davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My Mortgage closed in XXXX with XXXX XXXX of New Jersey. It was then bought by Countrywide Mortgage that is Now Bank of America Mortgage. The loan amount was {$100000.00}. 

In or around XXXX, Countrywide used a predatory lending practice on my account by refusing my payments. I contacted the company to rectify the issue and they were forcing me to loose my house. Because of my family situation, I couldn't allow to loose my house. I provided them we that information. They used the information against me and put more pressure that I am going to loose my house. While contacting higher in their organizational hierarchy, they contacted my e-mail provider and requested for my e-mail to be shut down and it happened. 

I continue corresponding with a snail mail. After long negotiation, we agreed that I pay the arrears and they will put my account current and continue with the mortgage. I paid the sum of more than {$8500.00} to get my account current and I paid for 2 years above the normal payments needed to rectify the issue. 

Instead of honoring the agreement the company added {$19000.00} to the principal. That brought the principal to {$120000.00} from {$100000.00} and they took my {$8500.00} and did not show where it was applied to in my account. 

Again, with a family of XXXX and wanting to make sure that the standard of living does not deteriorate, I contacted and informed they company of the problems with positive solution. 
When Countrywide Mortgage failed and Bank of America took over, I contacted Bank of America about the ordeal. There were few exchanges and no proper solution. This has been going on all the time.

I have tried to refinance my mortgages more than 4 times, including with Bank of America itself, and every time I try the predatory practice that was put in place by Countrywide now Bank of America would cause my loan to be rejected and I could not refinance.

About two month ago, I contacted the company ( Bank of America Mortgage ) again for solution. They replied twice and stop replying to my correspondence.
Consumer complaint received 2017-09-21
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NJ)

I applied for a reverse mortgage with LoanDepot. Initial loan asked was $ XXXX with a valuation of the property at $ XXXX. Later, when prompted by the agent, we checked the property estimate on XXXX and upped the estimated value to $ XXXX. I paid a {$420.00} appraisal fee and {$10.00} credit check fee. However, after the loan was tentatively approved and appraisal done, I was informed that the appraisal amount was indeed $ XXXX so the maximum I can loan is $ XXXX ( XXXX % ). I was then told the loan amount was less than the minimum loan amount LoanDepot was willing to lend ( $ XXXX ). This should have been communicated to me at the start of the process, not after fees are paid. I explored options with other lenders with lower limits and asked LoanDepot to transfer the appraisal to XXXX XXXX which LoanDepot refused. XXXX XXXX therefore had to order a new appraisal at additional cost to me.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OK)

This has been going on for over 6 months, I attempt to use the card and they will not allow me to use it on the most recent purchases made XX/XX/2021 Total {$860.00} and XX/XX/2021 Total {$120.00}. The second order # XXXX, they cancelled 2 days after I made the order. This lack of access to my account of has caused me to lose out on {$50.00} in Macy 's as well as my Platinum status with the card which is also a loss of benefits. A representative placed a hold on my account without notification and restricted my account use and I have lost access to {$2500.00} in my available credit. When questioned, they refuse to tell me who placed the hold and when. They have cancelled over 7 orders in the last year totally {$1500.00}. Additionally, they have requested I give them the password to my account to representatives in the XXXX ( which is not advised as a XXXX XXXX XXXX XXXX ). They apologize but will not restore my Platinum status or give me the {$50.00} in funds to shop with that I lost on.
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

My name is XXXX XXXX and i reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I noticed on my credit report address in XXXX. I never lived in XXXX just XXXX and XXXX XXXX XXXX. Please delete any and all XXXX addresses from my credit file.
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Dear CFPB, I am submitting a 3rd request for deletion and removal of bankrupticies on my credit report from the following. 
XXXX XXXX Nevada XXXX Alabama Due to the follwing reasons i have researched and contacted the FCRA to get involved. My findings are as followed. 
1. There are no accounts on my credit report that shows ( Included in Bankruptcy ).

