davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Complainant purchased the residential property in question in XX/XX/XXXX, immediately after which the associated mortgage was acquired by respondent, Fifth Third Bank. Records would show that complainant subsequently issued payment to respondent on or about the first of the month via an automatic bill pay service, with no delinquencies whatsoever. Amidst the sale of this house in XX/XX/XXXX complainant was advised via the Closing Disclosure that respondent was assessing " Late Charges '' against the account. Around this time complainant received a bulletin from respondent stating that " Although we appreciate receiving your XX/XX/XXXX payment of {$1300.00}, your total payment is {$1300.00}. Our records indicate that you should have received an escrow analysis statement showing a monthly payment increase due to an increase in the escrow portion of your payment. '' However, no meaningful notice was actually provided of this subtle impound increase. Complainant contacted respondent by telephone initially on XX/XX/XXXX to request the opportunity to make up the apparent deficit and to request reversal of the related late charges. Respondent 's agent, XXXX, stated she had no record of this letter or any late charges. However, as the closing date for the sale of the property neared, the escrow agent reconfirmed that Fifth Third Bank was continuing to levy late fees, and, because the transaction was formally in escrow with a final payoff having been requested and computed, complainant had no further opportunity to intervene directly. Complainant re-telephoned respondent on XX/XX/XXXX by which the issue was stated to be escalated to the supervisory level, although after a reasonable period of time there has been no response from respondent. Respondent received the {$21.00} " shortfall '' via the payoff. Complainant seeks refund of the {$89.00} late charges asserted.
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 — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

In XX/XX/XXXX TD Bank reported my payment as late due to an error with the representative who applied my mortgage payment to escrow oppose to my monthly mortgage payment. I contacted TD Bank who acknowledged after reviewing my dispute they discovered the error reporting on their end. A letter was sent to me acknowledging the error in XX/XX/XXXX and stated they sent corrected information to the credit reporting agencies. As of today the late inquiry is still on my credit and is causing me issues with getting approval for another mortgage loan.
Consumer complaint received 2022-05-18
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. (TX)

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX  XXXX negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Consumer complaint received 2022-05-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (IL)

Hello, I am XXXX XXXX XXXX and was recovering from XXXX, so I was offered a forbearance plan, then a loan modification with Freedom Mortgage. The final documents were signed and sent via FedEx by me on XX/XX/XXXX. We proceeded to pay the mortgage under the terms of the agreement. 

Initially, I sent the first packet in XX/XX/XXXX. Freedom Mortgage immediately notified me there was an error made by the notary, she signed in the wrong spot. 

I completed new forms and had them notarized, and returned them via XXXX on XX/XX/XXXX. I sent them to Freedom Mortgage, but to their XXXX address vs. the XXXX office. I called regularly to see if it was received in the right office. XXXX tracking confirmed the overnight delivery in XXXX. I was told many things when calling Freedom Mortgage, but ultimately they told me the documents were received at the right location. 

I received a signed lender agreement dated XX/XX/XXXX. This agreement is several pages long, titled LOAN MODIFICATION AGREEMENT, signed and notarized by the Freedom Mortgage underwriter with confirmation the agreement was complete. We paid the mortgage since then under those terms. 

Seven months later, in XX/XX/XXXX, I received a letter and phone call from Freedom Mortgage letting me know they never received signed and notarized documents. They added they are no longer valid, my request for loss mitigation assistance is closed, and I must apply again. 

I have called them many times, each time with a different answer. I recently wrote them through their message center on XX/XX/XXXX and XX/XX/XXXX. They promised a response within three days, which has not been received. I called today and was told the person knew nothing about it, but once he looked into it, said even though Freedom Mortgage signed and notarized the documents they were too late for FHA. They only referred to the first packet sent in XX/XX/XXXX, which was corrected. Never mention of the XXXX submission, or their signed loan modification agreement dated XX/XX/XXXX. 

