davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-25
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. (VA)

I have two student loan accounts open with XXXX  XXXX XXXX in XXXX, PA. The problem at hand occurred in XX/XX/XXXX - XX/XX/XXXX. I had graduated from my university and no longer had access to my XXXXXXXX  email account. For some reason, XXXX  XXXX XXXX was only sending my bill to the XXXX  email address, even though they had my mailing address AND personal email address on file. I didn't notice until XXXX of XXXX that my account was overdue and marked delinquent from no payments from XX/XX/XXXX until XX/XX/XXXX, for 2 accounts, which would equal 16 late payments in total. Upon contacting XXXX  XXXX XXXX, they provided me no resolution and told me nothing could be done except for me paying the overdue accounts, which I did immediately. This practice is extremely unfair and has brought down my credit score significantly, for a problem with this XXXX XXXX agency, that is taking advantage of students by not communicating or providing notification through the proper channels for payment and billing. The fact that it took me 6 months to realize my account was overdue by pulling my credit is very alarming. I could only imagine how many others have faced similar problems with this agency. I have started formal disputes with credit score agencies as well, but have received no resolution on these matter as my credit still stands and these late payments will tarnish my credit score for long-term and prevent me from buying a home. I am not receiving and help or solutions from this XXXX XXXX XXXX department, nor the major credit unions on my dispute to get my credit score fixed so i can move forward. I could even pay off all the accounts in full today, so it's unfortunate that I have to suffer because of a systemic issue of this Federal student loan agency from years ago that made a big mistake and refuses to take the action necessary to make it right for someone to move on in their future and purchase a home.
Consumer complaint received 2020-10-25
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: EQUIFAX, INC. (VA)

I have two student loan accounts open with XXXX  XXXX XXXX in XXXX, PA. The problem at hand occurred in XX/XX/XXXX - XX/XX/XXXX. I had graduated from my university and no longer had access to my .XXXX XXXX account. For some reason, XXXX  XXXX XXXX was only sending my bill to the .XXXX  XXXX address, even though they had my mailing address AND personal email address on file. I didn't notice until XXXX of XXXX that my account was overdue and marked delinquent from no payments from XX/XX/XXXX until XX/XX/XXXX, for 2 accounts, which would equal 16 late payments in total. Upon contacting XXXX  XXXX XXXX, they provided me no resolution and told me nothing could be done except for me paying the overdue accounts, which I did immediately. This practice is extremely unfair and has brought down my credit score significantly, for a problem with this Federal Servicing agency, that is taking advantage of students by not communicating or providing notification through the proper channels for payment and billing. The fact that it took me 6 months to realize my account was overdue by pulling my credit is very alarming. I could only imagine how many others have faced similar problems with this agency. I have started formal disputes with credit score agencies as well, but have received no resolution on these matter as my credit still stands and these late payments will tarnish my credit score for long-term and prevent me from buying a home. I am not receiving and help or solutions from this XXXX XXXX XXXX department, nor the major credit unions on my dispute to get my credit score fixed so i can move forward. I could even pay off all the accounts in full today, so it's unfortunate that I have to suffer because of a systemic issue of this XXXX student loan agency from years ago that made a big mistake and refuses to take the action necessary to make it right for someone to move on in their future and purchase a home.
Consumer complaint received 2019-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion is reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2021-08-10
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)

Dear complain department, I would like to complain because I have unknow accounts in my credit report. I do not know their origins and they are not mine. Please check the information about these accounts and apply the investigation on the case of identity theft. Because I assume that somebody just used my information to file these accounts. 

