davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2021, a complaint was filed against XXXX XXXX Mortgage with CFPB to recover a missing mortgage payment in the amount of {$3400.00}. The mortgage payment in question was made on XXXX XXXX through my checking account at Bank of America XXXX 
An investigation conducted by a XXXX XXXX Mortgage, on XXXX found, the XXXX XXXX payment was returned to the Bill Pay Department XXXX Bank of America XXXX XXXX XXXX, and therefore, I should contact Bank of America for XXXX XXXX recovery. 
I have contacted Bank of America several times and requested, that the payment received on XXXX XXXX from XXXX XXXX Mortgage XXXX credited to my checking account at Bank of America XXXX So far, Bank of America has not complied. 

My request is, to have Bank of America XXXX the XXXX XXXX XXXX XXXX Department XXXX Bank of America and locate the returned payment in the amount of {$3400.00}. 

Please note. XXXX XXXX claims, XXXX mortgage payments were returned to Bank of America on the following dates : XXXX ) XX/XX/2021 ( Not Credited to my account ) XXXX XXXX retuned to XXXX XXXX Department at B of A. 
XXXX ) XXXX XXXX ( Credited {$3400.00} to my account ) XXXX ) XXXX XXXX ( Credited {$3400.00} to my account )
Consumer complaint received 2021-11-12
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. (TX)

I disputed an erroneous account ( XXXX XXXX XXXX  ) on my Equifax Credit Report on XX/XX/2021. Equifax received my dispute, and to date ( XX/XX/2021 ) Equifax has not responded to my request for this incorrect account to be deleted. From my understanding, by law, Credit Reporting Agencies have 30 days from the date received to investigate and respond the consumer, and if they can not do so the incorrect account MUST be removed.
Consumer complaint received 2021-11-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

We have been having problems with Shellpoint mortgage servicing for over a year. In the year XXXX we had a some financial setbacks and they put us a forbearance plan and then the covid 19 hit us hard and they again awarded us a covid forbearance plan around XXXX of XXXX. We felt comfortable starting our payments again and were told that we had to come up with XXXX dollars up front. We didn't have anything close to that. We hired a attorney firm to work with us and still haven't resolved this nightmare. It's been 9 months and they still seem to make some excuse why they haven't come to a decision. We asked for a modification and they said we had too much equity in the house to qualify. In XXXX of this year they said it was sent to the underwriters and we have not heard anything. They keep telling our attorney some excuse after another. 
Our attorney as asked numerous times to escalate this matter to no avail. It has physically and mentally effected both of us. They have not contacted us by letter, email or phone call in over a year and it is up to XXXX to make it current, which is impossible for us to come up with. We just want to start making payments or go to another loan company. 
thank you very much
Consumer complaint received 2021-11-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Snow and Sauerteig LLP (OH)

n XXXX Snow and Sauerteig Collect have been on a mission to ruin my life for 3 years now. I was dragged in and out of pre court hearings for months were they repeatedly told me the only way forward was to sign their documents obligating me to pay over {$5000.00} for some wrongfully charged medical bills. 

At this point I was heavily pregnant, single, raising my XXXX XXXX XXXX working full time and getting through my final semester of college with 7 classes. At the time of my hospital visits ( XXXX ) I was on XXXX but not fully covered due to my immigration status. My coverage was for emergencies only of which I had visited the hospital while XXXX XXXX XXXX XXXX XXXX. Despite having the coverage, I still received thousands of dollars in bills for having a XXXX and visiting the hospital. I found out about a pro bono lawyer XXXX XXXX who was kind enough to fight for my rights and had the 2 cases dropped with no prejudice in no time About 3 months later in XXXX of XXXX another collection amount was added to my credit report without by Snow and Sauerteig without notice and I reached out to explain that I we had already gone through this and had similar charges dismissed with prejudice, I had been overcharged by hospital as a XXXX cardholder and referenced the other two cases asking them to stop doing this to me. At that point I had a moved out of the state XXXXXXXX to XXXX after having my the XXXX XXXX XXXX baby and simply didnt have the time or energy to go back and forth again but Snow and Sauerteig never responded or removed collection from my report.
Consumer complaint received 2022-12-16
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. (IL)

