davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/2020 I sent Letters to XXXX, XXXXx, and Transunion. It is Now XX/XX/2020 and i still haven't gotten a response. I also sent a Failure to Comply letter as well and still no response
Consumer complaint received 2015-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (GA)

Someone opened a cell account in my name. I disputed it with XXXX and XXXX, while XXXX deleted it because the account is not mine, XXXX did not. The name of the company is RECEIVABLES PERFORMANCEAccount Number : XXXX
Consumer complaint received 2016-03-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (CA)

I refinanced my FHA loan XX/XX/2015 through a program to reduce my mortgage insurance. HomeBridge Financial Services acquired my loan at that time and began harrassing me by calling repeatedly ( while I was at work on my cell phone and on my work phone ) about paying my mortgage, even though the checks I sent in were cashed! 

Now I have a new, VERY serious problem. I have received Notices of Delinquent Secured Taxes with late penalties of over {$1200.00} due to the fact that no one has paid the taxes on this property. This is completely unacceptable and I will not be held liable for these late charges. I was NEVER told that I would be responsible for getting the taxes paid. This is an FHA loan and therefore an impound account is assumed and it was my understanding that this is n't something I have to worry about or handle on my own.
Consumer complaint received 2024-01-25
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. (DE)

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. 

Account Name : XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2019-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

My loans are being serviced XXXX/PHEAA. Around last XX/XX/XXXX, I asked them about a difference in the calculation between the months I was tracking for qualifying payments for the public service loan forgiveness ( PSLF ) and what months they were reporting. Since XX/XX/XXXX, numerous customer service agents have repeatedly pushed back the expected timeline to hear about the results of the audit, with the latest customer service representative telling me the two months in question were somewhere around XX/XX/XXXX-XX/XX/XXXX or  XX/XX/XXXX-XX/XX/XXXX, but that XXXX hadn't credited these two months yet because they hadn't determined that I was in a qualifying repayment plan despite being in one before and after the two months in question. The customer service representative said it looked like some of the questions arising were concerning the status that XXXX had placed me in deferment for one day during the month - against my instructions and desires. The customer service representative once again said that the account was scheduled to be reviewed, but she could not tell me when the review would be completed. As a result of this negligence, XXXX/PHEAA is costing me valuable repayment credits toward qualifying payments made toward the PSLF program.
Consumer complaint received 2017-01-30
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Coastal Financial Solutions, LLC (VA)

Coastal Financial Solutions continues to call my place of employment after I have told them that I 'm not allowed to receive phone calls at work. They have also not sent any formal written communication regarding this debt. This company will also leave voicemails on my work phone stating my debt.
Consumer complaint received 2016-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PCS Receivables Corp. (TX)

I received a letter from Prime Acceptance Corporation on XXXX/XXXX/XXXX requesting payment for an account that was discharged in my Chapter XXXX bankruptcy back in XXXX XXXX. I 'm not sure why they are contacting me for the account 12 1/2 years later. I requesting verification of the account and they records clearly indicate the balance was in my Bankruptcy Chapter XXXX as of XXXX/XXXX/XXXX. My bankruptcy has been discharged along with this account and others so I 'm really upset that they would be trying to collect on a debt that was included in bankruptcy. In addition to that, the account is XXXX XXXX XXXX. Please assist with resolving this matter or refer me to someone that can. I also told the company to contact my attorney that was listed on the notification that was sent to them regarding my bankruptcy. In addition, the account was for an XXXX which closed a year later but moved to another XXXX center with men which I did n't sign up for, thus the company at that time agreed to cancelled the account. However, I wanted to make sure it was cancelled so I included in my bankruptcy filing so that I would not have any issues at a later date. So apparently they dis-regarded the bankruptcy notice since they are contacting me again about this account, or they sold it to this new company.
Consumer complaint received 2018-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

A couple of years ago a mysterious debt to some medical group in Oklahoma showed up on my credit report. After much harassment by phone and mail I filed suit in my local court and the company/collector agreed to take the item off my credit report. Now, a new collector is trying to collect the same debt that has already been removed from my credit report twice. This is clearly a scam.
Consumer complaint received 2016-11-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

