davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian has sent me a letter stating that they will not reinvestigate the fraudulent account listed on my report which is XXXX XXXX XXXX. This account keeps adding fraudulent charges to an account that is currently closed and charged off as bad debt! Experian is in violation of the FCRA law, by law experian has to report accurate information on a consumers credit report! The amounts Are different on each report I have attached the reports showing the different amounts {$6200.00}, {$12000.00}, {$14000.00}, and {$25000.00}! Experian is not reporting accurate and complete information, they must deleted the account now!
Consumer complaint received 2018-12-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (MO)

I was solicited by XXXX, which I have a credit card in which they provide my FICO score monthly. They sent me an offer for HELOC as low as 4.99 % I responded by phone. My XXXX is about 51 % FICO is excellent with no derogatory info. I asked for {$35000.00} HELOC and was quoted 8.99 % after a hard inquiry on my Credit report. And even though I rejected the offer I have been notified by XXXX that I would need to contact my insurance provider to remove the loss payee standing by XXXX even though I never went through beyond application. I was informed by the loan officer that the rate was because the loan amount was too low suggesting I should borrow at least {$60000.00} to get a better rate although they had another parameter that the XXXX would have to be less than 59 %. Kind of a catch 22 when the parameters fluctuate. I would say that when a financial institution offers Loans with rates as low as 4.99 % and yet set parameters that make it less than likely a consumer will qualify is predatory.
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending this final goodwill letter in regards to a reoccurring problem by the credit bureaus and creditors continue to place inaccurate information and errors on my credit file. I have contacted each credit bureau by mail sending certified letters, previous recorded phone calls with supervisors and managers that I have on record, a complaint with the FTC, a law suit filed against all 3 credit bureaus along with a separate law suit against the creditors listed in the letter I have attached to this complaint. This is my final attempt to reach you. Please read the letter carefully and take it as a serious matter. It is not a threat, its a final good will letter.
Consumer complaint received 2024-03-29
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ONLINE Information Services, Inc. (FL)

ONLINE INFORMATION SERVICES : XXXX XXXX XXXX  XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX I was contacted via phone by this company about a debt from XXXX. Over XXXX years old. I called the utility company and the account is closed and I'm in good standing. The debt collector refused to give me any information or bills and wanted to me to do a transfer of money over the phone. This even if true ... .. is over XXXX years old. Then after stating I had no clue who they were. They are now hitting my credit. This is obviously against the law. Company also has no contact information on the reporting and refused to give me statements.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My checking account was hacked via XXXX at Bank of America. XX/XX/XXXX I received a text from my Bank of America that a transfer occurred. Immediately I called the ( held XXXX minutes ) and told them it was not me. They told me they would freeze the account. While talking to them another one happened and the customer service person assured me they had frozen the account. XXXX more attempts happened in a few minutes. I called them again, " we are aware and stopped the charges ... '' they said. I have called the XXXX times, written to them XXXX times, and they allowed this fraud hack to happen anyways. the bank branches were all closed and every time I called it was a XXXX XXXX minute hold and they transfer you to someone offshore. I asked them to show me proof of their investigation and filed a Sherriff report but the officer said without the bank 's cooperation they have nothing to follow up on. The bank refused to provide who did the hack they only told me it was " XXXX '' a company affiliate. I finally filed small claims and the attorneys for the bank claimed someone in my family did this which is a lie. At the time in XXXX I was in college living with roommates and no one in my family even knew I had an account with Bank of America. Bank of America NEVER answered my written letters sent by USPS to XXXX XXXX the XXXX, and XXXX XXXX who is on their website. The bank makes it near impossible to contact them. The website only posts the XXXX toll free number which I called XXXX times - and the people on the phone do not help customers on purpose the bank does this to save money and not handle problems. The bank was required to write to me in 10 days, they NEVER wrote to me or contacted me about the hack. In small claims they provided a letter which has no return address, no email, no real person 's name to contact and the letter is dated XX/XX/XXXX. The date XX/XX/XXXX is XXXX days after I notified them not including Sunday as the bank is open to business on Saturday. The bank did not follow Regulation E and other federal banking laws. The hacker first stole a dollar then XXXX more charges of about {$800.00} - they tried to transfer {$1200.00} and {$2000.00} more but the bank stopped the larger transfers. I now have read in the news of other people who got hacked at Bank of America Corporation. The bank is aware of the problem but fails to provide adequate security to use this XXXX system. I never signed up for XXXX, and have now made sure it is not connected to any of my accounts. It seems that the bank is not safe and doesn't care a bit about me or it's clients. The bank had an attorney lie in small claims. I want the bank to reveal who stole the money, they know whose account it went in to and who did this but refuse to tell me and they are also required by law to disclose their investigation which they refused to provide.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Lending Club Corp (MI)

