davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XX/XX/XXXX, I purchased a two family home in XXXX, MA ( XXXX XXXX XXXX ; XXXX, MA XXXX ). The primary mortgage was in the amount of {$300000.00} and the second mortgage was in the amount of {$75000.00}. While my debt was owned/serviced by Bank of America ( hereafter, " BofA '' ), I qualified for HAMP  modifications due to unexpected and unforeseen costs associated with the property. 

The primary mortgage was eventually assigned to XXXX in XX/XX/XXXX, which assigned it to XXXX in XX/XX/XXXX. This mortgage is current. 

The second mortgage was extinguished through a modification in XX/XX/XXXX but BofA never filed the lien release. BofA has, however, has reported the account as " paid/closed '' /satisfactory since XX/XX/XXXX ( documentation provided ). 

Pursuant to a HELOC application with another lender, XXXX XXXX, a title search turned up the existing second mortgage lien. Since XX/XX/XXXX, I have been unable to successfully get BofA to commit to remedying. Although he is my assigned point person, I am not able to reach XXXX XXXX ( his calls always go to voicemail ). I was able to finally speak to him once on XX/XX/XXXX, at which time he indicated that BofA was researching whether the loan was a 'charge off ' ( though it was modified and reported to the agencies as such ( paid/closed ) for close to 8 years ). He indicated that it could take an additional 15 days to complete the investigatory process. XXXX XXXX wrote on XX/XX/XXXX to identify herself as the point of contact, although XXXX XXXX had stated an hour earlier that he was the point of contact. I do n't have much confidence that my case is not caught in a bureaucratic black hole. 

Given that this account was closed in XX/XX/XXXX, more than 7 years ago, that BofA is not remedying the situation immediately is exceedingly problematic. 

The case is indexed with the following internal BofA commit number : XXXX My details : XXXX XXXX ; XXXX ; Property Address : XXXX XXXX XXXX ; XXXX, MA XXXX ; Phone XXXX
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MD)

delinquent account listed on my credit report by credit agency Experian that is not mine. Experian stated it was verified to be mine from an apartment complex in XX/XX/XXXX in XXXX Md whereas I have resided and currently reside still at same address in XXXX XXXX Md since XX/XX/XXXX. I asked to be provided with documentation supporting their findings such as my signature in agreement with account and i have not been provided with any support from Experian
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (OK)

I see on my credit report that XXXX XXXX is attempting to collect a debt that I've asked them multiple times to validate. They have failed to do so. I also received via mail from XXXX that they were attempting to collect a debt and the debt should be paid to them with a discounted offer. This is a violation of my rights 15 USC 1692e. The amount shown on my credit report is XXXX and XXXX and I have never done business with neither one of these companies nor have they been able to provide a contract. At the time the debt was initiated I was married and didn't even have the last name XXXX.
Consumer complaint received 2017-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TX)

The end of XX/XX/XXXXI called Wells Fargo Customer service to inquire about how to payoff my cash advances that were made on XX/XX/XXXX and XX/XX/XXXX. The rep told me as long as I paid by my due date which is on the 9th of the month the total cash amount plus my min pay that it would be paid off. Obviously this did not happen. I paid a total of {$3100.00} and it posted on my account on XX/XX/XXXX.

I received my statement around the XX/XX/XXXX and I realized that I had an interest charge for cash advances of {$25.00} on my account then i saw that my available cash for an advance was not showing all was available. It was showing i still owed approx {$1100.00} towards my cash advance. I called Wells Fargo on the XX/XX/XXXX and was told that they would request for {$3000.00} to be refunded back to my checking account they will keep. {$15.00} for the minimum payment so I would n't be charged a late fee. That request was denied with no reason why. I called back XX/XX/XXXX and a supervisor resubmitted again to get the refund and put in for the cash advance interest charge to be removed. I check my account 2 days later and the refund for the interest was put back but still no refund of {$3000.00}. The whole reason for the refund is so I can pay the {$3000.00} and for all of it to go towards the cash advance. Still no resolution on if and when I will get my money back. Then today XX/XX/XXXX I was informed that no matter what that according to the terms and conditions that any extra money over my minimum payment first was applied to the outstanding balance which was purchase at a 12 % interest which was {$1000.00} approx and after that balance was paid the rest went towards the cash advance. I do  not see how this is leg at based on the credit card act of 2009.
Consumer complaint received 2021-09-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (VA)

OCWEN performed illegal actions in line with the definition of a predatory lending institution. Our 1st and 2nd Mortage were both bought out by Ocwen XXXX by companies that had gone bankrupt LItton/GMAC. We received false documents stating our loans were late, in danger of foreclosure, and payments programs were no longer being honored. After being denied for a HARP refinace program since our loans were current, we signed a Loan Modification Equity Share ( XXXX ) in distress as Ocwen was placing our split payments into a forbearance account and not crediting them to our balance which caused us to enter an Equity Share program for our 1st Mortage to avoid foreclosure.

