davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We purchased our house in XXXX, XXXX, and our original finance company was Country-Wide. Shortly, afterwards Country-Wide transferred our loan to The Bank of America. We made payments to Country Wide and Bank of America on time until, I lost my full-time job unexpectley in XXXX, XXXX, but I was left with my part-time job that I had since XX/XX/XXXX. Fortunately, my husband and I were able to continue to make our payments on time., as my husband was a XXXX of an XXXX company, and he also worked part-time at XXXX . Nevertheless, in XX/XX/XXXX my husband was told by his company by his company that employees who were in management could not work part-time. Therefore, my husband had to quit his part-time job at XXXX. This of course contributed more to lowering our income. But, we continued to stay current with our mortage payments. In XXXX, XXXX, my husband ; s company informed him that his team was not performing, and they downsized him to an agent 's position which meant that he would not receive salary, but commission only. My husband could not for commission as we had bills and a child with XXXX and XXXX. My husband filed for unemployment, and received {$3000.00}, and his company fought against, as they said that they offered himn a position, eventhough, the position did not pay a salary. My husband had to pay back the unemployment compensation. Then my husband secured a job a low paying car salesman 's job, but we still remained current with our mortgage. In XXXX, XXXX, my mother died, and we did not have insurance, and we had to pay for her funeral expenses. Everything went downhill after that, We went to a XXXX event in XXXX, XXXX, and stood in line for two days, Finally at the end of the second day, we met with a XXXX counselor andwe were told that our payments would be eight hundred and some dollars, but the Bank of America representative had just left. Later, we found out from XXXX that their representative had done things incorrectly. So, the process started over. Bank of America told us that they could not accept payments toward our mortgage while they were working with XXXX. For three years, Bank of America kept turning down XXXX stating small items like like we submitted our taxes a day late. This was not true. Finally, XXXX gave up and Bank of Ameica started a loan modification process, and we were then told not to make payments until the modification process has been approved. They put us in foreclosure over four time, but each tinme they would remove the foreclosure because they would start another Loan Modification Review. However, they would always say that we did not qualify for any of the programs when I had read and knew that we should have qualified ofr the program that allowed homeowners to pay XXXX percent of their income.. Then in XX/XX/XXXX ( I believe ) they sold our loan to XXXX XXXX which initiall was most uncooperative eventhough they said that they would work on a loan modification for us.
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

Account is stating incorrectly on credit report stating account as collection while derogatory both at the same time. This is not possible if account is collection it can no longer be derogatory and there should not be late payments reporting. Account was reporting date open as XX/XX/XXXX XXXX XXXX and XX/XX/XXXX by XXXX. Date last active reported as XX/XX/XXXX by XXXX XXXX while XXXX reported XX/XX/XXXX. I disputed account asking to verify or delete as I do not recall having this account results came back still incorrect. stating account is open when previously account was call collection with an accurate date less active stating as XX/XX/XXXX by XXXX XXXX XX/XX/XXXX bye XXXX stating that investigation has been completed where I strongly disagree because there is no way that account can be reporting collection and then suddenly they change it to open an account reporting consecutive charge off as if it was some sort of payment method on a dead account I have tried contacting both the creditor and collection agency and Original creditor stated over the phone that they no longer owe this account therefore they couldnt help. I havent had any luck contacting the collection agency. I never received any sort of document stating that the debt belongs to me by neither XXXX XXXX or XXXX account is a total mistake itself no doubt.
Consumer complaint received 2021-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allegiant Capital Recovery LLC (TX)

I XXXX XXXX the consumer and natural person am seeking remedy from Allegiant Capital Recovery. They are in violation of Federal Law they violated FDCPA Laws, On XX/XX/2021 at XXXX I received a text message from Allegiant Capital Recovery which is a violation of the FDCPA. They did not have prior consent to contact I XXXX XXXX the consumer, natural person which violates 15 USC 1692c ( a ) It was an extremely inconvenient time when I received this text. That violates 15 USC 1692c ( a ) ( 1 ) The message in Exhibit A states if you pay you balance today! 
The us of! was The use of obscene or profane language which is to abuse to me the reader 15 USC 1692d ( 2 ) The message in Exhibit A states We are offering you a 50 % reduction Which indicates The advertisement for sale of any debt to coerce payment of the debt. Violation of 15 USC 1692d ( 4 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want remedy by paying the invoice included of {$10000.00} Please investigate this matter and help me from further harassment. 

Thank you, XXXX XXXX
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-02-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (CA)

I paid off the mortgage (XXXX) on XXXX  and it was transferred to a new servicer (XXXX XXXX XXXX XXXX, loan # XXXX) on XXXX. The paid off fund still not being forwarded to the new servicer as of today (XXXX  so the new servicer refused to close the loan even though I paid it off to the previous servicer (XXXX XXXX XXXX) and sending a "event of default" letters.
I filed a complaint # XXXX to XXXX XXXX XXXX, and their response today is it is Better who has to forward the fund, since XXXX XXXX XXXX already forwarded the pay off fund to Better on XXXX. Please refer the following response for XXXX. 

