davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX XX/XX/XXXX after several months of paperwork we closed on our home with XXXX WHOLESALE CORPORATION. I was asked to sign hundreds of papers with little or no time to review any of them. At that moment I was pressured to get the closing done. We provided 10 % of the value of our home and our mortgage was {$1400.00} plus a MIP of {$390.00} or {$1800.00} per month with an interest rate of 2.5 %. By the end of the fifth year payments blew up to {$2800.00} plus {$390.00} of MIP to {$3200.00} per month. Just the mortgage grew 127.20 %. 
During that process XXXX sold our mortgage to several other banks including CountryWide Home Loans and Bank of America. 
Before the 127.20 % increase in our mortgage payment came through we requested Bank of America to refinance and their response every time was " you are paying on time we ca n't help you ''. We kept on calling until XXXX Bank of America representative stated that the reason they were unable to help us was because we were current with our payments and we needed to be in default for them to be able to help ''. 
Based on those instructions we defaulted and 60 days later re-applied through the Home Affordable Refinance Act XXXX times. Even thou we fulfilled 100 % of the criteria BOA refused to refinance and proceeded with a foreclosure. 
Since we found the whole situation building up against us we hired an attorney and we did a compliance stress test of our mortgage with a certified reputable Loan Analyst for the RESPA and TILA and the result stated that the mortgage generator and its successors violated many RESPA and TILA federal and state statutes. 
We filed a counter claim at the court stating that not only the mortgage note are unforceable due to direct violations of TILA but also of the HOEPA and failed to deliver a notice of acceleration to us the homeowners violating the Federal Debt Collection Practices Act and also Bank of America breached the mortgage agreement by force placed insurance in an amount in excess of that required under the mortgage. The mortgage also understated the finance charges and annual percentage rate violating the Truth in Lending Disclosure Statement at the time of closing. 
To top all that we requested a Home Equity Line of Credit for {$100000.00} which Bank of America provided even though our home did n't have enough equity. Throwout the life of the HELOC we paid it in full several times and Bank of America kept on lending us money even there was not equity to support that loan also known as predatory lending practices. 
Even after Bank of America tries to foreclose in our primary residency and put our family on the street, we made and arrangement to pay the {$110000.00} HELOC and we satisfied that mortgage on XXXX XXXX XX/XX/XXXX
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 — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have some major issues on my credit file that need to be reinvestigated asap.

issue 1. XXXX XXXX listed on my Equifax report has a late Payment from 2017, I was an authorized user on that account over 4 years ago I am not on that account and I am not responsible for the balance of that account Please delete.

2. Second issue I found inquires from various auto loan companies. I have only one Auto Loan with XXXX XXXX XXXX. I have never applied for accounts or loan with the following companies :, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

I am hyper sensitive to any movement on my credit file I discover these last month and filed a dispute. This is my 3rd time complaining about this issue.
Consumer complaint received 2017-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

XXXX /2017 : received a bunch of Voicemails during business hours from ProCollect. Was unable to answer due to work hours and did not owe a debt so I had no idea why they were contacting me.      XXXX / XXXX / 17  : received a letter at my mothers address in another state saying that I owed a debt. Letter says it was sent in early  XXXX  but was not post marked or received ( at the wrong address ) until  XXXX , which was conveniently close to the 30 day dispute date on the letter. I had only a few days to contact my attorney and dispute the letter after receiving it.      XXXX / XXXX /   17  : my attorney sent a certified letter to ProCollect to verify debt and gave them 30 days to respond.      XXXX /2017 :  ProCollect  has not contacted my attorney with proof of debt.      XXXX  2017  : Debt in collections appeared on credit report. Attorney never received proof of debt.
Consumer complaint received 2022-09-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/2022 XXXX BANK OF AMERICA XXXX FRAUD MY XXXX TRANSFER GOT STUCK, I CALLED XXXX, THIS ENDED UP BEING A SCAMMER WHO CLAIMED TO WORK FOR BOA XXXX. IN DISTRESS I THOUGHT THEY WERE OFFICIAL. THE SCAMMER ACCESSED MY PHONE AND BOA ACCOUNT AND INSTRUCTED ME TO ENTER CODES. THEY DID THE SAME WITH MY XXXXXXXX XXXX  ACCOUNT THAT THE FUNDS WERE TO BE TRANSFERRED TO BUT XXXX XXXX LOCKED MY ACCOUNT.
Consumer complaint received 2021-01-26
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)

Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2021 To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. The definition of a credit card Pursuant to Title 15 USC 1602i means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit meaning my Social Security Card was used to originate every consumer credit transaction in my File making me the original creditor Pursuant to Title 15 USC 1602g. I demand Pursuant to 15 USC 1681a ( 2 ) ( B ) that the following transaction be removed from my credit report immediately as you are violating my rights as a federally protected consumer under Title 15 Chapter 41. 


