davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

( 1 ) I believe I have been mistakenly put on a path through the application process for a Modification when a XXXX XXXX, 2016 Bank notification of intent to Accelerate triggered me to call the bank 's Customer Service team and the rep began me on the path of a Modification Application which I submitted XXXX XXXX via a designated single point of contact. I feel like the situation is overwhelming and spinning bigger and bigger out of control as I have discovered from reading various bank communications to me that a much better and simpler option would be what Bank of America describes as a " Repayment Plan that allows you to make your regularly scheduled mortgage payments plus pay off a portion of the past due amounts overtime. '' ( 2 ) Separately regarding the distinct, separate Modification Application process and review Bank of America Representative XXXX XXXX in our long conversation said more than once regarding all of my issues and questions raised that, " Your points are valid and you need to take them back to your Bank of America single point of contact. '' I have attached my written questions and requests made to my bank designated single point of contact here which lays our requests and questions to considered and addressed. Please note I have documented copies of all communications from the bank listed in the chronology of the attached letter. My assumption is the bank also has these in their database however I can provide upon request.
Consumer complaint received 2022-01-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2017-12-01
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. (CA)

Ran my credit report early XXXX XXXX Note a negative collection action placed on my report as of XXXX XXXX - {$680.00} XXXX XXXX XXXX XXXX o Collection was dated as active in XXXX, for services in MD in XXXX o I left MD in XXXX to move out of state Agency acknowledged they had received my letter and would send me letter Reached out to original creditor - XXXX XXXX, informed of {$570.00} debt and that theyd sent itemized bill to agency o Never contacted by collection agency, nor notification that collection would be placed on my credit report Sent let of dispute to agency letter requesting verification of letter of original debt XXXX/XXXX/XXXX, per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Called agency to request letter on XXXX/XXXX/XXXX Received itemized bill from original debtor XXXX/XXXX/XXXX and attempting to close out debt Have yet to receive any communication from agency regarding debt
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/year>, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Consumer complaint received 2022-01-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (DC)

I have 3 private loans with my loan servicer. I have registered an account with their website. I used the website to get my most recent statement with a due date of XX/XX/2022. It only shows 2 of the 3 loans. I called the customer service department on Monday Tuesday XX/XX/2022 at approximately XXXX. The representative I had was very helpful. She connected with someone in the IT department. The IT person said " the system should not do that '' and then provided no further guidance. We reached a second IT person, who said they will look into it and contact me within 24 hours. I have not heard from them. This is a time-sensitive and urgent issue to receive a FULL statement for all three loans and their pay-off amounts, which is my right.
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Contacted my mortgage company by phone and mail to request that my payment remain the at 3 % and not be changed to the 3.75 % as scheduled for XX/XX/2021. my request was that the interest match the current rates that were less than 3 %. 
The current payment was the result of a mortgage modification my payment were lowered. 
I was advised over the phone that the case was closed because I did not return forms. I asked when the forms were sent out because i never received them. Asked if they could be sent again As of XX/XX/2021 there have been no acknowledgement of my request. The never received comment reminded me of my bad experiences with XXXX 's XXXX
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

There is an incorrect address on my report : I have not lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are several issues regarding the reporting on my credit file on all three of the Bureaus reports. These misreported items have made it impossible for my XXXX XXXX to get a loan to purchase a new building which we are in desperate need of. XXXX has also re-reported old information which affected my score in a very negative way and then it took months to have it removed after I had already paid an attorney to help me remove it the first time. I have no outstanding debt and always pay everything on time yet my credit score is below XXXX. 

In in XXXX of XXXX a charge-off from XXXX XXXX XXXX was reported. It shows as a derogatory mark, this is misreported. In fact The debt to my second mortgage was forgiven and I have documentation to prove that ( see attached ) In XXXX of XXXX a closed Mortgage account was reported. It states that the account was 120 past due. The account was closed with a XXXX balance because the home was sold, however the manner in which it was reported shows it as derogatory. The home was sold in a short sale and I have documentation that shows that I made all of my payments on time as directed by the bank, some payments were stopped during the sale. 

On XXXX XXXX I received an alert from XXXX that there was a change to my credit report. 
To my horror I saw that they had reported an old tax lien and it was back on my credit report. I had actually paid off the IRS and paid a lawyer to help me remove this item from my report it was removed successfully so when I saw that XXXX had put it back on I immediately contacted XXXX. I was not able to get anyone on the phone and disputed the error via the internet.
Consumer complaint received 2018-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Optimum Outcomes, Inc. (NV)

They use an automated calling system that states they are calling to collect a debt, and use my full name. The message then says if you are not this person please hang up and do not listen to the message. They repeat my name. Where is the privacy? They also called me at XXXX on a SATURDAY. My name alone should be the biggest indicator that I am or could be XXXX and it's the XXXX. If they are truly calling for me, for a debt I owe, than regardless of my phone number, they should know I live on the west coast.
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc. (FL)

The Bureau shall seek to implement and, where applicable, enforce Federal consumer financial law consistently for the purpose of ensuring that all consumers have access to markets for consumer financial products and services and that markets for consumer financial products and services are fair, transparent, and competitive in agreement with 12 USC 5511 ( a ). In addittion, a timely regulator response to consumers in 12 USC 5534 ( a ). Please see attached for Professional Debt Mediation XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX.
Consumer complaint received 2018-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/XXXX ... there was an unauthorized hard inquiry placed on my credit. I am just now seeing it this year.After contacting XXXX XXXX ... the parent company this XX/XX/XXXX ... they've contacted the subsidiary in which ran my credit : XXXX XXXX. They did the research and found that there's no way I authorized my credit to be ran. They've sent the request to all credit bureaus to have the hard inquiry removed ... XXXX ... Transunion ... nor XXXX   have done such. The inquiry is STILL on my credit!
Consumer complaint received 2017-12-01
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (IL)

I applied for a reverse mortgage for my Mom to stay in her condo and was approved XXXX/XXXX/XXXX. She XXXX XXXX XXXX and although we hoped her to have XXXX and get her back she was never able. During this time they guided me to what they needed and what I needed to do. 