I disputed the account with Lending Club requesting validation on XX/XX/2018. I sent a certified letter that they signed for on XX/XX/2018. I pull my credit report after 30 days and noticed that they didn't add " notice of dispute '' to my account. In addition, they had not respond to my compliant within the 30 days allotted. By not replying in a timely manner to my initial letter on XX/XX/2018, they have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

I am attaching supporting documentation that clearly shows they didn't respond in 30 days. They should have responded by XX/XX/2018. Not sending me an email on XX/XX/2018.
Consumer complaint received 2019-06-08
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. (FL)

some time on or about XX/XX/2019, i request a copy of my experian credit report and find there was 31 inquire from this compant list as XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX Fl.XXXX. 31 inquire that need to be remove. and there is some inaccuarte account list on this report that not mind. the report end in XXXX XXXX XXXX # XXXX never late. and the secons one is the account # XXXX XXXX  account # XXXX this card dose had a late fee on it and never late .card # with XXXX XXXX XXXX   account # XXXX never late. this card with XXXX XXXX # account XXXX this acount never late. hereis the real fact this inquirres XXXX XXXX i have neve apply for a loan at XXXX XXXX there are three inqurir from XXXX XXXX need to be remove,
Consumer complaint received 2017-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (CO)

My loan servicer is the problem. Not the school. The loan servicer is Great Lakes the website is greatlakes.org. I choose the 25 year repayment plan. Every time I make an additional payment during the month they keep it and call it " money paid ahead '' they are not applying my extra money to the principal like I choose two years ago. The company wants me to pay {$90000.00} back over 25 years and not apply my extra money to the principal. Today I had XXXX of money paid ahead, now I do not see that. I want a reciept of which loan they applied the XXXX dollars too. The websit and contracting papers, state that if I put an excess payment on my account they can keep it for whatever reason and apply however they want, it also states that they can apply excess money to the principal. I recently paid two payments and they added it to my amount paid ahead rather than apply the payment to principal. Can you all help me?
Consumer complaint received 2017-12-16
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: Experian Information Solutions Inc. (CA)

I have been trying to clean up my credit with Experian and they are not cooperating with me. The other two credit agencies have been great my score with them is over 600 but for Experian they are not clean the negative things off my report. My report should not be XXXX. Even the company that I hired tried to get them to take off the old stuff and they are not doing it.
Consumer complaint received 2018-06-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITYWORTH MORTGAGE LLC (TX)

