davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-30
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

XXXX XXXX XXXX, XXXX ( hereinafter " XXXX '' ) is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX '' ) took out a Loan No. XXXX with XXXX. ( See " First Attachment ). To secure repayment, the XXXX executed a Mortgage Loan No. XXXX with XXXX ( " XXXX '' ) as nominee for XXXX, which was recorded in the Bureau of Conveyances of the Federal State of XXXX as Document Number XXXX. ( See " Second Attachment '' ). Shortly thereafter in XXXX, XXXX claims and states that it sold its Loan No. XXXX to Countrywide Home Loans , Inc. ( hereinafter " CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC. '' ). ( See " Third Attachment '' ). CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC., states in a XXXX XXXX, XXXX " NOTICE OF INTENT TO ACCELERATE '', that Conduit Loan Account No. XXXX between the XXXX and unknown investors is in serious default. ( see " Fourth Attachment '' ). CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC., states that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the Bureau of Conveyances of the Federal State of XXXX as Document Number XXXX, BANK OF AMERICA , N.A . FDIC NO. XXXX is now the mortgagee of record for XXXX Loan No. XXXX. ( see " Fifth Attachment '' ). A Notice date of XXXX XXXX, XXXX, CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC., shipped to the XXXX a " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN ''. ( see " Sixth Attachment '' ). On page XXXX, number XXXX, reads the origination date of XXXX XXXX Account XXXX. XXXX between the XXXX and unknown investors was on XXXX XXXX, XXXX. On page XXXX, numbers XXXX and XXXX, also states that the XXXX XXXX Account XXXX. XXXX was transferred on XXXX XXXX, XXXX, to a New Creditor : BOFA MERRILL LYNCH ASSET HOLDINGS, INC. ( see " Fifth Attachment '' ). Since XX/XX/XXXX, for over two years, BANK OF AMERICA , N.A . FDIC NO. XXXX has been attempting to seize and steal the XXXX House and Property.
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (WI)

During the pandemic starting in the beginning of XXXX, I was so behind on bills. My employment suffered which made things not better. I also caught XXXX XXXX as well. But I do remember a settlement letter from XXXX XXXX XXXX who represents BEST BUY about settling the account for XXXX. I immediately jumped on it because I had to catch up. It took me 4 payments and I even got a letter from them stating that it's paid. On my credit report though it states that they closed the account and charged the amount off, but it still saying XXXX dollars is still past due. INACCURATE. I had a similar debt with XXXX XXXX in which I also settled with them. They closed it and there is no balance due showing on my report. So why can't BEST BUY do the same. I just want it show closed with XXXX balance
Consumer complaint received 2017-09-08
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: General Motors Financial Company, Inc. (GA)

I did not authorize this company to pull my credit onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and it is affecting me getting credit.
Consumer complaint received 2020-10-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WSFS FINANCIAL CORPORATION (FL)

XXXX XXXX took over this debt around 2017. The debt in questioned a principal balance amount and a Non Interest bearing amount of approximately $ XXXX. I tried to negotiate a payoff with the holder of the debt XXXX whom XXXX would not provide me with the contact information. I dealt with an individual at that time called XXXX XXXX who made me complete a hardship form, against my wishes in order for me to attempt to negotiate a payoff. I wanted to payoff the loan and my reason was not as a result of a hardship. I stressed this over and over again and he said. " If you want to try and do this then you have to fill it out '' I reluctantly did and the following he call and said very curtly that it had been declined without providing me a reason. 

It was then that XXXX began harassing me accusing me of non payment. In the past 2 1/2 years I began receiving calls from XXXX  representatives informing me that this is an attempt to collect a debt. On each occasion I have been accused of non payment. 

The problem : My principal balance is not at XXXX cents. I have been making payments on time each and every month yet XXXX seem unable to apply my payments. Instead the monies are not applied but are shown on the statement listed as an " Unapplied payment ''. This is when the phone calls begin stating that they are attempting to collect a debt. 

I have attempted on countless occasions to resolve what is a payment processing problem by XXXX. I have spoken to numerous individuals who have apologized profusely and have promised that they will rectify what they have admitted to me is their problem. This has never been achieved and every 3 months I begin receiving calls from XXXX representatives attempting to collect a debt. I am going to attach the escrow statement that I received from XXXX when they last denied my claim to have late fees removed. 

During this time XXXX  have sent people on at least 3 occasions to the property. A property that my XXXX year old mother lives in. These individual were taking pictures of the home. My mother called me distraught that she was getting thrown out of her home. 

