice a couple of items that are not mine and I have no idea where they came from. It's kinda of scary that something like this can happen. I reported this issue to the police already and have contacted the FTC. These items are not mine and I have no idea how this happened but these items still need to be removed from my credit report : XXXX XXXX  US DEP ED, XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I refinanced my home mortgage with the company called Loandepot in XX/XX/XXXX and included Taxes and Homeowners insurance in Escrow. In the last week of XX/XX/XXXX, I logged in to my online account and found that no Insurance payment has been made from my escrow. My Homeowner 's insurance expired in XX/XX/XXXX because of that. I followed up with loandepot and was told that My Insurance  broker company never shared new bills with them and they have put me on forced insurance. I made them available with these new bills. A lot of back and forth happened with no results. I contacted XXXX XXXX myself and they told me that since the policy has expired they have to write a new policy. Still loandepot was telling me that they are communicating with XXXX XXXX regarding the policy renewal. I gave up hope on loandepot resolving anything. Already 3 months had passed without Homeowners insurance, so I bought a policy myself on XX/XX/XXXX and updated loandepot about it on XX/XX/XXXX. They screwed up again and XX/XX/XXXX I noticed on my online account that a payment of {$730.00} has been paid from my escrow to the insurance. I contacted loandepot again and they have no idea that they have made a payment to the insurance policy that was expired in XX/XX/XXXX. I haven't got any resolution from them yet. Every time I call, they put me on hold for hours. Please help me resolve this matter.
Consumer complaint received 2019-04-02
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. (GA)

Ive filled out an identity theft and sent information to the bureau. Items years old are just appearing on my report. I called and advised that they have my information mixed with someone with the same name. I called the companies and the social security number listed for the accounts are not my social security number and the directed me to contact the bureau. I am requesting verification that the social security number listed on the accounts belong to me and i did not receive the information that verified the information belonged to me. I had a credit report in XXXX that did not list these accounts that are years old
Consumer complaint received 2019-10-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (VA)

1 I opened a Savings Account with BMO Harris Bank on XX/XX/XXXX. A initial deposit by check of {$5000.00} was sent to them on XX/XX/XXXX. The check was paid by my Bank on XX/XX/XXXX. Now BMO Harris has put a hold on the funds until XX/XX/XXXX which is 12 days AFTER my Bank disbursed the {$5000.00}. In the meantime the money is idle and not earning interest. This hold of 12 days is excessive and abusive. 
2. The interest is not posting as of the end of the month as it is customary with all Banks. BMO Harris says it will show the interest posted at the end of the monthly cycler. 
3. To talk to a human at BMO Harris takes usually 30 minutes or more on hold. UNACCEPTABLE! 
4. Communications by email go unanswered. 
5. When you ask to talk to a responsible Manager you are not allowed and given a runaround. 

In my opinion, this Bank is a SCAM and should be investigated by Federal Banking Authorities. I have now made a 2nd deposit of {$5000.00} via on-line transfer and they don't even acknowledge that 2nd deposit. I am very concerned that my {$10000.00} will be lost! 

Please investigate and let me know! 
Thank you.
Consumer complaint received 2019-04-01
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: LEXISNEXIS (AZ)

This is my 3rd attempt to get my credit report with my good accounts, delete all errors-wrong names and addresses per FCRA. 
I need a new corrected report and credit accounts on the report asap!! 
I need corrected report with my credit and score by XX/XX/2019.
Consumer complaint received 2019-10-01
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. (CA)

I have sent each credit agency letters stating that the information they are reporting does not belong to me. Each agency is reporting names and addresses that does not and have never belonged to me. 

this is incorrect and needs to be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX I have never lived at these addresses 1. XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 5. XXXX XXXX XXXX XXXX, CA XXXX with all of the fraud and data breeches with the credit agencies I need my information to report legally and correctly on my file. 

I am submitting my id and social please update my name as it stated on these documents.
Consumer complaint received 2019-10-01
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. (CA)

I have sent each credit agency letters stating that the information they are reporting does not belong to me. Each agency is reporting names and addresses that does not and have never belonged to me. 

this is incorrect and needs to be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX I have never lived at these addresses 1. XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. XXXX XXXX XXXX XXXX, CA XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 5. XXXX XXXX XXXX XXXX, CA XXXX with all of the fraud and data breeches with the credit agencies I need my information to report legally and correctly on my file. 

I am submitting my id and social please update my name as it stated on these documents.
Consumer complaint received 2019-05-02
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. (GA)

I looked at my credit report and notices some missing payments and a collection account I am unaware of. 

Please investigate the following account need be reviewed and updated : XXXX XXXX has not reported payments for XXXX, XXXX, XXXX and XX/XX/2019 XXXX XXXX XXXX - Account : {$540.00} Balance {$450.00} Original Amount I do not recognize this account and it does not belong to me please re-investigate delete this account from report. 