Ocwen stated our refinanced balance was $ XXXX and we would owe 25 % of all future equity above $ XXXX when we sell or refinance of our house. OCWEN deferred the balance of our refinance agreement to $ XXXX increasing their value of the equity share from $ XXXX to $ XXXX since our payoff is now based on an appraised value of $ XXXX. 

Ocwen also breach the contract with our 2nd Mortgage when they took over our loan from GMAC which part of an Equity Acceleration program making bi-weekly payments which OCWEN acknowledge based on continuation of the payment agreement. OCWEN performed unauthorized transactions from our XXXX XXXX XXXX account outside of the agreed upon dates in XXXX which forced us to cancel our XXXX XXXX XXXX Account and terminate their ability to make random auto drafts without our authorization. OCWEN then changed their name after multiple Class Action Lawsuits when created PHHXXXX to service our loans, bouncing the 1st and 2nd Mortgages between to the two entities and continuing to send us false statement stating our accounts are behind. 

We are unable to refinance or purchase a new home without penalty as OCWEN is using tactics that they have already been deemed as guilty in previous court cases.
Consumer complaint received 2019-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This account was previously disputed directly with the collection agency. This account has been sold 3 times to different collection agencies. I asked the Collector to give me proof of this debt, ownership, right to collect, and some other details about the collection and no response was received. Please note letter will be attached, collection agency never complied to it and they should remove my file and cease all collection info furnished to credit bureaus. Agency is in violation of the FTC and FDCPA by not complying.
Consumer complaint received 2017-09-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Santander Consumer USA Holdings Inc. (GA)

On XXXX XXXX, XXXX a payoff posted to my account in the amount of XXXX from XXXX XXXX from the trade of the XXXX XXXX. That was the payoff amount that I received from the system. The account was closed as well. For some reason I decided to login my account and say that it had been reopened with a balance of XXXX due on XXXX XXXX, XXXX. Lets keep in mind that I do n't have this vehicle anymore and it was paid off because I received another vehicle. 

I called in about a week ago and in the notes they put that payment was applied incorrectly and that it was reapplied. Then something was noted about a returned payment from XXXX months ago. I do n't know how that is possible. What I do know is that no extra money had been put in my bank account and no payment was returned. In addition, XXXX XXXX Sent me a refund of about XXXX on a refund card that I received in the mail the weekend of XXXX XXXX. 

I need this rectified immediately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have an open charge off on my report that has since run its term. The account is with XXXX XXXX XXXX. The amount is approx {$2200.00} and it was charged off on XX/XX/2013. It has run its time of 7 years and needs to be removed.
Consumer complaint received 2019-11-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (OK)

I sent a letter to COMMON WEALTH FINANCIAL SERVICES in early XX/XX/XXXX requesting validation debt being reported on my XXXX  credit report as : COMMON WEALTH FINANCIAL SERVICES. Original Creditor Name : XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$2500.00} Amount : {$550.00} Status Date : XX/XX/XXXX Status : UNPAID. Account Number :  XXXX. They responded to my letter on XX/XX/XXXX with a letter that clearly violates my rights. COMMON WEALTH FINANCIAL SERVICES Did NOT comply with any aspect of HIPAA standards and provisions detailed in detailed in 45 CFR Parts 160, 162. COMMON WEALTH FINANCIAL SERVICES did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.
Consumer complaint received 2019-11-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NJ)

on XXXX amount of XXXX was sent to XXXX but account number when entered was wrong despite given the copy of check again approached the bank on XXXX they again resend the money but again wrong account number they are not ready to listen and harrasing by delaying correction
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Affirm Holdings, Inc (OH)

A Company by the name of Affirm has my email address and cell phone number. They call everyday stating I owe an amount of {$130.00}. Someone at the company stated it would be turned over to the investigator to look into the matter. Every time they call me, I state I did not open an account with your company. As early as today, someone from the company stated well it's in your name and you are responsible to pay this bill it is 30 days overdue. I stated I will not be paying this bill because I did not open the account to begin with. He stated it's your name and email, you will be held responsible for the bill. I asked the guy would he like to have this conversation with my attorney because I did not open an account with your company.
Consumer complaint received 2022-12-14
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This credit card debt was discharged in a XXXX  XXXX Bankruptcy and was successfully discharged in that Bankruptcy. I used an attorney at the time to handle everything, and we confirmed at the time everything was included and discharged, and that nothing was forgotten. This was a major debt of the bankruptcy, so obviously it was included. You can tell by the AGE/DATE of the debt, and the DATE of the XXXX  XXXX Bankruptcy filing that it was OBVIOUSLY included in the Bankruptcy, but they keep fighting for it telling the Credit Bureaus that it is a valid debt when it isn't. It was part of the driving force to achieve this debt relief when the decision was made to file the bankruptcy. DATES DON'T LIE.
Consumer complaint received 2021-07-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