1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 6. XXXX XXXX Account Number : XXXX Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-11-17
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Social Finance, Inc. (NE)

I applied for a loan through SoFi. The advertisement says that Fixed rates are as low as 3.5 % APR. I applied for the loan and they were only able to get my 5.24 %. I called and asked a rep how they determine the score. They said a variety of factors such as job industry, duration of employment and a few others. However, my credit score is XXXX, near perfect. I explained this fact. That was barely acknowledged. 

I then asked what percentage of people have received a 3.5 % APR rate under their current offerings. The representative then said, " I have n't seen any applications with that rate. '' Under UDAAP, this may be considered a deceptive practice if no one can feasibly obtain this rate or SoFi knows that the amount is so astronomically low, that it is virtually impossible for any applicants to receive such a rate.
Consumer complaint received 2021-06-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc. (PA)

I have been repeatedly misled by different representatives. Im harassed daily by this Consumer Portfolio Services. Ive tried to work with them in a difficult financial stress that has been the result of the pandemic. Im threatened daily with phone calls- phone number comes up as a yellow triangle with exclamation mark in it. Im very embarrassed and insulted by this.
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I purchased an investment property for over {$72000.00} in approximately in XXXX. The mortgage is with Bank of America. I 've had PMI since the inception, which is fine ; however, the mortgage owed is now under {$12000.00} and Bank of America and my agreement says I need a new appraisal and if I do not obtain a new appraisal I have to continue paying PMI until the loans is paid off. I am not spending {$300.00} to {$400.00} to avoid PMI at some point Bank of America should be reasonable.
Consumer complaint received 2017-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The refinance application made on XX/XX/XXXX with Bank of America was canceled without notification. I believe it was canceled on XX/XX/XXXX however as of this date, XX/XX/XXXX, I have only anecdotal evidence the loan was indeed canceled. I received further documentation from Bank of America on XX/XX/XXXX showing loan estimates and loan program disclosures. It appeared to me that we were proceeding accordingly with completing the loan process. I have made several attempts at understanding why however no one at the bank has come forward with any answer. I also filed a complaint on line at the bank website two weeks ago however no one has contacted me regarding the complaint. I believe I have provided all documents required to close on this loan.
Consumer complaint received 2022-09-05
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. (IL)

n 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 without my written instructions
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I lost my wallet in XXXX and my driver license and social security card was in there. I continue to have to dispute items on my credit report. I also was a victim of the XXXX  Breach in XXXX. I have notice several inquires on my Experian credit reports that I have not authorize. I do not have any of these credit accounts XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-06-03
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)

ON XX/XX/2021, I EMAILED XXXX XXXX  THAT THE REMARK KEY ( PPA ) PARTIAL PAYMENT AGREEMENT THEY PUT ON MY WIFE 'S CREDIT REPORT AND MY CREDIT REPORT IS ADVERSE. ACCORDING TO THE FEDERAL CORONAVIRUS AID, RELIEF, AND ECONOMIC SECURITY ( CARES ) ACT, IF YOU MAKE AN AGREEMENT WITH A CREDITOR TO DEFER ONE OR MORE PAYMENTS, MAKE A PARTIAL PAYMENT, FORBEAR, AND DELINQUENT AMOUNTS, MODIFY A LOAN OR CONTRACT, ORGET ANY OTHER ASSISTANCEOR RELIEF BECAUSE COVID 19 AFFECTED YOU, THE CREDITOR MUST REPORT THE ACCOUNT AS CURRENT TO THE CREDIT REPORTING AGENCIESIF YOU WERE NOT ALREADY DELINQUENT. MY WIFE AND I WERE NOT DELINQUENT AT THE TIME OF FORBEARANCE. YET, XXXX XXXX  PUT THE ADVERSE REMARKS ( PPA ) WHICH CAUSED A 73 POINT DROP IN MY CREDIT SCORE. XXXX XXXX  RESPONDED SAYING THEY DID NOTHING WRONG. I WANT XXXX XXXX  TO REMOVE THAT ADVERSE REMARK ON ALL OF THE CREDIT BUREAUS. WE HAVE NEVER MADE ANY PARTIAL PAYMENTS.
Consumer complaint received 2017-03-09
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ND)

I am a victim of identity theft and someone stole and used my Bank of America Checking Account : XXXX, Money Market Rewards Savings Account Ending In : XXXX and numerous debit cards linked to the checking account, from XX/XX/XXXX through XX/XX/XXXX to make fraudulent and unauthorized transactions on my checking account. Over {$30000.00} in fraudulent transactions has been made to my checking account. {$30000.00} was debited from checking account and my checking account was closed unbeknownst to me.
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

