davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (ME)

In a letter dated XX/XX/XXXX, SLS informed me that there had been a re-assessment of the escrow account. It stated that my escrow amount would change from {$390.00} in XXXX to XXXX in XXXX. On page 3 of 4 of the letter, it indicates that this was in part due to a yearly property tax of {$6000.00}. I checked my property tax bill for XXXX, which indicated that the property tax from that year was {$3000.00}. 

It appeared to me that in their re-assessment SLS had double counted the property tax. I suspected this because their assessed amount of property tax was exactly double of the actual property tax amount as found in the property tax bill that I received from the town. In addition, I suspected SLS had made this error as they had previously made the same error when they bought the loan from the original lender. 

On XX/XX/XXXX, I spoke to an SLS representative over the phone and explained the error. He informed me that he would forward my request to the tax department. I did not hear from SLS again. On XX/XX/XXXX, I sent a message over SLS website to inquire about the progress of my request. On XX/XX/XXXX, I received the following message from XXXX Teller ID XXXX : Thank you for your inquiry. Out Tax Department confirmed the amounts calculated for disbursment [ sic ] are correct. There is no need for a new analysis calculation as no change has occurred. 

I therefore seek to correct the error through CFPB in this complaint.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have contacted both XXXX and the 3 credit bureaus about the incorrect status of my account and either party has yet to update and correct the information. I was told by XXXX that the information would be corrected with the 3 credit bureaus no later than XX/XX/20. Today is XX/XX/20 and the account status is still showing as as charged off which is incorrect as the account was paid in full. I have submitted payment receipt to the bureaus but have yet to see the account updated.
Consumer complaint received 2021-06-01
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. (LA)

Someone used my social security number for financial gain and personal use to commit fraud and attempted to open up accounts in my name, I will enclose a copy of my identity theft report along with the letters I have sent the Bureau as proof for them to investigate this matter.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CA)

I phoned TJX Mastercard in XX/XX/2020, due to an expected unemployment in the household, which caused a financial hardship to postpone payments. I checked my bank account in XX/XX/2020, and the credit card company withdrew the funds from my account. The credit card company did not honor the deferral of payments. So, on XX/XX/2020, TJX Mastercard informed me they would defer the payment for three months ( XXXX, XXXX, and XX/XX/2020 ) for my inconvenience. On XX/XX/2020, around XXXX I received an email stating my payment was missed for the month of XX/XX/2020 and I was late being charged a late fee. 

My complaint is they didn't honor their word of the deferral of ninety days with no payments, in addition I was charged a late fee. When I asked if they would honor skipping this months payment I was told " Sorry there are no more deferrals. ''
Consumer complaint received 2019-08-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (GA)

I have been trying to get my VOM for Loancare for over a month, I have been assured several times that it would be delivered.  The latest supervisor (XXXX) XXXX   XXXX told me XXXX XXXX today...and to call back if it was not done.  Now, XXXX XXXX and he won't even return my calls - I am a paying customer and do not derve this kind of treatment.  I was told it would be here by noon last Friday by a supervisor, the next one hung up on me, and several customer service reps also because I said I would hold instead of getting a call back another company canned lie.  Why do people want to hold you may ask, because I have put in 10 hours with Loancare since Friday the XXXX!  As of now still do not have the request the customer is asking for...it says complete on their end, yet never received on my end.  A XXXX 12 year old can resend a fax/email  Loancare = XXXX!XXXX XXXX - is just a number to make you feel good - more XXXX!
Consumer complaint received 2021-05-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In XXXX, l opened equity line of credit with Bank of America because I had over XXXX credit scores. At the time of application the property located at XXXX XXXX XXXX XXXX was titled XXXX XXXX XXXX XXXX XXXX XXXX and was approved for $ XXXX equity line of credit ; while the property located at XXXX XXXX XXXX XXXX was titled XXXX XXXX approved for $ XXXX equity line of credit. I was allowed to withdrawals {$25000.00}. Unknowingly, Bank of America staffs fraudulent in Delawares office sold the loan to XXXX XXXX, a private investor in Delaware doing business with Bank of America within XXXX XXXX building. XXXX XXXX the servicing company offered the mortgage and didnt offer me the opportunity to pay the amount owed. Currently, XXXX XXXX is servicer of the HELOC mortgage and demanding a payoff of over {$65000.00}. A payment of over $ XXXX was sent to make the monthly mortgage payment up to date but XXXX XXXX refused the payment and hoping to sell the property in sheriff sale scheduled for XX/XX/XXXX. 
The second property is not currently not current in making payments and the bank has fraudulently changed the title to read XXXX XXXX without my knowledge and refused to provide me with accurate monthly banking statements. Bank of America staffs are so unpredictable. In XXXX when I first filed chapter XXXX bankruptcy. Bank of America closed my savings and business account I opened with the bank since XXXX. I pleaded to reopen the account. My request was denied. It seems the bank is about to do the worst for fraudulently changing the names in the originally deed to my name and stopped to provide me with monthly statements to gain the chance take over the property for non payment. Before now, I once presented settlement offer of {$25000.00} but the offer was refused. I am still willing to make same offer to resolve the mortgage problem. 
Third incident involves XXXX XXXX XXXX and I was asked to service the loan with a signed power of attorney ( POA ). The property is located at XXXX XXXX XXXX XXXX, XXXX. I made efforts to keep the property for the family by engaging in settlement negotiations. Finally, Bank of America obtained judgment and appeal was filed and reconsideration motion was also filed. The bank connived with the Attorney and illegally sold the property without proper procedure. I have not heard from the bank to know if the property was recovered.
Consumer complaint received 2018-07-24
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Performant Financial Corporation (CA)

When the CFPB check my previous and past complaints filed against XXXX XXXX and the XXXX XXXX XXXX XXXX, the information I recently received from a Company calling itself a XXXX XXXX has completely ignored any of the violations, False reporting, fraud, tampering and accounting issues that I was subjected to from these student loan companies. This company calling itself XXXX XXXX XXXX sends out letter after letter requesting full payment of XXXX with a statement " You don't have to break the bank to pay back your student loan. '' My case remains open with XXXX XXXX and I haven't received any updates from XXXX XXXX since XX/XX/XXXX regarding looking into my payment history dating back to XXXX. I have only been informed that the company was still investigating it. I had also requested to be reimbursed for payments that I had made towards a student loan that had been altered/modified by multiple student loan servicing agencies targeting Low Income/Minority students in XXXX California in the Mid XXXX through the early XXXX. My Hardship Chapter XXXX Bankruptcy was ignored, my XXXX XXXX in the late XXXX was rejected and the manipulation, threats, harassment, obscenity and alarming my Employer about this student loan continued for years. This notice for payment is only a continuation of the abuse.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act 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, 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 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CO)

This will be the XXXX attempt to stop XXXX from reporting XXXX closed accounts for the US Department of EducationXXXX and XXXX closed accounts XXXX/Dept of Education on my credit report XXXX These accounts have been closed since XX/XX/2020 and XX/XX/2020, respectively. They do not show as open accounts on XXXX and XXXX which I also explained to them on the forms and in a letter. The impact of having this information displayed on my account as open has kept me from being able to rent/lease a place to live because my credit score is too low ( XXXX ) and it shows reason code : 11 - The total of your delinquent or derogatory account balances is too high. We currently live in a hotel. 
Secondly, I have asked more than 3 times for a duplicate account from XXXX XXXX XXXX XXXX XXXX Colorado to XXXX removed from my credit report. The company charged me twice for the same day of service and the bill was paid in full by my insurance company. They never send any documentation to my email address, they only tell me " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account #. Where is the proof? I have even written XXXX XXXX of Colorado and XXXX XXXX XXXX and neither of them have emailed any verification documents or proof either. 
The information contained on one credit reports should be exact or at least similar in content and XXXX is always different and the worst when it comes to depicting someone's owed or owned debt. I am disputing these items every 3 months, if necessary, until they remove it or until I contact the Office of the Attorney General. I don't want to live in a hotel forever but until they remove the closed accounts for US Department of Education and XXXXDept . of Ed, and the duplicate account for XXXX XXXX XXXX, we will continue to live here because my credit score will never be high enough to rent or lease a place outside of here.
Consumer complaint received 2019-03-27
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. (TX)

On XX/XX/XXXX I sent a letter to Experian, XXXX  and XXXX  disputing XXXX XXXX  on my credit report. XXXX and XXXX removed the account because they were unable to validate the debt. Experian continued to report it. 