Better Mortgage originated the loan on XXXX XXXX XXXX. The loan transferred to XXXX  for interim servicing on XXXX XXXX XXXX, with the loan scheduled to transfer to XXXX XXXX XXXX Inc. (XXXX) on XXXX XXXX XXXX. On XXXX XXXX XXXX, the Borrower paid the loan in full. XXXX  subsequently completed the release of lien on the loan and has previously provided the Borrower with a copy. The loan transferred to XXXX on XXXX XXXX XXXX as scheduled, with a zero balance, due to the payoff. Because the loan is owned by Better Mortgage and was serviced for an interim period by XXXX, XXXX remitted the payoff funds to Better, for Better to then forward the funds to the new servicer. XXXX sent the payoff funds as part of a bulk wire transfer to Better on XXXX XXXX XXXX, using Fed Reference XXXX. Any additional questions regarding receipt of the funds from Better must be addressed by the new servicer, XXXX, rather than XXXX, as XXXX no longer services this loan and has forwarded all funds and information appropriately.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (IL)

I booked a trip with XXXX and used Affirm to finance. Before taking the trip I canceled the trip with the travel insurance I purchased through XXXX. I have email confirmation. I submitted the information to Affirm and they opened a dispute in XX/XX/2021. I tried to have the account removed from my XXXX credit report but Affirm is saying the account is accurate and will not remove the account from my credit report.
Consumer complaint received 2020-11-28
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. (TX)

On XX/XX/XXXX I spoke with XXXX, XXXX & Experian to open A dispute on an account that has A host of inaccuracies reported to the my credit report from XXXX XXXX. I was sent A updated dispute saying the information was verfied. Under the FCRA they are required to look into my dispute in great detail and if that was done they would have seen the inaccuracies. I have attached A copy of the the way this company has reported absolutely no late payments to XXXX  and experian and then A sudden charge off in XX/XX/XXXX to both reporting agencies. It also states on my XXXX  report the last activity was on XX/XX/XXXX, However I have attached the screenshot of the report that also show they reported the last activity on the account with XXXX to be XX/XX/XXXX which is 3 months PRIOR to reporting this to XXXX. This shows the inaccuracies reported across the three consumer reporting agencies. Experian has absolutely No late payments reported also. The last payment date should be the same across the board, The date of charge off should be the same across the voard and it is not!! This shows the company has been reporting inaccurate information. Also I sent A letter requesting an early exclusion since this is an account from XXXX. The last payment date was in XXXX however they have reported DIFFERENT dates to all three reporting agencies. The last dispute should have required the company to VERIFY the last payment date. I am requesting A payment history report from the three consumer agencies. I am requesting this account be completely removed as they have reported inaccuracies and it is NOT my account to begin with. Should you decide to keep this inaccurate information reporting I am REQUESTING PROOF OF ALL FINDINGS THAT WOULD VERIFY THE INACCURACIES!!
Consumer complaint received 2022-10-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (ID)

Had a loan for XXXX have already paid XXXX and owe another XXXX because of the XXXX XXXX interest rate. On top of the crazy interest rate it charged me XXXX XXXX  everyday adding XXXX $ onto my loan every single day until I pay it off. Called cash net to settle for the amount I borrowed and they told me that it was my fault for not reading through and finding my interest rate. This company is preying on people who they know cant make these payments and they will increase your limit without asking as well as monitoring your bank account so when you get low on funds they send an email soliciting to you that you now have more funds to draw from. Completely absurd and out of line, I would like a follow up to this complaint to see what will be done about it.
Consumer complaint received 2024-02-01
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)

I hope this letter finds you well. I am writing to express my dissatisfaction with the repeated attempts to rectify the late opening of my account with your institution. I opened an account with your branch and unfortunately, I have encountered several issues that have not been adequately addressed. Despite my best efforts to resolve this matter through various channels, including phone calls and in-person visits to the branch, the late opening of my account persists. I have attached copies of the relevant documents, including the account opening paperwork and receipts, for your reference. I initially opened the account and was informed that it would be active within a specific timeframe. I made multiple follow-up calls to inquire about the status of my account. Each time, I was assured that the issue would be resolved promptly. I visited the branch in person to seek assistance, but unfortunately, the problem persists. I understand that issues may arise, and I am willing to cooperate to resolve this matter amicably. However, the lack of progress and communication regarding the status of my account is both frustrating and concerning. I kindly request that you investigate this matter promptly and provide a detailed explanation for the delay. Additionally, I expect a clear timeline for the resolution of this issue. I believe that transparency and effective communication are essential in maintaining a positive customer relationship. If this matter is not addressed within the exact timeframe from the date of this letter, I will be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$120.00}.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

This is a follow up to my previous complaint XXXX. 

