davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XX/XX/XXXX Bank of America recorded a reconveyance on my property, in error, that has nothing to do with me or my property. I live in XXXX the reconveyance should have been recorded against a property XXXX. XXXX should have been done XXXX., XXXX XXXX I thought the problem was resolved sometime ago, however, when I refinanced my mortgage XX/XX/XXXX, this problem " popped up again. '' I have called, written, ed faxed and provided all kinds of documentation, but to no avail.I was give a case number # XXXX which I am told was closed due to lack of a Title search. There was a title search done during my refinance and the title company forward a letter explaining the problem ( see enclosed ). Apparently this letter was rejected or ignorned. I am unable to speak to anyone other than a " clerk '' who reads notes off of a computer file, which do not make sense to me.. XX/XX/XXXX I asked if someone could contact me and give me proper instruction and was told I would receive a call within 24-48 hours. As of this writing XX/XX/XXXX NO CALL. The number I provided is my cell phone which is on all hours that I am awake. No return calls, no voice mails, no e-mails. Typical for Bank of America. All I would like to do is to have the XXXX XXXX reconveyance voided or removed from my property. Do not want any problems if and when I decide to sell my home. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

Green Tree Servicing failed to honor my permanent loan modification when XXXX XXXX XXXX transfer the loan to them. They reported my loan as foreclosed but continued to take all my monthly mortgage payments. Months later they wrote saying they were going to honor my loan but made me go thru the trial period again, at the end they did modify my loan but they increase my interest this change will benefit them by XXXX for the life of the loan.
Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: Cash advance fee — 
Company: DISCOVER BANK (CA)

I was charged multiple cash advance fees given a peculiar situation in while traveling in XXXX I had to withdraw money from ATM using the Discover card but the XXXX government banned all ATM and only allowed for a person to take out only XXXX which equals roughly around {$30.00} dollars. Given the circumstances I made multiple ATM withdrawals on the same day to have the ability to survive. Discover charged me {$5.00} per every {$30.00} I was only allow to withdraw and refuse to waive the multiple fees since it was an unavoidable issue. Total of {$75.00} in fees.
Consumer complaint received 2016-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

DiTech ( current lender ) could not provide a payoff quote to support the sale of my home. 
They are undergoing a " automation system upgrade '' and claimed their system will be down until XXXX XXXX. I called customer service, talked to a service rep and her supervisor. The answer provided was that they would try to provide the needed information " early next week '' but made no promises. They supervisor 's supervisor was n't available so I left a voice mail for him. The lack of information will have financial impacts to me and the buyer.
Consumer complaint received 2016-02-07
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

This is in regards to a Bank of America credit card account # XXXX showing on my credit history as closed by consumer and unpaid balance charged off. The information provided by Bank of America is incorrect I was an authorized user on this credit card which was opened and maintained by my late spouse XXXX XXXX XXXX. He died on XXXX XXXX, 2011 when Bank of America was notified of XXXX 's passing they automatically closed the card and would not allow me access to it. I had no knowledge of any remaining balance nor did they make any attempt at placing a claim with his estate. They made what was already a very stressful situation even worse. I still have no idea what balance was charged off nor do I have the full account number for which they are reporting adversely on my credit history. I did previously try to contact them with no success or sufficient response. I would like all credit reporting that they have done and are doing deleted from my credit history. I feel they are in violation of the FCRA and have committed a UDAPP as they have made no effort to collect the debt from me which they are saying I am responsible for. Your help and swift resolution of this matter will be greatly appreciated.
Consumer complaint received 2022-02-12
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. (NY)

Transunion has broken the law by willfully reporting inaccurate information on my consumer report cuasing me harm. I have made attempts with Transunion to have these inaccurate items deleted and they continue to furnish these inaccurate items on my consumer report stating they have verified they without providing proof of such reinvestigations. Immediate deletion of these items is demanded to stop the harm Transunion is cuasing myself. Congress has set up an elaborate system to assure accurate credit reporting, Transunion has assumed this vital role and its their grave responsibility to report accurate information on consumers. Congress also states willfully noncompliance Transunion will be civilly liable for these violations of law.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Medical All the accounts above I was a joint card holder, I need all 3 credit Bureaus to fix the error we are now on month 3 with no resolution. It caused me to loose my score that I was building up and when I addressed the score that is reporting incorrect due to their own error, they told me to work with a credit consultant. So now I have to hire someone to fix their mistakes? Then all my accounts that were closed were suppose to be removed under agreements. They do not want to do a proper research and correct the issue nor my score. This has caused me to be rejected for credit and loans that I need to support my household.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX  ) XXXX Balance {$950.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-02-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (WA)