I have fraudulent accounts open on my credit report. I've filed a ftc report and the accounts are still on my credit profile. the following accounts are XXXX XXXX XXXX from XXXX, the other is XXXX XXXX XXXX  from XX/XX/XXXX, and the other account is fnbo from XXXX XXXX these accounts are fraudulent and need to be removed immediately. 
I also have inquiries that are fraudulent as well. please remove them they are listed below with my ftc report.
Consumer complaint received 2022-05-19
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. (TX)

In accordance with the Fair Reporting Act XXXX  accounts : XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX. And all listed inquir

ies 15 USC 1681 Section 602A- I have the right to privacy. 15 USC 1681 Section 604A ( section2 ) - Consumer reporting agencies can not report any accounts with out my written instruction from a consumer.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

in accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 

1.XXXX XXXXXXXX Account # XXXX, has violated my rights. 
2. XXXX XXXX XXXX Account # XXXX has violated my rights 3. XXXX XXXX Account # ( has not listed ) has violated my rights 4. XXXX XXXX Account # XXXX has violated my rights 5. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 6. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. section 604 A. section 2. it also states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-12
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. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OK)

I tried to file this complaint on yesterday and show that before it can even be investigated that it has already been closed by the CFPB. This service come is bad. When I go on line and report to the XXXX there are hundreds of complaints of the poor service they do for the consumer. My complaint is still that they add fees and charges and hold payments for months and then report that you are late to the credit bureaus. This information is not true and I have sent them the factual information.
Consumer complaint received 2023-06-22
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. (IL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

. I have submitted over XXXX letters to your ENHANCED RECOVERY CO L providing the appropriate documentation of this fraudulent account. ENHANCED RECOVERY CO L keeps on adding this account for {$280.00} and a second on for {$870.00} my credit report with different dates and time. 
Also, no information on regards to this supposed account has been provided by your company by mail as previously requested. If it is true that I owe this amount to your collection department you should have documentation supporting your claim. By law I am entitle to recived all evidence being requested in this letter. 

ENHANCED RECOVERY CO L XXXX Collection opened XX/XX/2019 Account type Collection amount {$280.00} ENHANCED RECOVERY CO L sold XXXX of the collections for {$870.00} to XXXX XXXX XXXX. This XXXX companies every month remove this collection because they have no records as to why am I being charged does amounts and after XXXX week of removing they enter the information again. I have sent more than 3 letters to each with no resolution. this people are destroying my credit intentionally and with malice as they are aware of the situation.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.
Consumer complaint received 2023-04-15
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: NAVY FEDERAL CREDIT UNION (MS)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights.

-Under 15 USC 1681 section 602 states I have the right to privacy.

-Under 15 USC 1681 section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions.

-Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am complaining Bank of America as follows ; My local bank " XXXX XXXX Bank '' in XXXX, send a " RECALL OF THE FUNDS '' to Bank of America in XXXX ( copy attached ), however, Bank of America did not response to my local Bank till today. 

See below the refund request sent from my local Bank in XXXX to Bank of America : { XXXX : XXXX } { XXXX : XXXX } { XXXX : { XXXX : XXXX } } { XXXX : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX .... 
. 
IN RELATION TO OUR XXXX REFERENCE XXXX FOR AMOUNT XXXX, VALUE DATE XXXX. 
PLEASE BE ADVISED THAT WE HAVE BEEN CONTACTED BY THE REMITTER FOR THE RECALL OF THE FUNDS. 
HENCE PLEASE CONSIDER THIS AS OUR URGENT REQUEST FOR THE USE OF THE FUNDS AND RETURN THE FUNDS TO US AT EARLIEST. 
. 
FOR ANY FUTURE CORRESPONDENCE RELATED TO THIS CASE PLEASE QUOTE OUR ENQUIRY REFERENCE XXXX. 
RXXXX XXXX XXXX XXXX XXXX XXXX { XXXX : XXXX } { XXXX : XXXX } { XXXX : { XXXX : XXXX } } { XXXX : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX DEPART .... 
. 
IN RELATION TO OUR XXXX REFERENCE XXXX FOR AMOUNT XXXX WITH VALUE DATE XXXX. 
PLEASE BE ADVISED THAT WE HAVE BEEN CONTACTED BY THE REMITTER FOR THE RECALL OF THE FUNDS. 
HENCE PLEASE CONSIDER THIS AS OUR SECOND REQUEST FOR THE USE OF THE FUNDS AND RETURN THE FUNDS TO US AT EARLIEST. 
. 
FOR ANY FUTURE CORRESPONDENCE RELATED TO THIS CASE PLEASE QUOTE OUR ENQUIRY REFERENCE XXXX. 
REGARDS CLIENT SERVICES STANDARD CHARTERED BANK
Consumer complaint received 2022-04-11
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. (NV)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-12
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. (FL)