1. The XXXX credit report indicates that my account is XXXX XXXX XXXX. 
The letter from Chase dated XX/XX/XXXX reads " ... we have reviewed your account and found we are not showing a delinquency. '' 2. An automatic payment was not received by Chase because of a XXXX bank error that required me to close my account and set up a new account for autopayment. 
The autopayments that were affected by the bank error were in XXXX and XXXX of XXXX. My account should not be deemed late due to a bank error that caused my XXXX account ending in XXXX to be compromised. A new account at XXXX ending in XXXX was set up for future auto-payments to JPMOrgan Chase
Consumer complaint received 2024-02-01
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. (CA)

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. I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX that is with XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2021-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (OH)

I have a XXXX XXXX credit card through Wells Fargo Bank. Due to the troubles with the US Postal Service my XXXX bill arrived a week later than normal XXXX. I wrote the check for XXXX that night and put the bill in the mail on XXXX. The due date was XXXX so if the USPS did its job the post mark would have been for the XXXX or XXXX. This is 7-8 days before due. The USPS took until XXXX to deliver the payment. On XXXX Wells Fargo went ahead and charged a {$27.00} late fee and {$14.00} in interest. They cashed my check on XXXX according to my bank website. I called and spoke with XXXX on XXXX at XXXX EST. The company refuses to acknowledge the Postal Service delay Problems and the fact that the check was dated and mailed before the due date. They will not waive the late fees. I have never been late in paying Wells Fargo in years of having this card. I do business with other companies that do not charge late fees if the payment was post marked before the due date even if it arrives late. It appears that Wells Fargo is using a national crises to gouge customers for fees that are beyond their control.
Consumer complaint received 2021-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHARLES SCHWAB CORPORATION, THE ()

on my XXXX  report, I have found collection account from Charles Schwab bank, however I do not have any relation to this bank, and account seems to be opened under my name fraudulently, as I am not living in the XXXX for XXXX  years Date reported : XX/XX/2019 Account number last XXXX digits : XXXX The amount owed : XXXX $
Consumer complaint received 2021-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS) ()

on my XXXX report, I have found collection account from XXXX XXXX XXXX,  however I do not have any relation to this bank, and account seems to be opened under my name fraudulently, as I am not living in the XXXX for XXXX years Date reported : XX/XX/2019 Account number last XXXX digits : XXXX The amount owed : XXXX $
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (IA)

Account is stating incorrectly previously reporting account as collection/derogatory both at the same time with a balance of {$410.00}. There is no way that account can be in derogatory if its in collection already And stating incorrect date less active and date last reported along with date open. Account has too many in accuracies already. I disputed account with XXXX XXXX and XXXX as I do not recall having this account open yet results came back incorrect. Results to my dispute came back stating account open when previously was in collection. How can that be possible?! Payment history was previously not reporting and now experian is reporting consecutive charge off as if it was some sort of payment method payment can not report on a dead account. Date last active is reporting as XX/XX/21 with XXXX while date open is reporting as XX/XX/21 this is a total mistake. There is no possible way that account has recorded the day last active before the account was even open.!
Consumer complaint received 2021-09-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date XX/XX/XXXX CFPB Case # XXXX We received your response and over the last months have been working with the builder and our attorney to move our project along. Not having any financial leverage has put us in a bind and our project is still not completed. 
On XX/XX/XXXX TD Bank received a draw request from our builder. On XX/XX/XXXX I advised TD Bank that this draw would put us at 97 % complete and we were FAR from that. We spoke with the TD Bank rep and I sent current photos of the house. I was advised they would not release funds. On XX/XX/XXXX, after months of no progress we finally reached out to TD Bank for help and were advised that TD Bank had in fact released the funds. We are still not at 97 %, we still dont have a specific date as to when we can expect to be completed or when we will get a TCO or CO for our building. 
In your response to CFPB, you offered to protect your concern on our property with a title search and not charge us interest on the funds you released without our authorization. This is not sufficient. 
I have attached a detailed spreadsheet of expenses we have incurred and continue to incur due to your banks error. The amount, as of last month, is {$140000.00} which I have broken down for you to review further. On another tab, TD Bank paid our contractor for items that he did not do. Money he was not entitled to and would not return. This amount, {$36000.00}, already exceeds the amount of the final draw on our loan. 
We are currently seeking the {$140000.00} as a reasonable accommodation for your mistake. This mistake is the major reason we have been able to move this project along and move into our home. 
We understand that the CFPB may allow you another 30 or 60 Days to respond, but these additional delays continue to cost us money which you should also be responsible for. With that said, we would like a response and/or restitution in 2 weeks, or as of XX/XX/XXXX. 
Attachments : E-mail we sent to not release the funds, spreadsheet showing our incurred expenses since you released the funds without our authorization.
Consumer complaint received 2024-02-01
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)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 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
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc. (CA)

Southern Management Systems is a third party debt collector that has been illegally harassing me trying to collect debt not owed since XXXX in the amount of {$2000.00}. Using debt validation letters I finally got them to cease and remove all negative marks from my report on XX/XX/XXXX. I have not been able to get an apartment or home since XXXX because of this company. Ive had to live with friends and family the last 5 years because this company ruined my reputation by furnishing false information on my consumer report. A deletion is an admission of the fraud being committed.