I paid my XX/XX/XXXX mortgage payment of {$1000.00} to Roundpoint Mortgage on XX/XX/XXXX. On XX/XX/XXXX they withdrew {$1000.00} from my account. Then on XX/XX/XXXX they withdrew another {$1000.00} from my account without authorization. This erroneous action threw my account into serious overdraft status of a negative {$430.00} balance which includes multiple {$35.00} insufficient fund fees for each item. I contacted my b bank, but they were unable to help since both payments had already been processed. I contacted Roundpoint Mortgage customer service and was told they could do nothing and I had to PROVE that Roundpoint had made an mistake. They told me to email a copy of Roundpoint 's own email confirmation of my payment back to Roundpoint. I was not given a legitimate email address. The Customer Service XXXX told me to email their own own email confirmation of my payment to XXXX I managed to to track down a legitimate email address and sent Roundpoint a letter explaining their error, along with their own confirmation form and a copy of my bank statement showing the double withdrawals from my account which also included details of the negative amounts adding up in my bank account. Roundpoint sent bank an email acknowledging my complaint and informing me it could take up to 30 days to resolve this financial mess they created. They also told me not to contact them again which would put my complaint to the bottom of the pile and take even longer to resolve. I am in a panic because of Roundpoint. I am a senior citizen on a limited budget, and because Roundpoint emptied out my bank account, I am left with no money for food, bills, etc., and my bank account is seriously in the negative. I find their unhelpful and unresponsive attitude totally incomprehensible.
Consumer complaint received 2020-10-19
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: EQUIFAX, INC. (AZ)

XXXX XXXX and Equifax are still reporting two old XXXX XXXX  accounts that should have been deleted since XX/XX/XXXX. I am not saying the accounts are not valid. I am stating that under the fair credit reporting act, credit bureaus are not supposed to report after seven years. On XX/XX/XXXX it was officially seven years so these accounts should be deleted. These are XXXX XXXX  account have a balance of {$5300.00} and {$2500.00}. I want both of these accounts removed from Equifax since seven years has passed on XX/XX/XXXX. XXXX and XXXX have already deleted. Like I mentioned Im not saying the accounts are not valid I am saying that they are too old to be on my credit report with Equifax. I hate dealing with Equifax they always difficult and report information incorrectly often. All three credit bureaus suppose to be reporting the same information. Why would first delinquency be in XX/XX/XXXX for XXXX and XXXX but not for Equifax? Equifax is not following the law and reporting incorrectly. When I dispiute with Equifax they say the credit reported as accurate but that's incorrect. Once again I am not saying the debt or accounts are not valid but I am stating the fact that both accounts the first delinquency is 7 years old as as of XX/XX/XXXX. So is it that Equifax thinks they can do whatever they want and report different? Why there always problems with Equifax. I don't have same problems with XXXX and XXXX
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (GA)

I have notified Experian on many different occasions that the following addresses do not or never belonged to me. I would like these addresses removed from my credit file. Since they was a result of identity theft. 

Incorrect Addresses : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (NC)

We have gone to our mortgage lender on several occasions trying to get a lower interest rate with no success. We feel that we are victims of predatory lending practices. We need an interest rate that is more aligned to the market rate. Our current rate with Citi is 6.64000 %.
Consumer complaint received 2015-04-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

The Servicing Company to my mortgage - Wells Fargo Mortgage is attempting to illegally foreclosing on my personal home by selling it at auction on XXXX XXXX, XXXX in direct violation of HBOR law. Wells Fargo Mortgage approved our file for a HAMP modification and has failed to process our final documents and monthly Trial payments which are unaffordable. They continue to threaten with foreclosure to kick us out into the street with eviction if we did n't accept the offer knowing very well that we can not afford the payment. They have mishandled my documents and file several times and failed to properly communicate with me throughout the process. They simply violated HBOR specifically under the " dual tracking '' clause. Wells Fargo Mortgage instructed and allowed the Foreclosure Trustee named XXXX XXXX XXXX to illegally start foreclose on my property.
Consumer complaint received 2016-12-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau Collection Services, Inc. (MO)

I noticed a new collection on my credit on or about XXXX When I contacted the gas company who sent this to collections I was told they had a system reboot XX/XX/XXXX an no longer have access to the records. I have repeatedly requested verification of that I owe or how I owe this bill when I did not reside in the residence at the time they claim. I have yet to receive verification of my request. The company has point blank told me that the burden is on me to prove I do not owe them. I know I do not owe this bill as the previous owner holds records of this time frame that he has paid the bill to this service in the same time frame the company claims I owe.
Consumer complaint received 2015-03-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

My wife was laid off on XXXX XXXX, XXXX. Modification request was completed on XXXX XXXX, XXXX. XXXX XXXX XXXX stated, " We 're unable to complete the review if we are missing documentation, so we may request updated financial information. '' What information did Wells Fargo use to make your final decision if you were missing financial information? This decision was made in XXXX business days from the time my wife was laid off her job. Why was n't the decision based on information provided repeatedly through congressman XXXX office, Faxes from branch Well Fargo offices in XXXX? How can you calculate 42 % of 0.0 income? Why did it take Wells Fargo XXXX business days to make a final decision when you found out my wife was laid off XXXX XXXX XXXX? 

XXXX XXXX XXXX of Wells Fargo stated, " A review for HAMP Tier II was also completed and we were unable to approve you for a modification because the documentation provided at the time indicated that the modified payment would be more than 42 % of your monthly income. '' On XXXX/XXXX/XXXX XXXX XXXX XXXX of Wells Fargo stated, " Based on the documentation you provided us, your proposed monthly modified payment would be more than 42 % of your monthly income. We reached this decision by reviewing your monthly income, which is calculated as {$0.00}. '' Based on this information, why did Wells Fargo based final decision on information provided on XXXX XXXX, XXXX? 