I am talking about these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have two student loan accounts open with XXXX  XXXX XXXX in XXXX, PA. The problem at hand occurred in XX/XX/XXXX - XX/XX/XXXX. I had graduated from my university and no longer had access to my XXXX email account. For some reason, XXXX  XXXX XXXX was only sending my bill to the XXXX email address, even though they had my mailing address AND personal email address on file. I didn't notice until XXXX of XXXX that my account was overdue and marked delinquent from no payments from XX/XX/XXXX until XX/XX/XXXX, for 2 accounts, which would equal 16 late payments in total. Upon contacting XXXX  XXXX XXXX, they provided me no resolution and told me nothing could be done except for me paying the overdue accounts, which I did immediately. This practice is extremely unfair and has brought down my credit score significantly, for a problem with this XXXX XXXX agency, that is taking advantage of students by not communicating or providing notification through the proper channels for payment and billing. The fact that it took me 6 months to realize my account was overdue by pulling my credit is very alarming. I could only imagine how many others have faced similar problems with this agency. I have started formal disputes with credit score agencies as well, but have received no resolution on these matter as my credit still stands and these late payments will tarnish my credit score for long-term and prevent me from buying a home. I am not receiving and help or solutions from this XXXX XXXX XXXX department, nor the major credit unions on my dispute to get my credit score fixed so i can move forward. I could even pay off all the accounts in full today, so it's unfortunate that I have to suffer because of a systemic issue of this Federal student loan agency from years ago that made a big mistake and refuses to take the action necessary to make it right for someone to move on in their future and purchase a home.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2021 I made an early manual payment to my credit card ending in XXXX for the amount of {$4500.00}. On XX/XX/2021 ( due date ) I saw that another payment for the same amount of {$4500.00} was paid again on the card. I did not create this duplicate payment. 

I reached out to Bank of America on the XXXX to undo this duplicate payment as I had bills coming on XX/XX/2021 ( mortgage etc ). They refunded the money and said it would take 2-5 business days and not to worry that will be prior to XX/XX/2021 when my bills were due. On the 6th business day I called saying why the duplicate payment was not reversed and was told that because of the amount, it is going through fraud which will take up to 10 business days. More than 10 business days have passed and, as of the date of this complaint ( XX/XX/2021 ) I still have not had the duplicate payment reversed and I have had to deal with late payments on bills due on the XXXX of XXXX because Bank Of America refuses to refund the duplicate payment
Consumer complaint received 2020-11-30
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. (AL)

My account was on Autopay with XXXX XXXX XXXX XXXX for a phone which I bought. I bought a new phone with XXXX and I was informed that the Autopay on my account was kicked out due to a new purchase on my account authorized by XXXX. I was never intimated on this decision, either offline or online. The credit bureaus informed me on Saturday ( XX/XX/2020 ) that this account is 'past due, ' which is due to no fault of mine. I have never missed a payment with any of my lenders including XXXX XXXX so far ( check my credit history for details ). As soon as I learned about the situation, I paid the amount due immediately ( including the late fees, which are again no fault of mine ). I was instructed by the customer service that I will receive a call from the supervisor within 24 to 48 hours, which was not fruitful. When I observed the autopayment screen on my account, it constantly showed 'Enabled. '
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020, I contacted capital one concerning my late payments due to the pandemic. I was told that there is nothing they can do about it and they can't take it off my credit. I can't get a mortgage loan due to these late payments. 
The company could not help me with this unfair situation. Right now I'm up-to-date with my payments and they can't still do nothing about it.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In a accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 2022-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a call from a scammer who posed as a Bank of America employee. The person induced me into believing my account had been hacked and fraudulent charges were being made. The scammer then had me verify codes that were sent to my phone and used those to change my account password and initiate a wire transfer. The Scammer then advised me that he was setting up fraud alerts and that I needed to reply yes to one and no to another. The text came in and I replied yes believing this was a test fraud message from a Bank of America employee. I was induced by false means into replying yes to a fraud alert asking if I authorized a wire transfer, which I did not. Under regulation E if I am induced to authorize a transaction by fraudulent means then I should not be liable because I was scammed. I filed a claim with Bank of America and they denied my claim stating I authorized the transaction by text. However the authorization was obtained by fraudulent means.
Consumer complaint received 2020-11-15
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. (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Consumer complaint received 2020-11-15
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. (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-11-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

Freedom Mortgage Corporation assumed my Mortgage Loan a year ago. 
Soon afterwards Freedom Mortgage refinanced my Mortgage Loan and then lowered the interest rate with IRRRL. 

Because of the above transactions Freedom Mortgage was given all information about my property from the title company concerning taxes, liens and owners. 