2. I have no negative reporting accounts on my credit file.

3. There has to be creditors to include in Bankruptcy. I have none.

4. I called both courts and they advised they do not give out information to 3rd parties.

4. Bankrupties were verified thru 3rd party XXXX XXXX.

5. How can you report inaccurate information, where are the creditors that were included in both bankruptcy? 
There is nothing on my credit reports that shows proof of any accounts included in Bankruptcy. I demand immediate removal of these fraudulent public reports from my credit file. Where is the proof other than my name, ss # that was given. 
***There are no accounts on my credit report to support this information is accurate. ***********************
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am victim of identity theft. I have done everything humanly possible to recover from this. I hav sent to all.3 credit agencys a copy of police report, FTC complaint form, accompanied by credit report identified errors. Thy told me acct verified, so I resubmit my paper work and didnt do nothing but bring my score to XXXX. These are acts that hav to be blocked permanently because I didnt authorize and were open in my name. 
XXXX XXXX says I ow e XXXX. Thats wrong. Its a laseee. I pay XXXX/month and nvr been lat because its auto ded from checking. And the screen shot is all acoustic to fraudulently opnd and must b permanently BLOCK. And remove all inquiries!
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (TN)

I started the process of refinancing my house with Loan Depot, at the time of the application it was clearly communicated to the the loan officer XXXX XXXX that I have an existing second mortgage on my house, the loan officer assured me that the loan refinance process will be completed in 45 days and he locked me on a 45 day rate lock. A rate of 3.00 % was locked in with a lender credit of {$2000.00}. To my surprise 25-30 days into the loan I received an email from the loan processor stating that the company does not do subordinations and will not be able to process my loan, at this point my loan was escalated to XXXX XXXX manager for the loan officer who assured me that they will be able to do subordinations and will get my loan processed with in aforementioned timeframe. A little over two months passed by and finally loan depot was able to receive the subordination. But by this time loan depot was charging me multiple rate lock extensions even though there was no delay from my side in providing any documentation. At this point I came to the realization that loan depot was duping the unknowing customers by locking them in on short term locks and charging then unnecessary fees for rate lock extensions. At this point I escalated the issue with multiple people on multiple levels with no communication, realizing that no one was communicating back with me because I was a person of XXXX and they could take advantage of a person of XXXX. On multiple levels I was assured that some one look into the matter but because I was a person of XXXX and no one thought that my loan mattered I was passed on from one person to another. Finally after hundreds of escalations I was assured that all the extension fees would be removed and my lender credit of {$2000.00} would restored. This morning I received that my final closing disclosures and realized that loan depot did not keep their promise and shrank my lender credit to {$630.00}. At this point I find that even though Loan Depot and its manager might not be overtly discriminatory but for sure are providing disparate treatment to people of XXXX.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

In XXXX  I got a loan through XXXX XXXX XXXX XXXX. The loan was paid off by the insurance company and gap paid the remainder. However, the company is claiming that they need an additional {$490.00} I don't know why but I disputed the account with all 3 credit bureaus and its still reporting on my credit as charged off. 

If the company claim that the account is charged off then Im requesting a 1099c that this debt according to the IRS is cancelled and needs to have all 3 credit bureau aware of this immediately.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: YSA ARM LLC DBA Oxygen XL (NY)

Attention : Consumer Financial Protection Bureau I sent a letter to Oxygen Recovery Group ; also referred to as OXYGEN XL disputing an account as erroneous on XX/XX/2021, and mailed OXYGEN XL a certified letter, return receipt requested. It is now XX/XX/2021 and I have not received a response from OXYGEN XL. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), OXYGEN XL has ( 30 ) days to investigate my dispute. OXYGEN XL has not verified the information within the 30 day time period, OXYGEN XL must delete all of the disputed accounts from my report. OXYGEN XL must now delete the disputed and unverified account. Failure to do so may result in a {$1000.00} fine per undeleted item. Attached is a copy of the postal receipt of my credit dispute to OXYGEN XL and a copy of my original letter showing the account I have disputed. Thanks in advance to your timely response to this request. Sincerely,
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

Experian will not respond to my request to remove a credit freeze. They requested identification by mail in order to unlock my online account so that the credit freeze can be removed. They are unresponsive by US mail or online contact.
Consumer complaint received 2021-09-13
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. (GA)

Disputed bankruptcy on XX/XX/2021, XX/XX/2021 and XX/XX/2021. The data furnisher, XXXX, had deleted the alleged bankruptcy from their system. Even after sending the copy of the order from XXXX showing removal of bankruptcy, Experian negligently refused to conduct a proper investigation as per Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