On all three credit reports dated from XX/XX/XXXX SPS is reporting that I have a conventional mortgage loan. It was updated XX/XX/XXXX that I owe XXXX and I am scheduled to pay {$1700.00} monthly. I have not applied for a loan and I don't want this on my credit report. I have a mortgage that is being serviced by SPS and I am paying {$220.00} each month and it is current. This information is very misleading and wrong.. Please remove this from my credit. I have a balance of {$2.00}, XXXX or less due. I disputed with XXXX  but nothing happened account number XXXX. XXXX file number XXXX, dated XX/XX/XXXX. Thank you
Consumer complaint received 2022-09-09
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: ERC (GA)

In accordance with the Fair Credit act ENHANCED RECOVERY COMPANY 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 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 2019-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

XXXX went bankrupt. Loancare LLC took over the loan in XX/XX/2019. I was making automatic Bill Pay payments with XXXX XXXX XXXX and two payments were made using the old XXXX account number before I changed the account number with Bill Pay when I found out the new information and new loan number from Loan Care in XX/XX/2019. The XXXX payment went through fine despite the wrong account number on the check. Loan Care is  saying they never received the XXXX payment but the money was withdrawn by LoanCare in XXXX. I have made at least 10 phone calls to try to resolve this and have sent proof of payment numerous time. I was even on a conference call with XXXX XXXX XXXX and LoanCare at which point XXXX XXXX  XXXX sent over a Payment Transmittal Form. I have uploaded the form as well and emailed it several times. I have enclosed it to this form. I just received a call today saying I am behind on my payments. Which I am not. XX/XX/2019 payment : {$2300.00} Last call : XX/XX/XXXX Ticket number : XXXX
Consumer complaint received 2022-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (OH)

I had resolved a medical debt in XX/XX/XXXX in the amount of ~ {$2000.00} for an emergency room visit in XX/XX/XXXX. A company by the name XXXX XXXX contacted me in XX/XX/XXXX, nearly a year and a half after the debt had been settled, stating they purchased my contract from MediCredit and that money was still owed. Evidence was provided of the settled debt and a letter was received approximately one month later stating the provided evidence was still under review. ~60 days after the evidence was provided I received an email notification reporting my credit score had dropped 30 points due to a major derogatory debt. XXXX did not communicate with me in any way of their research results outside of the notification that they were still reviewing. I contacted XXXX and they referred me to their customer advocacy team to help resolve. Ive called the provided number and left voicemails numerous times over the course of the last 2 weeks and have not yet received a response. The actions of this company have caused not only stress and frustration, but real life consequences that will affect me and my family in the years to come. Hopefully this submission will help shed light on the broken processes within their organization, lack of customer support, and potentially help mitigate future risks of other individuals and families that may be impacted by this companys incompetence.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable  proof, you must remove the accounts listed below. XXXXXXXX  XXXX  XXXX****, XXXX  XXXX**, XXXX  
XXXX****, XXXX XXXX XXXX**** , XXXX  XXXX   XXXX****and XXXX  XXXX  XXXX****
Consumer complaint received 2017-09-30
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 (TX)

ID THEFT VICTIM SENT TO HPD # XXXX CASE NUMBER VIOLATES MY CRA RIGHTS, HIPPA I 'VE SENT THEM THE REPORT AND XXXX XXXX NUMBER WHERE THEY CAN VERIFY IT ... ...
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2020-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (NY)

Company involved in the case : 1. XXXX XXXX 2. Aldous And Associates ( XXXX ), I noticed after opening my XXXX XXXX credit report a collection from the above companies amount of XXXX dollars which was opened on XX/XX/2019. i didnt receive any calls nor any mails. 

I immediately called XXXX XXXX to solve this problem, even though i have no clue of the charge, i paid it off since its effecting my credit. 

Its been a long time and the collection is on my report.
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (DC)

On XX/XX/XXXX, I enrolled in an American Express Offers offer to earn XXXX Membership Rewards points for spending at least {$300.00} at a XXXX property on my Amex EveryDay card. On XX/XX/2018, I spent {$660.00} on my Amex EveryDay card at a XXXX property. Amex confirmed that the XXXX bonus MR points would post after my next statement closes on XX/XX/XXXX ( see attached screenshot of conversation ). That statement closed and the bonus points have not posted. I followed up with Amex customer service via chat on XX/XX/XXXX, and was told the points show as awarded, but not posted and they are refusing to do anything to have them posted to my account.