Everytime they are forced to remove the debt due to satute of limitations the keep reposting it. XXXX who is the originator of the debt charged it off and released me from the debt and a year later LVNV XXXX started trying to collect. My income is judgement proof by federal law They need to stop trying to collect an old debt out of the statute of limitation and forever remove it from my credit report
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (GA)

My loan is serviced by ACS. XXXX will make three years in a row they have determined my income based repayment plan amount incorrectly. I am married filling jointly for my tax returns and my spouse has federal student loans. My spouse 's loans should be considered when determining my repayment amount for the year. ACS refuses to include my spouses loans in their initial determination. I have included my wife 's information on the IBR annual recalculation request. I have approved ACS to access her loan 's on the NSLDS website. But the initial recalculation is still incorrect. So I have had to resubmit the exact same application that I submitted initially. ACS will then do their job correctly and include my wife 's loan amount in their calculations. In XXXX an ACS agent # XXXX told me to pay my XXXX payment of {$43.00} for XXXX until ACS could correctly determine my loan payment for XXXX. In XXXX I receive an invoice for my new loan payment of {$62.00} plus a late payment fee of {$150.00}. ACS is threatening to add negative information to my credit report if I do n't pay the late fee. The only reason they received an insufficient payment is because of their own ineptitude. Is there anyway to switch loan providers?
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed XXXX {$190.00} XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$740.00} BXXXX XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$770.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$62.00} XXXX XXXX  XXXX Balance Owed : {$660.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HoldCo LLC ()

I received a text stating my bank account had been hacked and called the number. To confuse the hackers, I was instructed to go to my bank and withdraw cash to deposit into an atm. I was then led around XXXX to several ATMs trying to find one that accepted cash. When I did, I was instructed to deposit the cash into the machine to confuse the hackers further. After I discussed it with my family, I learned I had deposited into a bitcoin machine and essentially was defrauded for {$2800.00}. XXXX Sent Info : XXXX XXXX XXXX Address : XXXX Order # : XXXX
Consumer complaint received 2022-02-12
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: Westlake Services, LLC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (LA)

I OPENDED A XXXX XXXX FOR MY BUISNESS AROUND 2005. 
FRAUD WAS COMMITTED ON MY CARD A NUMBER OF TIMES. 
THE LAST FRAUDULANT CHARGE WAS MY BREAKING POINT SO I CLOSED MY ACCOUNT WITH THE UNDERSTANDING THAT THE CHARGES WERE TAKEN OFF. NOW I AM APPLYING FOR A LOAN WITH THE BANK AND XXXX CREDIT CARD HAD PUT THIS ON MY CREDIT SCORE REDUCING MY CREDIT SUBSTANSIALY. XXXX XXXX.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

Financial Freedom LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX A Complete Short Sale Package was submitted to Financial Freedom on XXXX/XXXX/16. 

XXXX XXXX is the assigned negotiator - XXXXXXXXXXXX. 

There is an upcoming foreclosure date on XXXX/XXXX/16. 

XXXX refuses to answer our emails or phone calls. 

We found out today that absolutely nothing has been done on the file at all. 