I have been wrongfully denied credit due to the following reporting mistakes. I have enclosed my ID and a bill as requested
Consumer complaint received 2019-05-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America reached out to me to offer me a HELOC at 85 % LTV on my primary home. I have a high income, low DTI, and good credit so I thought it would be smooth. They also contacted me and pitched me on this deal. I spoke with their mortgage specialist to discuss my assets and liabilities so he knew all of my details. He told me we could apply for {$150000.00} HELOC. During the application process he then came back to me a few days later and told me they would only approve me for up to {$50000.00} and a LTV of 75 % but they wouldn't tell me specifically why. They told me it was proprietary and they wouldn't disclose the why the LTV amount changed. ( Again it's not income or credit related ) The specialist said that we could get a waiver of their internal rules if I just continued to submit the income/paperwork verification. He had my round up all my tax returns, work with my HOA to get the previous bill. The under writer then called me and told me they wouldn't go higher than the {$50000.00}. It was a complete bait and switch to get me to submit the application at one level, only to change the terms without tell me why after. I would not have applied with Bank of America if I knew they had such a low limit, but was told the limit was much higher.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OK)

I have tried multiple times over the past year to get Experian to remove several old student loan accounts off my credit report. Now, when I try to dispute them with Experian, I get their favorite line, " experian has already allowed you to dispute these once and is not obligated to allow you to dispute them again '' This statement really is Experian 's go to line to give consumers, on average I've had to dispute an incorrect item about 4-6 times before experian will take it seriously. 
But, every time after doing so multiple times, they end up removing the item because I was correct. 
All of these are over ten years old and have been paid and closed. There are two accounts labeled " XXXX XXXX XXXX '' that show " unknown closed ''. There are a total of 9 old student loan accounts that have all since been paid and closed and Most of the data on each of these files is either missing completely or incorrect. Some of these show as late and are counting against me on my credit score, while at the same time, they only have small bits of data/information. The dates of these accounts are all between XXXX. Some of them appear like they are duplicates, but then again with very little information ( mostly blank ) it's hard to tell which is which. All of the accounts in question are some variation of XXXX, XXXX XXXX XXXX, or Dept of Edu/XXXX. XXXX is notorious for their mishandling of student loan files and committing fraud against borrowers. This makes it even more important to remove ALL of these considering most of the data is blank/incomplete. 
Please, Please do the right thing and remove all of these ASAP, like most individuals who have student loans, it is almost impossible for me to get the correct information from these old student loan companies. - ( some of which no longer exist due to fraudulent handling of student data )
Consumer complaint received 2019-05-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (CO)

I have been paying off my loan with XXXX XXXX XXXX consistently for year with no problem. Starting this year I updated my bank account information and all of a sudden all my payments have been failing. I have tried paying to my loan 6 times and they keep failing the payment. I have re-updated the correct bank account information multiple times and they still fail to accept the payment. I contacted my bank, who checked their system and they found 0 record of XXXX every trying to take the payment. I have confirmed the bank accepts ACH ( I have multiple other loans paying from the same bank account with NO problems ). The customer service with XXXX is HORRIBLE. I have called and e-mailed numerous times and I get some person outside the United States who knows nothing and they all come up with a new excuse and never actually help. I have gotten no return contact from someone who will actually fix this. Now they have started going after my credit for their error! I can not get anyone to help and all I want to do is pay my loan and restore my credit history, which should show 100 % payments and no derogatory marks. I am trying everything I can and this is all the fault of XXXX and their failed system.
Consumer complaint received 2019-10-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Freedom Mortgage Company (PA)

Freedom Mortgage caused a huge problem with my bank account and did not follow instruction properly on processing of my payment. This created me to be late the following month due to their negligence in handling the problem and resolving immediately. they submitted for payment several days after they were supposed to process ACh payment, which is supposed to process immediately that day or day after, They also received payments as proven by bank statements I sent to them showing proof of this. After calling them they were arguing with me about something that was clear as day. 

I mailed another check to them 6 days before months end and they said they never received it even though all my other bills mailed same day were received by other service providers. they stated they would consider it late because of this. However, the ACH that should of been processed on a particular day would have avoided the so called late payment on record.
Consumer complaint received 2019-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lake City Credit (TN)

I have been repeatedly contacted by an agent stating he works for your collection agency from the following phone number - XXXX which according to XXXX belongs to XXXX XXXX in regard to an alleged debt that does not appear on any of my credit reports and well past FDCPA SOL. Upon further research I found that Lake City Credit does not appear to be licensed in the state of Tennessee. On a recorded line I made it clear to your agent that I am challenging the validity of this alleged debt and require debt validation per the FDCPA in addition to who contracted your firm to collect this debt and proof that you are legally licensed to collect in the state of Tennessee. Until then Lake City Credit shall immediately cease and desist from further contact outside of providing debt validation via mail. Furthermore a copy of this message along with the recorded convo with your agent will be forwarded to the following agencies : The XXXX XXXX XXXX, Tennessee Dept of Commerce,  Tennessee Attorney General, and the Consumer Financial Protection Bureau. In addition any further calls from your agents will be logged, recorded and presented during my legal recourse.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mcburberod Financial, Inc. d/b/a SeedFi (NJ)