I applied for FHA loan with CityWorth Mortgage about 3 months ago, and during the loan process I was very clear with them about my financial situation and how much monthly payments I can afford. They initially sent documents that shows monthly payments that are too high for me ( around {$1800.00} ) & I told them i will not be able to complete this loan process given that mortgage payments. They seem to help and send me the final closing disclosure that shows an amount within my financial limits ( attached document ). Therefore I decided to finalize the deal and we did the closing on XX/XX/XXXX. They transferred my loan right after that to XXXX bank, and I made the first two mortgage payments to XXXX bank as agreed on time. Few days ago, the XXXX bank sent me a letter indicating the original loan company made a mistake with taxes and I have Escrow shortage of {$2200.00} that i need to pay in cash, in addition, my mortgage monthly payment will go up to {$1700.00} assuming I paid the Escrow shortage before XX/XX/XXXX. I tried to resolve this with CirtyWorth and XXXX bank directly without luck. It turns out there are two issues that contributed to the Escrow shortage ; homeowner insurance was not finalized and the estimated taxes. I strongly suspect that CityWorth commit fraud by making the mortgage payments within my financial limits so that i finalize the loan process. Based on email communication between Cityworth and XXXX bank ( attached ), CityWorth did not account for all taxes when calculating the monthly payments ( even though all those taxes were stated clearly including their 2017 amount ) - The XXXX agent even pointed out in that communication that he is not sure why i was advised of such lower payments. I can not certainly afford the escrow shortage or the new monthly payments. This situation add tremendous amount of stress to my small family including my XXXX wife.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

In accordance with the Fair Credit Report Act XXXX Account : XXXX Amount Collect : {$710.00} from Creditor : PORTFOLIO RECOV ASSOC, 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 an account without my written instructions.
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

My servicer Select Portfolio Servicing is refusing to allow me to view the original note on my property in a timely manner. They offered me a trial modification that began XX/XX/XXXX and I am to make a payment on XX/XX/XXXX ( which I did ) and XXXX on XX/XX/XXXX and XX/XX/XXXX at which time I am to be given a permanent mod to sign. I have requested to be given the opportunity to visually inspect my original note to SPS loss mitigation division and to the SPS Ombudsman Division that I was told handled those request. Request was Made XX/XX/XXXX on the phone and by email. On the phone I was first told by XXXX in the Ombudsman division that they didn't have my original note and they'd have to make a " custodian '' request to have it found and brought to their office. I was told they should have it in a week. I called a week later and spoke to another employee, XXXX, in the Ombudsman division and I was then told it would take possibly more then 2 months for them to get the original note in their possession. I was verbally told by XXXX that they do not need to provide me the original note showing their investor owns the note in order to have me sign a modification or to proceed with foreclosure. I requested in writing that the trial modification be placed on a temporary hold until SPS can locate my original note and give me access to view it and confirm who owns my note. I do not believe a homeowner should be forced to make payments for a trial mod and sign a permanent mod to a servicer that refuses to provide access to the original note showing ownership of the note. I do not feel an undisclosed time of 2 months or more is considered " timely '' access. The servicer should have access to my original note and should be giving me access to visually inspect it.
Consumer complaint received 2018-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

After XXXX XXXX from the military ( 20+years severed ) and another 16 years working as an XXXX  in the corporate world. I as looking to find something I could do to earn money at home. After some research I received a email about an exciting and new way to earn money legitimately online at home. Initially for sign up and entry into the 21 step program a fee was required. It was advertised to bring big back end commission payouts with out handling any packages, talking to people or directly selling to the customer. Also once the customer signed up a phone sale team was present to handle all of your leads through process. The process was to guide the buyers through a funnel to arrive at the back end for the big payout earned, but first in order to sell the XXXX products a fee was required to buy the license rights to sell. The compensation for the largest payouts and your hard earned lead potential commissions to be pass by and above you, constantly up sold at every turn to position your self to get the back end payout you earned. The best and highest position at the time was to become a Diamond Consultant. A fee for each step Titanium, Platinum and then Diamond, highest was required for best possible position for earning big commissions. The opening of the DISCOVER credit card-XXXX in the amount of {$10000.00} was opened for this reason. To fund the amount of money needed for Diamond membership. Primarily we were guaranteed that this proven system would pay for the money invested with in the first six to eight months. The continued earnings of money ( income ) would then be used to reinvest and grow the company. However the proven system failed to produce what was advertised. Sales did not occur thus the ability to pay the card became increasingly difficult. I was told I would be making more at a rate enough to payoff my investment with in a year and continue to live a comfortable lifestyle. Quality Traffic as we were advised to use was not cheap. I discovered FTC caught on to this companies operations and shut the whole company down ( see FTC attachments ) Close to an overall of {$110000.00} out and a return of only {$4000.00} even with all the additional work I was doing like XXXX XXXX Ads, webinars and XXXX ads in addition to solo ads did not help. I need help! After shut down of XXXX, no service, no products I bought, licensing rights to sell those products, the phone sale team, coaching assistance, member network, website and it services non existent. I have used my savings and about to loose my home and its belonging, this has cause grave hardship and I am lost as to what to do. I need help asap.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MN)