I am a 100 % XXXX Veteran thus my property taxes are exempt by the authority of the State of Pennsylvania. Freedom Mortgage Corporation was made fully aware of this fact during the three transactions that passed. 

Freedom Mortgage Corporation has demanded that I pay an increased Escrow amount every month although my taxes are exempt. Freedom Mortgage Corporation also refuses to document that my taxes are exempt due to being a 100 % percent XXXX Veteran and continues to erroneously evaluate and calculate my monthly mortgage. 

I have contacted Freedom Mortgage Corporation over six times and was referred to a tax department. Their tax department told me that Freedom Mortgage Corporation tried to contact the XXXX County Tax Department but did not get an answer. 

I am asking for the Consumer Protection Financial Protection Bureau to remind Freedom Mortgage Corporation that my property taxes with XXXX XXXX XXXX are exempt and that All Veterans that are 100 % XXXX are entitled to the Tax Exemption Benefit that is Authorized by the State of Pennsylvania and Shall Not be denied or Inhibited by any mortgage company or corporation. In light of this I am asking that Freedom Mortgage Corporation adjust my mortgage to the correct amount. 

I am asking for Freedom Mortgage Corporation to Honor the State of Pennsylvania Tax Exemption for 100 % XXXX Veterans without further delay and to document such status at the very start of the every VA Mortgage Loan and to place such status on file to be reviewed and considered before taking collection action upon any 100 % XXXX Veteran with a Mortgage Loan and to consider the fact that since most 100 % XXXX Veterans have enough to struggle with when dealing with everyday life and they really don't need to worry and struggle with paying extra mortgage that is not due. 

I have provided Freedom Mortgage with a copy of my Exemption Approval along with my parcel ID Number issued by XXXX County PA.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am attaching a credit report from XXXX XXXX XXXX my lender is using for a mortgage loan I am in escrow for. Capital One / XXXX XXXX XXXX is showing 90 day late delinquencies in late XX/XX/XXXX and early XX/XX/XXXX that are unequivocally false and incorrect. I was not late at all during those times, in fact, the account has been charge-off since XX/XX/XXXX. Their ca n't possibly be lates after an account has been charged-off. 

I am in a dire situation as my mortgage process is completely on hold until I clarify the error, and prove to my lender that the 90-day lates reporting are absolutely incorrect and did not occur on the dates reporting.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

This purported trust claimed to foreclose on a mortgage contract that never consummated in violation of MGL Ch XXXX sec 63 b and has since attempted to sell this property in violation of the bankruptcy laws.On XX/XX/XXXX, I signed documents that I understood was a mortgage and note from lender, XXXX XXXX XXXX XXXX XXXX, mortgage loan # XXXX, at XXXX XXXX XXXX., XXXX, MA XXXX. XXXX XXXX, Massachusetts as shown in the deed recorded at XXXX County Registry of Deeds book # XXXX page XXXX. 

According to the XXXX County Registry of Deeds stamp at the top right of the page, a purported Assignment of Mortgage to XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for the Benefit of the Certificateholders XXXX, XXXX. Asset-Backed Certificates, Series 2007-9, was recorded on XX/XX/XXXX at XXXX XXXX. in Bk : XXXX Pg : 23-24 Page : 1 of 2 As of XXXX XXXX ( the settlement date ) funds were supposed to be disbursed to XXXX credit card XXXX in the amount of {$560.00}. After 11 years when XXXX discovered they had not been sent, the funds were reissued on XX/XX/XXXX. This was after the purported foreclosure took place on XX/XX/XXXX as recorded by the foreclosure deed that was filed in the XXXX County Registry of deeds on XX/XX/XXXX at XXXX in Book # XXXX page XXXX. 

XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for the Benefit of the Certificateholders XXXX, XXXX. Asset-Backed Certificates, XXXX XXXX, is registered on the Securities and Exchange Commissions public website as a purported XXXX trust with its constituting document, ( known as the Pooling and Security Agreement at : https : //www.sec.gov/Archives/edgar/data/1401795/000090514807004515/ecf-1677_ex41.htm This trust never existed and the contact never wa consummated in violation of the statute. The Massachusetts Division of banks sent Industry letters in XXXX and XXXX warning about this and possible sanctions.