Questions we would like Wells Fargo to answer:1. Why Wells Fargo base final decision on information provided on XXXX XXXX, XXXX? 
2. Why was n't the decision based on information provided repeatedly through congressman XXXX office, Faxes from branch Well Fargo offices in XXXX? 
3. How can you calculate 42 % of 0.0 income? 
4. Why did it take Wells Fargo only XXXX business days to make a final decision when you found out my wife was laid off XXXX XXXX XXXX? 
5. How many home owners have been given HAMP Tier II in or around XXXX XXXX, CA which is where we live? 
6. Can we have a HAMP Tier II ASAP or by XXXX XXXX, XXXX because our house will be Trustee sold on XXXX XXXX, XXXX?
Consumer complaint received 2015-09-26
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (IL)

fraudulent charges were put on my American express credit card by someone in XXXX I I I believe. I did file a police report and called the credit card company. American express said they would call me back within 72 hrs. To verify that I am XXXX XXXX. The problem is they did not call me back. I have called them several times and they keep saying they have to call me back to verify identity, but they have not called me back. Now I want the charges taken off and the account closed. How can I get the charges removed if they do n't call me back?
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Since XX/XX/2021, Bank of America has mismanaged my claim for fraud activity that stems from a Bank of America employee or XXXX XXXX employee. They have resolved only partially my claim of fraudulent activity on my account and failed to completely reimburse me the money owed me of approximately {$170.00} plus dollars. Emails have been elevated twice to supervisors for attention to the matter. I called their office again this morning and again an email is all they can do to elevate this case that has already been resolved since ; and letter sent to me in XX/XX/2021 advising me the case was fully resolved in my favor! Please CFPB, get this bank to pay me so this case can close once and for all.
Consumer complaint received 2016-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

I received a notice that my new mortgage payment is XXXX. The following payment was not in step with this document. I refuse to payment this new amount and any late fees. This problem needs to be straighted out ASAP. They will not answering any questions about my account and the discrepancy with the amount.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with Fair Credit Reporting Act. The List of Accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate These Accounts : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX However, They stated that everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) They are supposed to modify Accounts that are not reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe in the information is inaccurate. 

I as the consumer have a right to privacy.
Consumer complaint received 2017-01-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (WA)

It 's a struggle every time I try to get my free annual credit report from the credit reporting companies covered by annualcreditreport.com. I try to space out my requests so that I get a different one every 4 months, but I can usually only get a single one per year from XXXX as it 's the only one that works consistently. XXXX is always blocked by my anti-virus system when they try to transfer me to a malicious website and Experian always tells me that I 'm blocked from ordering through the official website and must make my request by US Mail. These problems have gone on for several years now and I 've tried reporting them to annualcreditreport.com, nothing ever seems to change. It seems that they make it so difficult to get the legally required free report, that the only way to accomplish it is to buy some bogus service from them. Why does n't the government put a stop to this?
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2024, I mailed over a dispute letter to Experian disputing the completeness and accuracy of accounts on my credit report. I recently received a response from XXXX that was issued by them on XX/XX/2024 that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.
Consumer complaint received 2019-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (PA)

My minor daughter is receiving solicitations from Discover, and I did not grant permission to do so. She is only XXXX years old. She does not have a credit card from Discover and this website does not give me an option for filing this complaint without selecting " Card Holder ''. She does not have, nor has, a Discover card.
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (PA)

I had hired XXXX after many attempts requesting loan information from a home equity loan from XXXX XXXX. After XXXX XXXX federal XXXX failed to respond and provide requested information. XXXX and XXXX removed account completely. Experien after disputing did not find anything wrong, I resubmitted dispute and they are now investing by contacting furnisher. XXXX XXXX has also reported illegal update stating this account was an open revolving line of credit. Which recently interferred with first savings denial on my home refinance application. They had asked if I intend to pay off XXXX XXXX. After they illegally closed my home at sheriff sale they continue to abuse me by punishing my credit history which controls my way of living. XXXX XXXX real estate XXXX XXXX has recently said they do not like me therefore they did not sell my home to my brother. Which I had rights as home owner to simply transfer title from very beginning.
Consumer complaint received 2015-11-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XXXX XXXX of 2014 someone deposit a check into my account from an ATM unauthorized in Work forged I 've then made a claim reporting the activity that was being done on my account on the XXXX of 2014 I then got a statement stating I was negative in my bank account and that i owed Bank of America money. I then went to a bank of America branch in XXXX XXXX XXXX where they stated that I never made a claim and the associate called the claim center and said they never got a claim so I made a claim and the Bank of America associate ask them to the ATM cameras that resulted in showing it was not me at the ATM and they removed the negative money on my account and I could receive the following money I had left on my account.