Hello my name is XXXX XXXX I am XXXX years old right after I graduated high school I went to live on campus in college but unfortunately it didnt go so well because later I found out my ex roommate was using my name and my personal information under a lot of fake accounts which she is currently in jail because of her actions and facing years in jail for fraud I even have my police report Its been years since I contacted all the debt collection to let them know that it wasnt me my parents even hired someone to help me fix my credit I wasnt even XXXX years old by that time they told me they were going to fix everything but recently I was trying to purchase a car unfortunately I wasnt able to do that because of my credit and I decided to made XXXX account to learn more about my credit as I was checking I see it alot of old fraud infos fake errors on my account. one of them is PayPal it shows that I had a An account since 2015 with them but that time I wasnt even XXXX years old yet so I dont really understand how but its been three years since they have been reported me and another company Which is XXXX  XXXX they keep on reported me messing up my credit please help me get my identity back.
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello my name is XXXX XXXX I am XXXX years old right after I graduated high school I went to live on campus in college but unfortunately it didnt go so well because later I found out my ex roommate was using my name and my personal information under a lot of fake accounts which she is currently in jail because of her actions and facing years in jail for fraud I even have my police report Its been years since I contacted all the debt collection to let them know that it wasnt me my parents even hired someone to help me fix my credit I wasnt even XXXX years old by that time they told me they were going to fix everything but recently I was trying to purchase a car unfortunately I wasnt able to do that because of my credit and I decided to made XXXX   account to learn more about my credit as I was checking I see it alot of old fraud infos fake errors on my account. one of them is XXXX it shows that I had a An account since XX/XX/2015 with them but that time I wasnt even XXXX years old yet so I dont really understand how but its been three years since they have been reported me and another company Which is cap one they keep on reported me messing up my credit please help me get my identity back.
Consumer complaint received 2017-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (FL)

There are two collection on my XXXX credit report that AR Resources claims as not paid. XXXX XXXX XXXX was the primary creditor that reported to collections two XXXX each charges to collection on XX/XX/XXXX under account number XXXX. AR Resources held both accounts at that time and still claim these services are not paid as of XXXX XXXX XXXX. 
Both accounts where paid in full on XXXX XXXX XXXX through XXXX Credit Card payments on file in there system. Those co-payment charges where for office visits on XXXX XXXX XXXX and XXXX XXXX XXXX in the amount of {$25.00} each visit and additional fee 's of {$7.00} each. 
XXXX XXXX XXXX will confirm both AR Resource collection where paid to there office and can be contacted at ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX XXXX XXXX XXXX C/O two accounts under XXXX dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

I have my own health insurance more than 2 years. But this account billed me ambulance charged {$1300.00} on XX/XX/2020. I called Experian twice to explain and disputed this wrong account. But unfortunately they didnt nothing with me.
Consumer complaint received 2017-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America credit card. Somehow I was under the impression my card due date is on the 20th of each month. At least that 's what they told me when they opened the card. 

Everything started on XXXX/XXXX/XXXX. I am checking my account balances every day, and 1st time in the history of being BofA customer saw the Reminder that my account is overdue ( attached ). 

I had some accumulated cash rewards and decided to transfer them towards the statement credit on XXXX/XXXX/XXXX. After noticing {$38.00} late charge, I contacted BofA to find out why they charge me a late fee. Customer service associate told me that I was making my payments late every month. I got a surprise and told her that I was under the impression that my payment was due on the 20th of each month and all my payments were paid between 16 to 19 of the month. I did n't pay attention to the billing statement because I never received any notifications whatsoever ( mobile app, email, text, etc. ) I asked to speak to the supervisor and was under the impression that he will able to wave the late fee. The person name was XXXX from XXXX ( ID XXXX ). He was very rude and disrespectful and did n't ever let me speak and explain him and made fill like I commit a crime. He did not even bother to conduct researches and said that the best he can do is to change the due date. When I told him that my due date was on the 20th and someone probably made a mistake, he just replied that it was a long time ago and there is no way to verify. 

After I hang up the phone, immediately conducted online research, and find out that I am not the only victim of Bank of America late charge scam.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

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Consumer complaint received 2018-07-21
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: EQUIFAX, INC. (CA)

For the past 6 months I have contacted both XXXX and Equifax to let them know I have been a victim of Identity Theft. I have provided them with a copy of my police report as well as the FTC report that was filed. To date, XXXX still has one account remaining on my credit. XXXX XXXX XXXX XXXX and Equifax still has a total of 4 fraudulent/unknown accounts. 2 with XXXX XXXX XXXX XXXX and 2 accounts with a company called XXXX XXXX XXXX.

I am also requesting that my phone number be placed on my Fraud Alert XXXX XXXX XXXX FTC Report Number XXXX XXXX XXXX  Police Report Number XXXX
Consumer complaint received 2018-07-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I went to school on line that was in XXXX, Illinois. At the time I talked with them I informed them that I couldn't afford college because I was on limited income and retired. They kept telling me to stay with the program and that I wouldn't have anything to worry about. After 2yrs, my loan was {$20000.00} and now it is {$28000.00} which I c n't afford to pay back. I am at my wits end because I want this off of my credit report.My loan started back in XX/XX/2009. I have tried forebearance twice but again no one told me that my interest rate would keep going up. Please can someone help me.