I have a few XXXX credit card account 's with my wife, however, there is an individual past due XXXX account listed on my credit report, as an individual account. I have never had an individual account with XXXX. I have asked for copies of documents, to no avail. This is not my account.
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (ID)

I was under a loan modification. I was assigned a Home Preservation Specialist. I paid all modified payments as agreed. Document dated XXXX/XXXX/16 presented the outline of the permanent modification terms, including line XXXX. " Escrow shortage payment ( if applicable ) {$23.00} ''. My loan preservation specialist explained that the modified loan would do just that, pay the escrow in arrearage. The fact that an amount was populated, acknowledged by Wells Fargo that there was an arrearage and they declared that arrearage amount to be XXXX. I was given new payment amount and under these pretenses I signed and obligated. In fact the loan packet was sent twice and signed XX/XX/XXXX to be retro effective to XXXX XXXX. It is recorded and in effect. XX/XX/XXXX is my first month of payment since the signing and the Home Preservation Specialist no longer takes my call per not on his caseload any longer. Today I received an Escrow Account Disclosure Statement and Notice of New Mortgage Payment. I am being billed for the escrow arrearage that they did not capture, nor inform me of, nor bill me for, nor roll into the new loan for {$1300.00} and increasing my loan amount due to their error. My option is to find the funds and pay up front or increase my monthly mortgage payment immediately after signing a modified loan agreement. This is a misleading and fraudulent representation and I can not get anyone to own up to it. A supervisor in customer service was able to help me identify the error that Wells Fargo made, but he is not in the capacity to change it. I feel that if Wells Fargo stated in my preceding introductory documents that my arrearage was {$23.00}, and they reviewed through underwriting on multiple occasions, and I was lead to believe my loan payment would be {$950.00}, I do not believe it is my obligation to immediately increase my payments. This is fraud and misrepresentation. XX/XX/XXXX was when they processed my paperwork, and XX/XX/XXXX is the first month without representation from home preservation specialist. and is the same month that they hit me with a new increased amount. Note the attached XXXX XXXX, 2016 letter congratulating me on the processing of the modification. Immediately they change the terms. This is fraud!
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

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 2021-01-26
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. (NV)

TRANS UNION XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. The definition of a credit card Pursuant to Title 15 USC 1602i means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit meaning my Social Security Card was used to originate every consumer credit transaction in my File making me the original creditor Pursuant to Title 15 USC 1602g. I demand Pursuant to 15 USC 1681a ( 2 ) ( B ) that the following transaction be removed from my credit report immediately as you are violating my rights as a federally protected consumer under Title 15 Chapter 41. 


1. XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Date of Inquiry : XX/XX/XXXX Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (MD)

Every year I request my credit report from Experian and I never receive it unless I 'm willing to upload my personal information since they already have my name, birth date and social security number and I was permitted/ verified to log on to the system but once I 'm logged on I 'm told I need to upload my information again. I am entitled to a free report every year from them and it never happens. The other XXXX reporting agencies have sent me one but not Experian. I have reported this issue to you before this is real problem. I have a credit freeze for all credit reporting agencies. I do not want to buy my score or monitoring of my credit from Experian. My report from Experian is supposed to be free yearly. All I want this credit reporting agency to do is honor my yearly request that not too much to ask.
Consumer complaint received 2016-07-22
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Associates (NY)

I 've received several calls from piedmont credit and collection. They 've even began calling my precious landlord. I finally was just able to get ahold of the company and they had all of my personal info and told me that if I did n't pay {$650.00}, I 'd be served and taken to court. The person just kept saying " well see what the judge has to say. '' This is ridiculous.
Consumer complaint received 2022-09-05
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. (GA)

In accordance with the Fair Credit Reporting Act, the following companies has violated my rights. 

XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX, XXXX. 
XXXX XXXX XXXX XXXX NO NAME COMPANY? 
XXXX XXXX XXXX XXXX Dept. of Ed/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 a account without my written permission. 
Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights.
Consumer complaint received 2022-02-12
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: EQUIFAX, INC. (NY)

Equifax is a bunch of frauds! I have been told by Equifax to submit a FTC report and police report, this is my third time sending. I called and the agent told me my report was in error and to resubmit it, the 3rd time i did and after i called FINALLY, the agent told me that it looks like someone marked off the FTC report numbers! 
So i asked, is it possible the scanner had an error while uploading to their system and he said no! 
So who crossed out the FTC report number if it wasnt me?? 
Equifax better remove these incorrect accounts immediately as i would be forced to seek legal actions
Consumer complaint received 2022-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (AL)

Midland funding XXXX XXXX They call and send me letters all the time. From an old account from awhile ago. I have told the company several times to stop calling me multiple times a day.