davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Good afternoon, I have been submitting over 20 dispute letters in the past two years to experience. Not once were they able to comply with the regulations and remove the falsely reported Bank of America account on my credit. I have attached every response letter I was able to find where you can clearly see that not once were they removing this account. I have been extremely patient and follow the regulations of the 609 law that protects my rights. 
However XX/XX/XXXX failed over two years to remove a single account. This is why I refuse To communicate with experience in order to resolve the issue and have been addressing CFDP in order to assist me with this matter. If you need any additional information please let me know. This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) 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 of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 30 days allowed. As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. Account # Bank of America
Consumer complaint received 2019-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

I have a loan with Bayview XXXX. By their numbers ( which are incorrect ) I owe about {$13000.00} in real estate taxes and {$2000.00} for insurance ( annually ). This is roughly {$16000.00} per year. 

They have been deducting {$1700.00} monthly for escrow which totals about {$21000.00} annually. After paying all taxes and insurance this year there was a remaining {$2000.00} ( roughly ) in my account. This actually means there will be {$23000.00} ( roughly ) in the account to pay {$16000.00} in taxes and insurance next year. This is an overage of roughly {$7200.00}. 

Since XX/XX/2019 I have been requesting a total escrow report. As of date, I have not received one. Further, since this date, I have requested the escrow be reduced given they are rolling over thousands of dollars. I was notified today that they will reduce payment rough {$200.00} per month or {$2400.00} annually. This reduction falls about {$5000.00} short of what is actually needed. I have been with Bayview XXXX for 2-years and escrow payments have gone up about {$800.00} per month since they took over the loan. 

My complaint is Bayview XXXX has negated payment reduction for 6 months ( since they want to put reductions in for XX/XX/XXXX payment ) and are charging exorbitant unwarranted escrow fees. Also noted is there has been a tax reduction on this property, not a real estate tax increase. Further, I am XXXX this year and real estate taxes are frozen in XXXX County for seniors. There is no justifiable reason for these fees given there are no increases anticipated.
Consumer complaint received 2024-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (PA)

Newrez mortgage notified me that the XXXX XXXXXXXX XXXX had expired and threatened to charge me for insurance. I sent proof of insurance and l received notice lender insurance was cancelled as of XXXX XXXX dated XXXX XXXX. However Newrez charged me XXXX for insurance for XXXX which I refused to pay. They also started to charge XXXX per month for escrow for taxes and insurance which Irefused to pay since I paid my taxes and insurance for XXXX yrs. I made my full payment that I made for XXXX yrs., but they were unapplied XX/XX/12 XX/XX/12, because Newrez said they were partial payments because of their charges. They said theywould make a credit report and sent me foreclosure information
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2021-10-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A. (PA)

Within the past few weeks I took a personal loan at 9.99 %. This rate included a quarter percentage discount so as long as there was an auto pay set up. For money management reasons, I wanted to change the account the auto pay was on and called the bank to see how to do this. I was walked through the process but was never told that by changing the account that I would lose my quarter percentage point deduction. When I saw that my rate changed to 10.24 % I called to get this fixed and was told that auto pay is not the same as an automatic deduction. Word play essentially. They would not give me my discount back even though I set up the auto pay. This is a low level tactic to use word play and say its one thing but not another. There is no way to get an automatic deduction on the website. I feel mislead and taken advantage of. 
Dont take a personal loan from PNC . If you change how you want to pay they will take your discounts away.
Consumer complaint received 2022-07-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (AZ)

I have had some financial issues from XXXX. I was on a forbearance that ended on XX/XX/2022. On XX/XX/2022 I received a email that I was approved for a forbearance but on the phone the agents say that is wrong. ( Email attached ) In XXXX I applied for my state 's HAF help. Since then the state has requested the information from my mortgage company 's loan servicer multiple times. I have called loancare probably 30 times over the past months. They are not responding to the state. Loancare 's internal HAF processing department has done nothing. I call and call and the customer service reps email them asking for an update. Nothing. They escalate it ( Whatever that means ). Nothing. No response. Meanwhile I get threatening phone calls and letters. They are the ones we are waiting on. They need to verify the information the state requested of them so this can be processed. 

They have been notified MANY times that I applied for the HAF ( Phone calls and email ). I get no where with them. Meanwhile they started reporting negatively on my credit report, which I believe is illegal when I am working with HAF and on a forbearance per the email XXXX.
Consumer complaint received 2020-06-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (IA)

On the XX/XX/2020, I closed on a VA Mortgage Refinance with Pentagon Federal Credit Union. As part of the closing costs for the refinance, there was a {$28.00} Water Quality Well Inspection fee that was collected to pay the testing lab, XXXX XXXX XXXX. I have received two bills from XXXX XXXX XXXX. I contacted the PENFED Loan Processor, Ms. XXXX XXXX on XX/XX/XXXX after receiving two bill invoices from XXXX XXXX XXXX and told her that the bill had not been paid from the closing costs. She informed me that she would turn it over to her closing manager and that was the last I had heard from PENFED and Ms. XXXX. When I called XXXX XXXX XXXX on XX/XX/XXXX, the bill still has not been paid. I attempted to contact Ms. XXXX, but she would not return my call or email. I sent a {$28.00} Check to XXXX XXXX XXXX to pay the bill, because I did not want it to go into collection and impact my credit rating.
Consumer complaint received 2022-07-21
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. (MI)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2022-08-25
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: Bread Financial Holdings, Inc. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 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. (NY)

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 with my written instructions.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 with my written instructions.
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Corp Solutions Inc. (TX)

There is NO verification of debt. Or that this debt even belongs to ME its reporting as collection on my credit report. This is causing me to no be approved for things its disturbing my lifestyle. I have reported this account several times as fraud. The constant phone calls, text messages, voicemails are completely out of hand every single day, all day LITERALLY. I have had ENOUGH. There are so many laws and violations that's happening I'm not going to sit back and keep letting this XXXX keep happening to me.
Consumer complaint received 2022-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (OR)

Today I checked my credit report on XX/XX/2022 because I got a email Alert stating I have a new collection account via XXXX. I opened my XXXX account to find a fraudulent collection account being reported on my credit file which is totally not mine. I called the original creditor " XXXX XXXX XXXX XXXX '' And they stated they don't have my info within in their database. I quickly froze my XXXX account so no more fraudulent activity would take place.
Consumer complaint received 2021-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America Acct # XXXX Date Opened XX/XX/2017 I've already submitted a CFPB complaint and received a response from you that was vague and it did not investigate the following request ...., I need the following information from you for my records : 1. 1099C 2. Take down letter 3. Finance insurance paperwork 4. And let me know if there was a finance charge. 

If no such proof is provided within 14 days from receipt of this notice, I demand deletion of this account from my consumer report profile. 

I also received an email from XXXX XXXX XXXX saying that I owe them {$3700.00}. This is inaccurate information if the above debt collector has already paid for the debt. 

Between these two accounts you are reporting inaccurate information and the two accounts should not be reporting a balance. 

According to the law I demand this account be deleted.
Consumer complaint received 2022-07-21
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. (DE)

In accordance with Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX Amount- {$700.00}, XXXX XXXX XXXX Account XXXX XXXX Amount- {$360.00}, XXXX XXXX XXXX XXXX Account # XXXX Amount- {$440.00} 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 2022-06-14
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act, XXXX has violated my rights under the law 15 U.S.C 1681 Section 602A - I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604A ... .Section 2 - A consumer reporting agency can not furnish an account without my written instructions. The following account numbers have violated my rights under the law 15 U.S.C 1681 Section 602A and 15 U.S.C. 1681 Section 604A : Collections Accounts : XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-07-21
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account Numbers : XXXX with XXXX & Account Number : XXXX has violated my rights with collections/Charge offs In accordance with the Fair Credit Reporting act XXXX, I have 3 negative inquiries that have violated my rights the name follows as XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (OH)

Chrysler capital was a leased vehicle, the car was turned in XXXX XXXX and all balances was paid off. On credit report it shows the account still open in good standing with a monthly payment.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Capital XXXX is purposely inaccurately reporting to consumer reporting agencies and bureaus after I requested validation of debt for account for {$440.00}. XXXX XXXX is reporting the following information : Date of last activity, Date reported, Date Account Opened, Last Payment. I have disputed this with the credit bureaus and XXXX XXXX has validated the debt with the credit bureaus and purposely neglected providing me with proper validation informatio.
Consumer complaint received 2022-06-14
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)

I submitted a theft affidavit and police report in regards to fraudulent accounts and the accounts were not removed and blocked. I did this on more than one occasion. This is a violation of the FCRA. 

THE ACCOUNTS ARE : XXXX XXXX  XXXX XXXX  MY ADDRESS IS INCORRECT. IT SHOULD BE XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX AS MY ID SHOWS XXXX
Consumer complaint received 2018-04-26
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. (FL)

Since few days ago I received several calls to my mobile phone XXXX which I thought were a scam trying to collect debt. I got worried and ( yesterday XX/XX/XXXX ) I checked my credit score and to my surprise I discovered that my credit is lower than usual ; after spending a lot of time trying to figure out why this was happening I discovered the reason. I have become a victim of Identify theft!. I never authorized nor have any knowledge regarding that account which was opened on XX/XX/XXXX ( 9 mos ) and then closed on XX/XX/XXXX with an outstanding balance of {$1000.00}. The first thing I did the same day I discovered this problem XX/XX/XXXX was to contact the bank and open an investigation with them ( the investigation # is XXXX ). Also I have open an investigation with the 3 credit bureaus. Also I froze my credit report with XXXX. Today XX/XX/XXXX I have contacted you also asking for help fixing this problem that is ruining my excellent credit history! 

ABOVE THE AMOUNT PAID is the dollar amount put on that credit card {$1000.00}.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My wallet stolen was stolen and my I have experienced identity theft. Someone used my information to make a fraudulent inquiry. I would like the inquiry to be removed off of my credit report. The inquiry is XXXX XXXX XX/XX/2021 XX/XX/2021
Consumer complaint received 2021-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivables Performance Management, LLC (CA)

Calls almost everyday, debt removed from credit report because it was not a valid charge. Debt collector keeps calling even though XXXX has reversed the charges because I didnt owe for the bill