I have tried my best to be reasonable with XXXX  XXXX  and after almost 3 years I have given up. 

I have attached the escrow account provided to me by XXXX showing the numerous occasions where I had to request return of late fees. 

I would like to report XXXX for harassing myself and my mother for almost 3 years.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This serves as a subsequent complaint regarding the outstanding accounts requiring appropriate action to ensure the utmost accuracy on my credit report. Once again, I am requesting another investigation into the following items : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$4200.00} XXXX XXXXXXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXXXX/XX/year>
Consumer complaint received 2019-10-25
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (MA)

On the process of transferring this account, I asked you on where I should send my payment for XX/XX/2019 and you told me to wait until the process is done and now you are reporting me with 30 days late on XX/XX/2019. This is unacceptable! Also, This account is transferred/sold. There should be no late payments on this account. 
I believe that I had made my payments to you when I received my statements. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2017-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I initiated a Funds transfer of {$2500.00} from XXXX XXXX on XXXX XXXX to CapitalOne. This transfer was initiated through CapitalOne mobile application. On XXXX XXXX at XXXX XXXX I received a notification from CapitalOne as confirmation via email that my transfer had been initiated and funds would be delivered by XXXX XXXX, XXXX. After 2 phone calls escalating the issue I was told funds would not be available until XXXX XXXX. This is only the most recent example of delayed transfers. This is a recurring problem.
Consumer complaint received 2024-02-17
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. (MI)

Experian is reporting several inquiries that do not belong to me. 

Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian Experian XXXX Experian
Consumer complaint received 2019-10-25
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: Onity Group Inc. (AZ)

I have been paying for my Mortgage through Ocwen Loan Services, and it seems my mortgage has been moved to another company called XXXX ( PHH Mortgage Services ) I need PHH Mortgage Services to report my account information and payment history to the 3 major Credit Bureaus.
Consumer complaint received 2017-07-05
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: EQUIFAX, INC. (FL)

Since XXXX XXXX, 2017 I have asked XXXX XXXX XXXX and the credit bureaus that they formally substantiate all account history data XXXX XXXX XXXX transmitted to credit reporting agencies for me, regarding the suspicious account. My letters have largely been ignored by each credit reporting agency. I have not received an answer. They have all failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX XXXX and the credit reporting agencies are being willfully non-compliant in my request for verification of debt. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I noticed there are several incorrect, obsolete and unknown addresses reporting on my credit reports. I have sent two letter to all the credit reporters around XX/XX/XXXX and XX/XX/2022 ( regular mail ). asking each of them please remove them. 

30 days have long since passed, without any response or taking action to remove the obsolete or incorrect information requested. As we all know, this is a violation of the FCRA. I made two attempts and have not received any response from either.
Consumer complaint received 2017-09-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

I have been trying to get a loan modification from Select Portfolio Servicing for 4 years. At one point, they did send me a letter stating they had all the documents but then ended up starting another application. My financial hardship began with the loss of my job, terminal illness of my husband and just got worse. I stayed in contact the whole time with SPS and it was always the same response - they did n't receive all of the documents. At one point my application got caught up because they insisted I send in a copy of my cashed XXXX check. This would have to be obtained from the US Treasury and is impossible to get. They have ignored my requests and I submitted a loan modification offer. After submitting this offer, I was confused as to which modification application we 'd be working off of and knew they could not proceed with both as it would be dual tracking. Due to this and the XXXX this has all caused me, I was working on the documents needed. In the meantime, the foreclosure was not cancelled - again, dual tracking. With the foreclosure scheduled, SPS had no intention of ever giving me any type of modification and is now trying to foreclose illegally.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CBE Group, Inc. (CO)

I had a delinquent account with XXXX XXXX XXXX and the account was sent to CBE Group for collections. I sent a payment to the company via money order and the company did n't receive it or denies receiving the payment. I contacted XXXX XXXX XXXX directly  and submitted several payments until the debt was paid in full in XX/XX/XXXX. 

CBE ( XXXX ) XXXX, and XXXX ( XXXX ) XXXX both continue to report the bill as delinquent. On XX/XX/XXXX, I sent them both copies of money orders proving the bill was paid, but the account is still reported as delinquent. 

I contacted XXXX XXXX XXXX, Closing Bill Unit, ( XXXX ) XXXX, on XX/XX/XXXX, and was informed that the account was released from CBE in XX/XX/XXXX, and XXXX XXXX XXXX submitted another request to have my account updated on XX/XX/XXXX. 