I had had fraud charges on my XXXX XXXX card and reported those charges and the claim was denied because the claim dept said I have not return the claim form, I have sent the form back to them 4 times with a police report. I disputed charges that amounted to the entire balance on the account. Now they have reported to the credit reports as collections and sent me to collection which unacceptable, I have communicated to them for the past several months about this issue.
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. the list of violated my Federal protected consumer rights to privacy and confidentiality under [ 15 USC 1681 ]. 

Account : XXXXXXXX XXXX XXXX XXXX  XXXX - Claim account closed Account : XXXX XXXX XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX. All has violated my rights. 

[ 15 U.S.C 1681 ] section 602 A. States I have right to privacy. Accur [ 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. 
The United States Constitution in clear, 605. [ 15 U.S.C. 1681c - 1 ] 607. [ 15 U.S.C. 1681e ] 622. [ 15 U.S.C. 1681r ] 10 Plus years of consistent Payments on record with this reporting agency.

623. [ 15 U.S.C. 1681s - 2 ] 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 conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

I have made complaint to this organization in the past regarding Bayview Loan Servicing ( hereafter BLS ), and I am not sure if you do anything, read the responses submitted, or have any useful purpose to the consumer, however I made this complaint under XXXX, and want that complaint to be the input for this one coupled with the attached documents. 
BLS via its law firm replied to my last disputes by providing a factually untrue statement with the hope of hiding behind what it stated was the fact that it was in current litigation between the parties, and the issue in my complaint were addressed therein. 
First that is patently false that the parties are in litigation. The case was dismissed on XXXX-18. ( see attachment ) as the case was not ripe for adjudicating. 
Second the issues broached in XXXX dealt with issues of post XXXX-18 and issues that are still occurring with no response even though I have reached out to BLS. 
I have paid off one of my loans XXXX as of XX/XX/2018, and my other loan XXXX will be paid off in either XXXX or XXXX of 2018. BLS is refusing to give me my loan documents and extinguish any UCC 's against my apartment ( XXXX  ) even though it is paid off. They have placed legal fees and escrows illegally on my accounts ( XXXX & XXXX ), and have refused to send me invoices for either of the loans ( which I believe they illegally have been holding ) since XXXX of this year. 
I demand that CFPB require that they put forth a real answer and not the non-sense they have been sending without ever dealing with the issue. 
They are not sending me any correspondence or invoice ( s ) and refusing to communicate in any fashion.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I was calling in on all XXXX of my credit history, and on Experian calls it keep asking me am I still living at this address ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX ) I NEVER EVER OR VISIT OR STAY OR EVEN HEARD OF THIS ADDRESS until I heard it over the phone trying to call in on Experian credit report so am worry it's not reported on any of my XXXX credit report so am confused why and how am getting this message is someone claiming to be me at this address need some support and answers notices this issues more then XXXX time but recently XX/XX/2021
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MN)

I reported fraud unauthorized transactions on my Discover card for the balance on the card. I never got any letters from Discover for claim forms to sign and return back and Discover is calling me everyday with collections on this fraud charges. Also they are reporting negative late payments on the credit reports as a result of this.