**We have an upcoming foreclosure date on XX/XX/2016XXXXWhat is going on??
Consumer complaint received 2022-02-12
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: SCA Collections, Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2017-02-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I put in several request for Documents used in my Claim with MUFG Union Bank, all have not been honored, I 've also been called a " XXXX '' on the phone by Office of The President Officer XXXX XXXX. Under Regulation E guidelines, The Consumer is entitled to all Documents used or relied upon in The Investigation, nowhere in The Regulation does it say unless the Documents are considered internal, it actually uses the word ANY, meaning ALL.
Consumer complaint received 2017-02-09
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

In XXXX XXXX Client was approved for {$4400.00} in XXXX funds. {$1700.00} of the approved amount was applied to the Client 's delinquent property charges and {$2600.00} was set aside for anticipated tax and/or insurance payments. In XXXX XXXX Client received her XXXX property tax bill in the amount of {$1000.00}. On XXXX XXXX, XXXX we called Financial Freedom and confirmed that {$530.00} of XXXX funds remained in Client 's escrow set-aside. During the call Financial Freedom directed us to submit a written request so that the set-aside amount can be applied towards Client 's property taxes. A written request was submitted to FF that same day. On XXXX XXXX, XXXX we called Financial Freedom to find out a status of the property tax payment - FF advised that the set-aside balance was applied to Client 's reverse mortgage loan balance. Financial Freedom acknowledged that it received Client 's written request to apply the set aside funds towards her property taxes BEFORE Financial Freedom applied the funds towards Client 's loan balance. Financial Freedom 's explanation for applying the funds to the loan balance, rather than the property taxes, is that Financial Freedom is not allowed to hold the set aside for more than one year and that any XXXX funds held in the set aside for more than one year must be applied to the borrower 's loan balance. This statement/reasoning directly conflicts with the XXXX approval letter which specifically states that " the funds for the anticipated property taxes and insurance cost will be held in a set/aside escrow account by your servicer/lender for the express purpose of paying taxes and insurance until the funds are depleted ''. 

Moreover XXXX funds are a loan and the client has to give a mortgage. Client is not receiving the benefit of the loan. Applying the funds that the client is entitled to use towards her proeprty taxes and insurance towards client 's loan balance does not benefit the client in any way and the client may be at risk of defaulting on the reverse mortgage.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Attempted to temporarily lift a security freeze I placed on my credit with TransUnion for an employer background check on XX/XX/2021. After providing all information to verify my identity, and just as the temporary freeze was about to be lifted, the agent, XXXX, states she can not complete the transaction because my account is in the special handling department. I was transferred and placed on hold. Total hold time was over 1.5 hours, and I could not continue to stay on the line. Attempted again on XX/XX/2021. I let the agent, XXXX XXXX, know before I gave her any personal information that my account was in the special handling department, and if she could assist me. She said she would be able to help, so I gave her all information to verify my identity all over again, again. This time she placed me on hold. She came back looking to verify more information. I let her know that the spelling of my first name is incorrect on the most recent correspondence I received from TransUnion. One letter is off. Previous correspondence had the correct spelling as I keep all correspondence for reference. It occurred to me that while making a routine address update with TransUnion after I moved a few years ago, the spelling of my first name was no longer correct. The person assisting me that day clearly made an error when updating my information. This is not an error on my end, this is an error by TransUnion personnel that can be easily fixed by looking at the rest of my file for reference. I was also told some creditor I have never heard of spelled my name incorrectly, and thats the reason why its currently misspelled. This doesnt make sense, as how can a creditor I have never heard of change the spelling of my first name with a credit agency? Not only that, TransUnion knows as well as I do that I have zero debt and zero creditors. They can clearly see this reflected in my file, and I know this to be a fact, so how can a creditor change my name? The agent, XXXX XXXX, told me I would have to mail TransUnion various paperwork in order to prove my identity, and that is when I asked to speak to a supervisor. When I was transferred to a supervisor, Mr. XXXX XXXX, in XXXX, he told me he would need all my information again because it did not transfer with the call. Needless to say I was not amused and refused to give any further information. I was told to call an XXXX number and ask to speak directly with a supervisor in special management handling in the USA. At this time I have not been able to get a temporary lift on the security freeze for my employer background check, and will have to prove my identity by sending in various personal identifications to correct a mistake made by TransUnion.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

THESE 3 COLLECTIONS WERE REINSERTED ON MY CREDIT. I WAS NOT NOTIFIED WITHIN 5 DAYS FROM THE CREDIT REPORTING AGENCY, THEREFORE, WE ARE IN IN LITIGATIONS. ( 1 ) COLLECTION SERVICE Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX