davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (TX)

I signed my mortgage loan on XXXX XXXX. I mailed my notice of right to cancel, on XXXX XX/XX/2019 by US postal priority mail express to Loandepot. It was received on by them the same day at XXXX Several days later I noticed that my old mortgage was paid off, contacted Loandepot to find out why they paid it after I terminated my loan. I was told that they did not receive my letter.
Consumer complaint received 2021-09-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CIT BANK, NATIONAL ASSOCIATION (MO)

In XXXX I paid {$270000.00} for my house. We put 20 % down - In 2020 I sold it for {$350000.00}. XX/XX/XXXX the lender ( XXXX XXXX ) submitted a {$250000.00} payoff and I took {$200000.00} cash to the next closing on a {$210000.00} house. We owe {$45000.00}. The payoff came from XX/XX/XXXXThe funds were returned to the title company twice- without a release of the only mortgage on the property. Even after payoff I had to contact FDIC to finally get the lien released. XX/XX/XXXX XXXX released the lien AND transferred it to XXXX XXXX the same day. The loan originated at XXXX XXXX which became XXXX XXXX XXXX who sold it to one West Bank who transferred to XXXX who sold to XXXX XXXX. Meanwhile I made {$640000.00} in payments including a second mortgage paid off in XXXX. The total interest reported to the iRS was {$240000.00} since XXXX. There was XXXX escrow surplus and we got {$83000.00} at closing I have previously supplied cfpb with 1 ) bank statements that verify the payments. 2 ) tax returns verify the interest. 3 ) settlement statements verify the closing figures.
Consumer complaint received 2020-09-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (WA)

On XX/XX/XXXX my refinance loan was funded by XXXX in the amount of $ XXXX. 
I had a conventional mortgage plus a down payment assistance loan that I was refinancing. The down payment assistance loan was for $ XXXX plus 3 %. The loan was for 30 years with full payment due then or sooner, if I refinanced or sold the condo. I took out the original loan XX/XX/XXXX of XXXX. 
The company that bought my mortgage in XXXX is XXXX. Loancare had origially sent an incorrect payout amount for my down payment assistant loan. They received and accepted the payout for the conventional loan on XX/XX/XXXX. However, Loancare rejected and sent back the money for the down payment loan on  XX/XX/XXXX. Loancare called my title company, XXXX XXXX, saying that Loancare had made a mistake, that the first time home buyer loan payout was short over {$15000.00}. What happened was that Loancare subtracted the 3 % from the principal of $ XXXX instead of adding it. They sent a payout letter asking for just over $ XXXX instead of just over $ XXXX. They also said that I needed to pay them by the first business day of the next week. I checked their math, and found that Loancare was adding daily interest beyond XX/XX/XXXX. I told the title company and Loancare that they needed to fix that. I was not liable for interest added after Loancare 's mistake. Loancare sent another payout letter to the title company. It was wrong again, this time the letter had the original mistake plus the daily interest. 
This back and forth has been going on ever since. Today is XX/XX/XXXX. Even the legal department at the title company has told me to get a lawyer. I have since paid Loancare $ XXXX to principal in the hopes that that would force Loancare to redo their math. I was hoping they would get it right. Nope ; Loan care has sent XXXX XXXX title a payout letter stating that I owe them $ XXXX, a principal amount of $ XXXX minus 3 % instead of $ XXXX plus 3 % for six years, then minus $ XXXX principal for a total of about $ XXXX. 
I am trying to pay what I owe. I have been trying to fix this for MONTHS!
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2020-11-03
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. (PA)

I paid on a settlement account on XX/XX/XXXX through XXXX and XXXX on behalf of XXXX. XXXX reported on on XX/XX/XXXX that I still owe the remaining balance on XX/XX/XXXX to the credit bureaus although the settlement letter stated my account would be settled. I uploaded the settlement letter as proof that I no longer owe the money although I was reported again as a late/missed payment and money owed. Experian stated on XX/XX/XXXX the account will remain even with this documentation. This is the second time Experian allowed inaccuracies to remain on my account. XXXX XXXX stated I filed for bankruptcy on my account in XX/XX/XXXX and put 4 charge offs on my account in XXXX. My public record for my bankruptcy is for XX/XX/XXXX. 
When I questioned Experian, I was informed on XX/XX/XXXX by a dispute specialist that even if I have proof that the information is not accurate, the credit companies can put whatever they want on my credit report if they say it is accurate. There is nothing I can do. Even if I have a public record file, XXXX XXXX can say I filed in XX/XX/XXXX. XXXX can say I owe them money even with a settlement letter. All of these inaccuracies have been on my report preventing my credit from going up and getting a mortgage.
Consumer complaint received 2020-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This is my 5th complaint about Bank of America and my Home Equity. I have been dealing with BOA since XX/XX/XXXX because I was XXXX dollars behind in payments. I have been working with XXXX XXXX for months now. Ms. XXXX sent me a letter on XX/XX/XXXX saying to continue making the payment of {$380.00} ( I have enclosed this letter ). I simply can not continue to make two escrow  payments. I am reaching out to you for the 5th time because I am afraid BOA wants to take my home or continue to charge me outrageous fees. 

On XX/XX/XXXX. I received yet another XXXX shipment from BOA saying my modification had been approved ( I am enclosing these documents ) as well and my payment would be {$130.00}. 
Also, none of the payments I made has been applied to my account. I am against closing out this complaint. I don't trust BOA. This account is over 10 years old and my balance is more than my original loan amount.

This is a reference.

( This is my 4th complaint. I have never got a resolution. I have paid over XXXX dollars to Bank of America. My next stop is litigation. " I am submitting another complaint because I could not upload all the documents ''. This has been an ongoing nightmare for 18 months. I applied for a mortgage modification because I was in default for XXXX on XX/XX/XXXX. XXXX. It was a payment of XXXX. Bank Of American prolonged this until XX/XX/XXXX, because they wanted to add fees to the account. I sent in document after document for 11 months. I could not pay the XXXX dollars off because they added XXXX dollars to the total amount. When I got the document papers, I was told the trial payment was for almost XXXX instead of the XXXX I was told they added escrow payments. I pay escrow payments to my primary mortgage. I sent document after document to Bank of America. I paid XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I was told my payment for XXXX was XXXX. Ironically, a paid the payment with a representative. I received a note from BOA saying my bank account was not found. ( enclosed ) On XXXX XXXX I received another document from BOA entitled trial modification ( these are enclosed ) saying my payments would be {$380.00}. The documents had to be received by XX/XX/XXXX. Again they added the escrow and added in {$2.00}, XXXX. They keep adding these " third party expenses '' to my balance. They have added it 3 times. I am begging your agency to help me. I am enclosing my primary mortgage statement to verify I am paying my escrow to XXXX. I am enclosing the documents that BOA sent me. I am enclosing the XXXX payment that BOA claims they cant find my account at XXXX XXXX  )
Consumer complaint received 2020-10-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LendingPoint Holdings LLC (NY)

I currently have a personal loan with lending point. I had a late payment on my account which was reported to the credit bureaus. I am currently recovering from XXXX XXXX and in my recovery time I was unable to make the payment. I have proof of my recovery and I have contacted them and got no help. I received a phone call from my other credit cards regarding my payment being almost 30days past due, never did I from lending point.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (FL)

This complaint is in regards to my Walmart credit card account with Synchrony Bank. When I spoke to a customer service agent on XX/XX/2019 in regards to my partial past due account balance explaining to the agent I was not working and unable to make the full payment being that I had a reduced income at the time due to having to take care of my mother. I understand I have an obligation to pay my debt but when a customer such as me who was struggling with circumstances beyond my control, I was not once offered any credit card hardship program/assistance from this bank to whom I have made every attempt to pay on my balance every single month. Neither did this agent explain to me what would happen if I did not make a full payment or how my credit could be impacted if there were no other options. As a customer I dont feel like I was informed enough to possibly get assistance with my account while going through a financial crisis and I feel this is very unfair because financial emergencies, setbacks and major life changes can come at you quickly, making it difficult to meet monthly financial obligations like credit card payments. I am not pleased with services from this bank and how this has now impacted my credit/credit score.
Consumer complaint received 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (MD)

From XX/XX/XXXX through present day I have not missed or been late with a mortgage payment. In XX/XX/XXXX XXXX sold my loan to Specialized Loan Servicing ( SLS ). In the confusion created by this transaction, payments were mis-applied by me to the XXXX account rather than to the new SLS account. The mis-applied payments were refunded to me, but in the mean time this caused my SLS account to become delinquent. Once I became aware of the situation I promptly paid what was due to SLS. I also informed SLS of the issue and I thought the problem had been resolved. Now my credit report is showing an adverse account and my credit score is 100 points lower than it should be. 
As I said before I have always made my payments in full and on time. But for the XXXX sale of my loan to SLS and the ensuing confusion, I would not have become delinquent on this account. I have spoken with SLS and explained the situation. Their response is that they are unwilling to take any action on this matter because they " don't have to ''.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (DC)

Synchrony Bank, via the XXXX XXXX, opened an account in my name without my authorization. Further, they are sending me marketing communications and claiming that I can not unsubscribe from these communications based on my business relationship. Since no such relationship exists, I believe this also constitutes a violation of the TCPA.
Consumer complaint received 2019-10-03
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. (MS)

I have sent several letters to Equifax, XXXX and XXXX about being a victim of identity theft that continues to have ongoing problems. They have not removed the items on my report as requested on at least ( 3 ) occasions. I am a resident of MS and accounts have been opened in my name in both Alabama and Texas. I dont know what else to do. 

To make matters worst, there are also credit inquires in these states being made by this person which has caused my score to plummet. I placed a fraud alert ( protection ) on my account and still it isnt working. Please help. This is affecting my employment.
Consumer complaint received 2019-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (CA)

I was interested in and provided a personal loan through XXXX  XXXX to consolidate bills. The loan with XXXX  XXXX was finalized and the money was in my account on XX/XX/2019. On XX/XX/2019 an deposit was made to my account from Lending Club in the amount of {$9400.00} via XXXX. 

Not sure who to speak with I contacted XXXX XXXX to make sure my loan was in place and not compromised. I explained what happened and they stated " check into Lending Club ''. My research into Lending Club deeply concerned me. I contacted Lending Club who confirmed they did issue me a loan. I confronted them with the fact I did NOT authorize a loan with them and demanded they withdrawal the money. They commented that " oh you want to cancel the loan '' to which I responded " I never authorized you to complete a loan. '' My concern is I NEVER authorized t hem to complete this loan. It seems unlawful to initiate a loan with no authorization. I did NOT sign a contract. 

As of this date, I received an email that a withdrawal in the amount of {$9400.00} is in progress. I want any money taken by Lending Club for fees involved in their issuance of this supposed loan to be reimbursed to me. A deposit of {$9400.00} seems like an odd amount and my guess is the original loan paperwork probably reflect an amount of {$10000.00}.
Consumer complaint received 2019-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (GA)

XXXX XXXX  XXXX Mariner Finance called my place of employment in attempts to collect a debt they say I owed. A coworker answered the phone. I was not available and my co- worker asked if she could take a message, the representative from XXXX XXXX XXXX Mariner Finance then asked my co -worker if I was still employed, to which my co-worker replied " that's an odd question '' ( because she had no idea the nature of the call. ) My co-worker asked if she had tried to reach me on my cell and the rep said " Yes, I am in the same business she is in, so that's probably why she's avoiding my call. '' That comment was completely unacceptable and a direct violation of my privacy in respect to FDCPA 's Title 15 Section 1962 c, by " revealing or discussing the nature of debts with third parties ( other than the  consumer 's spouse or attorney. )
Consumer complaint received 2021-09-15
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: Porania, LLC (CA)

I have these accounts that does not belong to me and i want it to be removed. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
Consumer complaint received 2019-05-09
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: CITIBANK, N.A. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX ( XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-03
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Nissan said that it was not on my credit report but it is. I gave the car back when if fell into financial trouble and could no long afford the car. Nissan stated that I was not the only one to have ever fell into financial problems and had to give the car back. It was ok and they got the car back.
Consumer complaint received 2020-07-06
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. (TX)

showing ftc vioalations proven 
filed ftc also XXXX XXXXDispute
XXXX XXXX XXXXDispute
XXXX XXXX XXXXDispute
XXXX XXXXDispute
XXXX XXXXDispute
Consumer complaint received 2018-07-16
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. (PA)

My wife and I had a mortgage foreclosure in XX/XX/2011. It still shows on our credit reports and should not. The sites do not have a link to ask that it be removed. I think this is deliberate, to discourage communication.
Consumer complaint received 2020-05-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

Experian Credit reporting company is who my complaint is in regards to. I called this company over 4 times and talked to 3 different agents the first agent transferred me without me knowing to fraud department. The agent XXXX kept cutting in and out. I asked her to call me back at my number she kept having me repeatedly tell her information I gave her already. I asked to be transferred and was sent to someones voicemail. Then I called back and I informed the next agent I was frustrated after spending so much time on the phone over 40 minutes trying to file a dispute he tells me to calm down and tells me he was going to end the call. I never used bad words or said anything other than what any other person would if they were upset I told him the customer service sucks and his attitude as well. Needless to say he hung up I told him I would contact the federal trade commission to file complaint because at the end of the day they are being paid to take disputes over the phone not hang up on people that have poor experiences with there company. They didnt try to fix the problem. I gave them my ssn numerous times and verified my address. I feel like they are not doing there job in addressing the main issue. All I wanted is to file the dispute inaccuracies on my credit report.
Consumer complaint received 2020-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (WI)

I booked a vacation home through people named XXXX XXXX and XXXX XXXX on XX/XX/2020 for {$1700.00} and it ended up being a total scam. I had numerous email conversions with this person and i even looked up the property and it does belong to XXXX XXXX. After I did not get a response back a few days before our vacation was supposed to start, I started researching and found XXXX XXXX on XXXX. She had told me that i was involved in a scam. I did a money transfer through XXXX through XXXX XXXX  and this payment was sent to XXXX XXXX at Suntrust bank. I opened up an investigation with them and they said there was nothing they could do. I also have a police report open under incident number XXXX with the XXXX Police Department. There is also a police report open with the XXXX county police under XXXX from a guy named XXXX who we found out also got scammed by the same person.