How can this be my fault? This is heartbreaking.
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 status incorrect
Company: EQUIFAX, INC. (MI)

I have multiple accounts that are reporting on my consumer credit report that is not showing 100 % accuracy this is a violation of the FCRA and I will be seeking litigation for these in accuracies because Ive been fighting these in accuracies over 4 to 5 months also ive been making CFPB reports also contacted the XXXX  and still nothing is coming about my rights being violated
Consumer complaint received 2022-08-30
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. (TN)

On XX/XX/2022 Credit Bureaus reported they did a proper investigation to my XXXX  XXXX account. As you clearly see its missing the months of XXXX. 
If XXXX  XXXX was reporting where are the documents. 
This is hurting my credit/FICO score.
Consumer complaint received 2021-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (CA)

We purchased a house through PRMI ( Primary Residential Mortgage Inc. ) and moved in XX/XX/2020. We have made all mortgage payments in a timely fashion, and noticed about 4 months ago that even though taxes and insurance were paid up to date, the company was holding more than {$8000.00} in escrow. We called to ask about a refund, and were told they would send a check for the full amount. When it did not arrive, we called only to be told they had taken the check back and would re-calculate what they owed us. After nothing of the sort happened, we called and the customer service personnel told us that several notices had been sent to the relevant office regarding our inquiries but no check had been issued. However, our billed payment amount was reduced by about $ XXXX/month. Today, in XXXX, the payment we have been making still stands at the reduced amount for the third month, at {$1100.00}, and the amount held in escrow is stated as {$9900.00}. We want the excess amount over taxes and insurance to be returned to us, have asked for that repeatedly over four months, and most recently have been told that the calculation would have taken place early this week, but we've heard nothing. We are evaluating moving our mortgage to a different company, but of course there will be additional costs. At our ages, late XXXXs, we have to carefully consider the cost of any move other than a complaint. No one with any authority at PRMI has ever responded to this issue despite repeated appeals from the people in Customer Service, who have no authority to resolve it.
Consumer complaint received 2022-12-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc. (MO)

U.S.C. 1681 ( 7 ) 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 sc ( 6 ) ( BY ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number Please send the following information used to validate the validity of the invalidated items below ( dismote alter and explan The name of the original creditor The creditors address and telephone number The person 's name they verified the dispute Also. the procedures vour company have in place to ensure each account is 100 % corect which i doubt. 
IF YOU CAN'T PROVE I YOU MUST REMOVE IT OR PAY 1000 per VIOLATIN YOU ARE COMMITING.

In accordance with FCRA, 15 U.S. Code 1681e ( b ) Compiance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be under 15 U.S.

16810 Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I wil have no choice but to exercise my nght under FRCA and pursue legal action.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alpine Credit, Inc (CO)

Alpine Credit has reported a balance of {$59.00} on all ( 3 ) of my Credit Reports. I had owed XXXX XXXX XXXX and they were actually overpaid. Now, they owe me money as I paid them {$70.00}. I disputed this with all ( 3 ) Reporting Agencies and it was only removed from XXXX. When disputed with XXXX, Alpine stated to XXXX that as of XX/XX/19, I still owe {$59.00} which is incorrect. I then contacted Alpine Credit and sent them proof that this was paid to the servicer and that they need to remove this incorrect information from my report immediately and have had no response. If this isn't removed, I will contact an attorney and see what I can do about their false reporting.
Consumer complaint received 2022-12-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (PA)

I have a active sale for the property in place and I have been given the run around trying to receive a payoff for settlement which is this Wednesday coming XX/XX/2022 at XXXX XXXX. I have called numerous time and was told, oh just have your agent to call that day, its to early for a payoff etc. Finally yesterday I was able to get someone to agree to send a payoff but they said it would now take XXXX business days. XXXX business days exceeds the time of when settlement will take place. My PA real estate agent has called as I have her listed on file with the mortgage company her name is XXXX XXXX, still we can not even get a verbal payoff. 
If we dont get help before next Wednesday, the deal will be lost and then I will lose my home to foreclosure. Its almost like the mortgage company wishes for my home to proceed to foreclosure, so that they can reap the benefits of destroying my life and taking a profit in for themselves. Please please help me!
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

On XX/XX/2022 I reported that both my credit cards with Bank of America ( XXXX and XXXX card ) were hacked and all the money was transferred from them ( {$38000.00} ) to my checking account in XXXX bank ( Which i have filed a complain about recently ) then all my money from my checking account in XXXX bank ( total of {$66000.00}, including the {$38000.00} from bank of America credit cards ) was hacked and transferred to the XXXX XXXXXXXX XXXX  XXXX XXXX to company called XXXX XXXX XXXX XXXX. 

As soon as i realized that I called bank of America and I closed both of my credit cards. BoA did temporarily credit the {$38000.00} until the investigation ends. 