Mom XXXX XXXX XXXX, XXXX. I had a XXXX XXXX XXXX XXXX. I called them in XXXX and found out what was needed. XXXX XXXX, Trust, Letter of Intent, Appraisal & monthly checking in.

I contacted them via fax and/or phone conversation with three different staff on XXXX XXXX, XXXX XXXX and XXXX XXXX. I have all the handwritten notes supporting this. I was told a new timeline would begin not based on Mom not returning but on her XXXX which got me to XXXX XXXX. 

XXXX XXXX, XXXX I called for my monthly check in and was told the loan was due XXXX XXXX, XXXX based on Mom not returning. 

I asked for a supervisor and went over all the times and the staff who shared information on the new extension date. Her response was that the staff were either no longer with the company or were in training at the time. She would not work with me at all on their mistake. Mom 's condo was listed in the morning on XXXX XXXX, XXXX. 

The supervisor told me unless I paid the loan by XXXX XXXX they would no longer manage the loan and it would go to a foreclosure lawyer to accept the process to begin a foreclosure. The condo sold and we closed XXXX XXXX and I ended up paying {$3300.00} to the lawyer and another {$880.00} for I do n't know what as it also was in the amount collected at closing on the XXXX statement under the line of Mortgage Payoff Good Through XXXX/XXXX/XXXX to Ocwen Loan Servicing.

This is not right. For the servicing company to advise me of an extension that was not honored and I am out {$3300.00} to the lawyer and another {$880.00}. 

Respectfully asking for that money to be returned to me. 

Thank you I have all the notes to include dates, names, phone numbers and conversations I had regarding this.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (CA)

This debt collection company has been informed of my id theft issue properly by Receiving a copy of the fraud affidavit and continued to report it to the CRAs anyway. That affidavit is backed by seperate FTC reports and on several occasion have made it clear that it is a pay my bills situation when asked to explain myself and the docs I have them Z I have sent me several threatening letters promising legal action and made calls to my work.
Consumer complaint received 2017-12-01
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: DISCOVER BANK (NJ)

discover refuses to provide debt validation. yet keep reporting me.i have requested debt validation many times. nothing. i have asked for a call for a debt settlement figure nothing. 
i have asked for emailed statements since i have no mailing address nothing.but they keep reproting me despite a cease and desist letter i sent please intervene. not just send it to them and accept the same old script they give
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (CA)

In reviewing my credit report I noticed an account in collections with IC Systems ( XXXX ) from services provided by XXXX XXXX XXXX XXXX, years ago. I closed the account with XXXX XXXX XXXX which had been on 'autopay ' every month through a credit card. I returned all the equipment via mail to XXXX XXXX XXXX as directed. The amount in collections is an even {$200.00}. 

Reasons to believe this is not accurate & have it removed from all credit reporting to XXXX and XXXX : - If I was on autopay, how could this ever have had a balance to go unpaid - The even dollar amount is suspicious as these types of services are never an even amount - XXXX XXXX XXXX wo n't speak with me because the account is closed - XXXX XXXX XXXX continues to seek my business, why is this if I was a delinquent customer? 
- This does n't appear on my XXXX report. 

With the reasons above, please have this removed immediately.
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

We began searching for a mortgage back in XXXX 2016. We started working with Wells Fargo Home Mortgage and on XXXX we gave them {$530.00} for a home appraisal. While in the process we decided not to proceed with them and canceled the mortgage file. Before the funds were given for the home appraisal, the loan originator, XXXX XXXX, advised me that if we cancel before the appraisal is completed we would be reimbursed that fee. We cancelled the file on XXXX/XXXX/2016. Since we have not received a reason of why our funds have not been reimbursed and we are no longer getting a response. I was informed on XXXX his Manager, XXXX, would take care of the request. Again, no response.
Consumer complaint received 2018-03-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION (UNITED STATES MINOR OUTLYING ISLANDS)

got a call from this # XXXX. they told me that my payday loan that I took out in 2012 was send to them and if I don't pay it, I will be arrested. I have this on recording.

they told me that they will serve me and if don't pay by Monday, I will be arrested. first time they told me I owe about {$1800.00} and the 2nd time I called to get the name of the business they told me that they are the company that serve papers and I owe XXXX I asked them to stop contacting my family members but they refused.

I'm very scared because I thought I paid everything I owe few years ago and there was nothing else on my credit.

I called check and go and told them I can payoff the amount today but they told me that they don't have it any longer. i also ask them to email me the information, they said they already have but I couldn't find anything
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

How did it go through from {$1800.00} and {$1400.00}? SO MANY INACCURACIES ON THIS ACCOUNT. IT WAS REMOVED 3X TIMES AND NOW IT COMES BACK WITHOUT PROPER NOTIFICATIONS AND RE-INSERTION NOTICE. THIS IS A VIOLATION! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2017-12-01
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have called twice to XXXXXXXX XXXX requesting an explanation and a copy of the transcript of how I was authorized a credit card without my approval. Because of XXXX authorizing a balance transfer without my approval, my credit score took a significant hit due to 100 % utilization on the new card. I was made aware of the negative impact to my credit score, to my surprise, when I applied for a loan for a new property.
Consumer complaint received 2016-06-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (FL)

I ca n't believe how much interest rate I was charged for a XXXX dollar loan I was charged XXXX dollars in interest that 's 360 % I have paid off my loan. I hope you can do something so some one else from being taken advantage of.