XXXX open account with SeedFi I had on time payments never late paid off got back XXXX XXXX I look at my credit report now its saying SeedFi just put a negative remark onto my credit profile the XXXX XXXX, XXXX and XXXX said they dont understand this because it showing paid off never late .SeedFi told me to contact another company thats buying them out. I called the company. They said they dont have my file to take it up with SeedFi.
Consumer complaint received 2019-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NJ)

So i signed up with XXXX because they told me they would give me a {$50.00} gift card. They never did. I called and asked about it and they said i had to fill out a form online. I did that. They still didnt give me the gift. I called again and they acted like nobody ever spoke to me or like i never called. They asked me to fill the form again. This was now a couple weeks after i opened my XXXX phone account. Never received the gift. I called again, again they acted as if it was the first time i called but stated the promo was over. Well i stayed with them for a few years but didnt like the service so i switched to XXXX. In order to do so i called XXXX to cancel my account and the agent said i would have to pay the rest of the month bill. I said fine. Then following month i received another bill. I called XXXX and they insisted i pay. So i tried to raise a complaint and the rep said she can take half the payment which was {$35.00} and it would settle the account. So i paid the {$35.00}. Which was half, and was told the account was settled. I recieved anothet bill for the other half. When i called they said to pay, i explained my previous agreement and the rep said ok, just disregard the bill. She said it was an auto generated bill and not to worry. Then i was contacted by XXXX or debt collector. Im not sure. They offered to settle for {$39.00}. More than the original amount, or i will have to pay {$43.00}. Well i told my story again. They said it wasnt valid and i said they would send me a letter to dispute i would have to send a letter as well and they would mark the account as refused. Well i then received a bill from convergent outsourcing inc . Asking me to pay XXXX. So i called and they refused to tell me anything unless i gave my social or date of birth. They would tell me where to send dispute or give me any info at all. I confirmed my account number with them but they said they cant tell me anything without me confirming my private info. Well its only XXXX but its a broken system. Companies doing whatever they want and not being held accou table. It was deceptive, unfair, and abusive.
Consumer complaint received 2023-02-01
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Suffered water damage in home in XX/XX/XXXX. Insurance company has paid on claim in full. PHH has had the money since XX/XX/XXXX. PHH sent an inspector who conducted final inspection and approved it on XX/XX/XXXX. They were to disburse all funds to me within seven business days of final inspection. Have been in constant contact with them and they keep saying they have to wait for the proceeds and that they are waiting for the " financials to update and clear, '' even though they've had the funds for over three weeks. Have even talked to a " specialist '' there who is no help. They can not give me a date when they will send my money. I need it to pay off my contractor who is threatening to add interest and file a lien. I am XXXX XXXX XXXX and living XXXX XXXX XXXX XXXX. I need MY money.
Consumer complaint received 2019-05-02
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. (NY)

I ran my credit recently to start generating credit and see someone else has been using my credit before I even got the chance to. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX-XXXX amount {$1200.00} opened-XX/XX/XXXX ( 4 yrs, 1 mos ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX-XXXX amount {$250.00} opened-XX/XX/XXXX ( 3 yrs, 10 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX-XXXX amount {$320.00} opened- XX/XX/XXXX ( 3 yrs, 4 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX ( XXXX ) XXXX-XXXX amount- {$0.00} opened-XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX  XXXX   XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX amount- {$370.00} opened-XX/XX/XXXX ( 5 yrs, 6 mos )
Consumer complaint received 2019-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX XXXX - ACT # XXXX {$0.00} -- - {$500.00} -- -- - {$810.00} Opened XX/XX/17 This Item does not belong to me and I have tried disputing it with the credit bureaus and that have determined that it is my debt. This account was open fraudulently and is not mine. I have filed all police reports and ID theft.gov reports as well and submitted all to the bureaus.
Consumer complaint received 2019-05-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XXXX XXXX 2019 I was charged a {$25.00} HSA closure fee when terminating my Bank of America Health Savings Account and transferring the balance to a new HSA with another provider. This fee was not mentioned at all on the only website I could find with information about the account. https : //healthaccounts.bankofamerica.com/hsa-faqs.shtml I was also charged several service fees that were higher than specified on that website. On XX/XX/XXXX I was charged {$3.00}. On XX/XX/XXXX I was charged {$4.00}. The fee is normally {$2.00} as specified in the link above. 

The amount of the closure fee was not specified in the Custodial Agreement that was mailed to me when setting up the account. That custodial agreement is not available on the account website, myhealth.bankofamerica.com, not even when logged in. 

Bank of America does not have a support email address or web form to get help online, only a chat system with limited hours. This is inconvenient for all and inaccessible for some.
Consumer complaint received 2024-03-07
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

I am writing to you with the utmost urgency and frustration regarding the fraudulent accounts that persist on my credit report. It has come to my attention that despite repeated attempts to rectify this egregious error, these fraudulent accounts continue to tarnish my financial reputation. This is unacceptable, and I demand their immediate and aggressive removal from my credit report. XXXX XXXXXXXX