Today the BOA sent me a notification that the investigation has ended and that the bank was not able to get the money back and thus they are asking me to pay the {$38000.00} of scammed money back to them although the credit cards a re secured with FDIC.
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: Resurgent Capital Services L.P. (MD)

XXXX XXXX, the original creditor, sent me a letter stating that they performed an investigation and found that I am not responsible for any previous or further balance on any accounts with their company. The accounts ( 2 of them ) associated with XXXX XXXX were not opened by me yet they are both showing up as collections on all 3 credit reports and still being reported by the 2 debt buyers ( XXXX XXXX & LVNV FUNDING LLC ). Neither should be there ( ever ) and I'd like them REMOVED ASAP! Not showing as " closed '', not as " collections '' - all traces REMOVED COMPLETELY! I will attach the letter from XXXX XXXX admonishing me from all responsibility on these accounts.
Consumer complaint received 2022-08-30
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. (CA)

This is NOT a Duplicate Report and this is NOT submitted by a 3rd party. In accordance with the Fair Credit Reporting act XXXX these accounts below 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. 1. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. XXXX ( XXXX XXXX : XXXX XXXX XXXX  ) Account Number : XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX. Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. Account Name : XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE CLOSE end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-18
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. (PA)

I received a copy of my credit report and I have found the following accounts listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE CLOSE end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2006 XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/20XXXX XXXX XXXX  XXXX XXXX : {$0.00}
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (NY)

Company repeatedly contacts for XXXX business debts, with a different name than mine. Likely whoever owes the debt used my phone number. Multiple calls in a week, sometimes multiple per day. Screenshot included does not include all calls, as the number was blocked after the XXXX  call. I have asked them to remove me from their records but they asked for my information, likely phishing, which I refused to give.
Consumer complaint received 2022-05-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERIS BANCORP (GA)

I applied for a mortgage in XX/XX/XXXX with Ameris Bank. Ameris Bank and these other companies, XXXX, XXXX XXXX and XXXX XXXX repeatedly ran my credit report without my permission. I believe XXXX XXXX is associated with Ameris Bank. Now I have no less than 7 inquiries from these companies on my credit report. Ameris told me 3 times that I have the loan, but in the end in XX/XX/XXXX, denied me the loan. I do not understand why they ran my credit so many times. I believe these repeated inquiries are fraudulent and should be removed as they are now preventing me access to credit. I did not give my permission.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I found out on XX/XX/2021 capital one charge on my report. This is fraud charge. I never opened any accounts with capital one. I called them and sent letter to them back on XX/XX/2021 to advised them it's a fraud. I still have not heard from them yet.
Consumer complaint received 2021-03-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX I sent a letter to the credit bureau in regards to items on my credit report that were inaccurate. It has been over 30 days and I still have not received a response and it has been a huge burden for me effecting my ability to apply for loans, both personal and for my business. According to the law I should have received a response to my disputes by now or the items should have been deleted/updated. I checked my credit score again a few days ago and the same items I disputed remain on my report and have not been updated. Some of the items on the credit report show late payments that I was not aware of. I take paying my bills on time very seriously. As I mentioned, I am a XXXX XXXX  and COVID-19 has affected my XXXX and ultimately affected my finances. To my understanding the CARES Act went in to effect in XX/XX/XXXX and was suppose to protect individuals like myself from creditors reporting late payments on my credit report. The credit bureau can review my credit report and see that I have always paid my debt on time if not early prior to Covid 19. My credit report shows that I was never late until Covid -19 took the world by storm. To date, even with Covid-19 still lingering I have made every effort to make my payments on time. The credit bureau should have not put " late payments '' on my credit report per the CARES Act, it has effected my credit score greatly.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO Bank, N.A. (NJ)

I received a statement in the mail from BMO Harris in XXXX. I called immediately. Spoke to person who said account would be closed and details forwarded to their fraud department. I also filed a report with XXXX. I assumed everything was taken care of until I just received another statement and discovered there is also a checking account. I did not authorize either account. I have spent over 3 hours on hold and being transferred around trying to resolve this issue with the bank. I believe that the account may have been opened by an employee of BMO Harris fraudulently to gain incentives. 
Thank you for looking into this problem
Consumer complaint received 2022-05-18
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. (PA)

I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$240.00}