XX/XX/XXXX I sent a letter to Experian requesting them to provide me with the method of verification for the XXXX XXXX account. I also sent a letter to XXXX XXXX requesting validation of the account. XXXX was not able to provide me with the proper documentation according to the law. Experian never provided me with the method of verification they used for the account. because it cant be validated.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (FL)

i am a victim of identity theft and filed a complaint with the XXXX on XXXX, my ftc number is XXXX, and requested lj ross & associates XXXXhat the alleged debt of XXXXwas not mine and for them to delete the inaccurate information from my credit report because of this reason. I have attached a copy of my report below for your reference.
Consumer complaint received 2022-07-22
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer : XXXX XXXX XXXX Inquiries XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Employer : XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX EMPLOYER : XXXX XXXX D XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Collections : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-03-27
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. (VA)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XX/XX/XXXXXXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-06-14
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. (AL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX 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 2022-07-22
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer : XXXX XXXX XXXX  Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXXXXXX XXXX XXXX  Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax EMPLOYER : XXXX XXXX D XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OPORTUN FINANCIAL CORPORATION (CA)

Oportune Progreso Financial, sold a paid debt to a collection company and put remarks on my credit report that reflect new activity on a collection paid XX/XX/2019. This has dropped scores significantly and is impacting my ability to purchase a home using FHA loan finacing. 

When I spoke to a representative at Oportune Progreso Financial, he stated no information was available as the debt had been sold to another company. 

When I followed up with the company the debt had been sold to. Their automated system stated XXXX balance was owed. 

I believe the sale of a debt paid in full debt is in violation of the Fair Credit Reporting.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (AR)

I am writing to dispute the late payment reporting on my credit report with your agency. The late payment ( s ) in question were reported during my XXXX forbearance period with Freedom Mortgage. I have enclosed documentation supporting my claim that these payments were not late but were satisfied as part of the forbearance agreement. 
Account Information : Account Number : [ XXXX ] Creditor Name : Freedom Mortgage I entered into a forbearance agreement with Freedom Mortgage due to financial hardships caused by the XXXX XXXX. As per the terms of the forbearance agreement, I made all required payments in a timely manner and fulfilled my obligations under the agreement. There were no late payments during this period. 
Enclosed with this letter are copies of relevant documents, including the forbearance agreement, payment receipts, and any correspondence confirming the satisfaction of the forbearance agreement. These documents clearly show that the late payments reported on my credit report are inaccurate. 
I request that you investigate this matter and update my credit report accordingly to reflect the accurate payment history during the forbearance period. Please provide me with a written response once the investigation is complete and the necessary corrections have been made to my credit report. 
Thank you for your prompt attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at XXXX. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2023 I took a cash advance from an ATM from my account ending in XXXX in the amount of {$2000.00}. Less than two hours later on the same date I made a payment of {$2300.00} to the same account. Bank of America decided to delay the withdraw by one day to XX/XX/2023 therefore applying my {$2300.00} payment towards purchases and not to the cash advance which carries a much higher interest rate. ( This is against Federal Law ) On the same day XX/XX/2023 I took another cash advance in the amount of {$2000.00} with Bank of America with account ending in XXXX. I made a payment of {$2100.00} hours later and it went directly to the cash advance because Bank of America posted the withdraw date on the XXXX of XXXX as it should of been. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I was talking to a woman named XXXX XXXX, whom her email is XXXX. We agreed to exchange money for 2 tickets for a concert, the concert tickets never came through. She suggested for a " friends/family '' transaction through Paypal, and then never sent me the tickets. I tried to dispute this transaction through paypal yet they were of no help at all. I have the emails and conversation showing this transaction.
Consumer complaint received 2022-03-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I asked them to stop calling me and send a letter. The man told me he could continue calling me as much as they want ( about 8 times a day ) and would bring me to court and sue me. Now they've reopened the old account on my credit report and it dropped my credit score.