I do n't know what else to do.
Consumer complaint received 2016-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (VA)

I 'm still not getting any customer service from suntrust. When I was finally able to get to a person on XXXX XXXX, it was XXXX XXXX and she told me she would have XXXX XXXX call me the next day, XXXX XXXX. She either lied to me like everyone else has and did n't tell XXXX XXXX to call me or XXXX XXXX just chose to not call me as she has repeatedly done in the past. I called again on XXXX XXXX and XXXX XXXX answered and I told her I wanted to speak to XXXX supervisor. She told me XXXX supervisor was not available, which I believe was another lie, but again she told me she would have the supervisor call me. I gave her my cell number, even though they should already have it, and I asked when I could expect a return call. XXXX XXXX told me the response time was 24-48 hours. I did n't really expect a return call because no one has ever returned a phone call when they said they would. After waiting the 48 hours, I called AGAIN on XXXX XXXX at XXXX. I got a recording that all the associates were busy and my wait time was less than 5 minutes. I think they just turn these recordings on after XXXX so they do n't have to take any more calls because the recording usually says the wait time is greater than 10 minutes. But even the recording LIED because I waited on hold for 20 minutes even though the wait time was supposed to be less than 5 minutes and after the office was closed. I knew nobody was going to answer the phone after XXXX. While I was on hold, there was also a message that came on several times saying if I wanted to leave a message, press XXXX and someone would return my call within 24 hours. Another LIE. No one has ever returned a call within 24 hours. EVER. They do n't return calls at all. 

I have to pay them XXXX dollars every month because if I do n't I 'll lose my house but they wo n't tell me the truth or return phone calls. This is completely unacceptable and should not be allowed to continue. They have negative comments all over the internet because I 'm not the only one they 're doing this to. I pay my mortgage on time every month so when I have a problem and need assistance I should be able to get it from people who are n't in the business of intentionally lying to me.
Consumer complaint received 2022-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-09-09
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. (NC)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2024-05-21
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: Upstart Holdings, Inc. (PA)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. This negative rating has caused me severe financial and emotional distress and will continue to do so until it is resolved.
Consumer complaint received 2022-09-08
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. (FL)

In accordance with the Fair Credit Reporting act, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Credit inquiries I don't recognize those Hard Inquieres in my Credit Report : - 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 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 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 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 2021-09-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NC)

I have been trying for several weeks to settle or pay off the amount that I owe. Every time that I call, I am told that I need to call back at a later time because the department that handles my case is not available. For whatever reason, they never seem to be available, and there is no additional number to call for assistance, or an email address. 

Today alone I called 5 times. The first time I was hung up on, the 2nd time I was told that the department couldn't be contacted and maybe in a meeting, 3rd I was told the call back 20 minutes later, the 4th time I was told to try calling back again, and the final time I was told that the team would not be avaiable until tomorrow. 

This has happened to me on countless occasions. I am trying to pay off this debt so that I can be frr of it an XXXX feel like I am being penalized or just being manipulated at this point. I have even reached out via email, via customer portal, and customer chat, with the same responses every time ( the department you need to reach is unavailable ). 

Can someone please help me with this.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (ME)

I was attempting to enroll in Trusted ID Premier / Equifax in order to lock my credit information. The link they sent to my email address only allowed me to register information to verify my identity ( which was successful ) but never continued forward to provide required password information. Instead, the registration screen froze for one hour, after which time I disconnected from the site and attempted to try the email link again. The site then instructed that I had already activated my account and to log on to the Trusted ID Premier website. However, because I do not have a password, I can not enter the site. Attempting to re-enroll was not successful, nor was attempting to use the provided email link repeatedly. Thus, while Trusted ID Premier states that I have an activated account, I can not access it without a password. I tried calling two of their phone numbers over a period of days but wait times were excessive, yielding no results. Dates involved :XX/XX/XXXX
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NC)

Hi. Thanks for your help. I've had a problem with XXXX reporting usage of my credit card with them for over a year. Yet when I call the company there is a remaining zero balance, no usage in several years and they told me in approx XX/XX/2022 they would correct the issue when it showed a 20 % usage and now the XXXX report I received today shows usage of over 50 % with a balance of over {$1000.00}! I don't have excact date I contacted them but can get the info if needed. I'm going to close the acct all together because this keeps happening.
Consumer complaint received 2017-09-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Finance LP (PA)

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and  the clients right to counsel.