To whom it may concern, According to my credit report, there was an amount of {$5000.00} fraudulent charge that was committed under my name for XXXX. This started back in XX/XX/2018 and upon finding out I have been in dispute with the 3 Credit Bureaus regarding this fraudulent account since then. It has been over 6 months since I've been fighting this case and the case has yet to close and remove from my credit report. I sent about 9 letters requesting to show proof and informing that this debt was and is not mine, their only response to me is a " generic response '' stating that the debt is indeed mine.
Consumer complaint received 2021-11-12
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)

To whom it may concern, According to my credit report, there was an amount of {$5000.00} fraudulent charge that was committed under my name for XXXX. This started back in XX/XX/2018 and upon finding out I have been in dispute with the XXXX Credit Bureaus regarding this fraudulent account since then. It has been over 6 months since I've been fighting this case and the case has yet to close and remove from my credit report. I sent about 9 letters requesting to show proof and informing that this debt was and is not mine, their only response to me is a " generic response '' stating that the debt is indeed mine.
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery is listed as having a debt in my name. I am requesting this company send me a full outline of charges made. I believe I am a victim of identity theft. I was sick with XXXX  XXXX XXXX XXXX and was taken advantage of while away receiving treatment. Please help me resolve this matter. Im a single mother with a XXXX XXXX child and the XXXX  of this account lingering over my head is really affecting me mentally.
Consumer complaint received 2022-12-16
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. (IL)

I have fraudulent accounts open on my credit report. I've filed a ftc report and the accounts are still on my credit profile. the following accounts are XXXX  XXXX XXXX from XXXX, the other is XXXX XXXX XXXX from XX/XX/XXXX, and the other account is fnbo from XXXX XXXX these accounts are fraudulent and need to be removed immediately. 
I also have inquiries that are fraudulent as well. please remove them they are listed below with my ftc report.
Consumer complaint received 2021-11-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EZ Mortgages, Inc (ID)

During the time in which we were pre-approved for a loan ( the contract was signed on XX/XX/2021 ), and before the end of the loan contingency ( XX/XX/2021 ) ; the mortgage broker was made aware ( by us ) that we had subsequently found that the property ( a two-flat ) could not legally be rented for approximately 1/2 of the year. 

We had completed an application with the broker showing the current ( illegal ) leases provided to us by the sellers as year-round income. We were conditionally approved based on this rental income, but subsequently checked City ordinances and found the leases were not valid. We informed the broker several times that we felt this was materially significant and disqualified us for the loan. The broker told us they could not submit this information to the underwriters/lender and that it could only be discovered through an appraisal, not by the city ordinances. We stated to the broker that the ordinance was determinant on reducing rental income, we asked him to notify the lender/underwriter. He did not. 

The broker never was able to get an appraisal and we could not close on our loan during the determined period and have yet to receive our earnest money ( even though we had a loan contingency ) because the sellers now claim we were not denied a loan. 

We have subsequently found out that we ( through our loan broker ) had an obligation to notify the lender of this change. And that if we failed to disclose material information that altered our status to legitimately obtain a loan, the loan could subsequently be " called. '' We were also informed by the lender that we could not have informed them directly of this material change as the broker was working on our behalf. We have also found out that if this information was given to the underwriters, they would have denied our loan as we would not longer qualify. This denial never came. 

The broker is XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX We have many emails regarding this issue and can submit them if needed.
Consumer complaint received 2022-12-16
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX 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 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
Consumer complaint received 2023-06-22
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. (MI)

im trying to dispute 2 items on my credit report, fraudulent XXXX XXXX and the one 30 day late on my XXXXXXXX XXXX mortgage account.. XXXX will not open a dispute because is was previously disputed im trying to provide them with documentation such as my police report and FTC report they will not investigate my claims.. XXXX is the worst company to deal with all the employees are overseas probably stealing our info and selling it Also including Transunion and XXXX in this, these need to be removed as well from my credit file thanks for your help