davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VALLEY NATIONAL BANCORP (NY)

Started a discussion of mortgage refinance on XX/XX/2020 for the loan amount of $ XXXX, no cash out with a Valley National Bank employee. The primary goal is to achieve a lowest rate since I am at 4.875 % .The nuance is my cooperative building is high sponsorship, therefore, it is typically not FNMA approved. I am aware that many banks because of this will only offer portfolio loans and not loans intended for the secondary market.Therefore, when I reached out to the loan officer, the building not being FNMA approved is the first thing I disclose via e-mail. This is something I will tell upfront to avoid the exact situation Valley National Bank put me through. I was offered 3.25 % 30 year fixed rate mortgage. 

We move forward with the process at good pace, appraisal came in a little lower than anticipated. The loan estimates and application were all based on the offered 3.25 % 30 year fixed. I also agreed to a 0.50 % fee to compensate for the higher LTV. As you can tell, the rate was my primary focus as I'm willing to pay XXXX bps. All seem to be coming together just fine and as I expected. At some point, officer even called and encouraged me to lock the rate which I did without giving it much thought. At this juncture, out of pocket was an application fee of {$490.00}, coop questionnaire and master insurance binder for {$320.00}. On XX/XX/2020 I was notified via e-mail that the loan was NOT FNMA approved due to high sponsorship ( exact thing I told the loan officer ) and the bank is offering a portfolio loan for 3.875 %, bi-weekly payments and ACH setup. Logically speaking, it is very unlikely for a consumer such as myself to spend over a month, disclose all my confidential private information, pay almost a grand upfront for Valley National Bank to confirm that the building is not FNMA approved. I am aware FNMA has a list for approved coop buildings so this was a simple easy checklist item. At this point, it seems to be a classic switch-a-roo. 

I respond to the email indicating how upset I am with the institution. Also noting that I disclosed that it was not FNMA approved at the beginning of the whole ordeal. The banker does not respond for over a week. I take the initiative to e-mail them again summarizing all those points again, decline their portfolio offer and tell them I expect the fees to be refunded. The very next day I get another e-mail stating a refund on the {$490.00} application fee has been processed. At no point did the institution admit oversight or assumed responsibility, provide a reasonable solution or adequate explanation addressing my concerns about this case being a bait and switch or the professionalism of the staff. If I was offered/quoted a 3.875 % 30 year fixed when I inquired, I would have declined and never started the process. I believe this merits some level of attention. We can't have bankers mislead consumers, get them started in the process, and pressure them to close on a higher rate.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NC)

I had a citi secured card in XXXX  that was closed due to fraud that accrued after I was a victim of XXXX XXXX XXXX my account was closed an I never missed a payment or did anything for my account to be closed I recently found out that I was a victim of identity theft i have been calling for years to get this straightened out and to get my account back thos has caused me to lose account history and I would like my account reinstated as I didn't do anything to cause this
Consumer complaint received 2019-05-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I'm a veteran, In XXXX I took a huge pay cut, I have a mortgage through Bank Of America and was forced out due to foreclosure threats from them. I did make an attempt to file a deed and lieu, and sell the house, but BOA declined all offers to help. After 10 years of this, and 7 years of renting in another city, I applied for a VA mortgage to buy another home i'm being told that the deed in lieu was never filed by BOA. I'm thinking it is ok to buy another home, but that is not the case. I'm looking for someone to look further into this issue for me.
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (NJ)

The Mortgage company which is servicing my loan is doing the following to trigger this complaint- 1. I use their automatic telephone payment system and have been paying additional amount, over and above my regular payment so that the additional payments are applied towards my principal. Additional payments were always applied to reduce my principal. 2. However in the month of XXXX the additional {$2000.00} I paid were not applied to reduce my outstanding Principal but were left as unapplied partial payment.
Consumer complaint received 2016-11-17
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC (GA)

J.H. Portfolio is believed to be about the XXXX fourth party that this account has been transferred to. I am not in agreement with the balance that the mentioned party here has listed on my credit report ( s ). Therefore, I will attach a Letter of Explanation about this situation, in order to help explain my dispute.
Consumer complaint received 2015-05-11
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

Asst Acceptance LLC purchased my credit card debt from the XXXX XXXX XXXX XXXX. I filed bankruptcy and XXXX purchased the debt. They refused to correspond with me to send statements that the money I paid them was being applied to the debt. They also charged interest and refused to credit the payments to the debt.
Consumer complaint received 2022-06-16
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. (FL)

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXX  Bankruptcy : Bankruptcy XXXX. XXXX, 2017 {$0.00} Discharged Overview Reference Number XXXX Date Filed XXXX. XXXX, 2017 Classification Bankruptcy Type XXXX XXXX Bankruptcy XXXX XXXX XXXX  Amount XXXX 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 2022-06-16
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX  XXXX Bankruptcy : Bankruptcy XXXX. XXXX, 2017 {$0.00} Discharged Overview  Reference Number XXXX Date Filed XXXX. XXXX, 2017 Classification Bankruptcy Type XXXX  XXXX Bankruptcy XXXX XXXX XXXX  Amount XXXX 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 2021-03-28
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: Persolve, LLC - Legal - Series 2 (CA)

XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX/XXXX XXXX Account number XXXX XXXX XXXX XXXX is a fraud account which was resloved years ago. 
XXXX XXXX had fraud tied to it XXXX XXXX XXXX didnt hold the the CARES act 2 with the provision on supsending late payments due to the COVID 19
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (CA)

XXXX XXXX XXXX XX/XX/XXXX {$630.00} Late Payment was Submitted 1ST Progress Credit Card XX/XX/XXXX, XX/XX/XXXX Late payment was submitted In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include- ( LIVE any report containing information solely as to transactions or experiences between the + consumer and the person making the report ; 956 15 USC 1666B : A creditor may not treat a payment on a credit card account under an XXXX open end consumer credit plan as late for purpose.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX delaware  Account number XXXX, 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 a account without my written instructions
Consumer complaint received 2024-03-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

These accounts was not authorized by me XXXX XXXX XX/XX/XXXX {$940.00} debt collection company is Jefferson Capital Systems XXXX, XXXX XX/XX/XXXX {$1700.00} debt collection company SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$720.00} XXXX this is identity fraud I filed a police with the XXXX police department XXXX # XXXX.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (FL)

On the date of XX/XX/2024 I sent out the attached document requesting validation of a debt that I am unaware of that has shown up on my credit report, as well as the certified mail documentation receipt with my wet signature stating that I received the proper notification of said debt. It has been more than 30 days and I have not received anything yet this is reporting on my credit report. Please see attached.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, 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 a account without my written instructions
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NY)

On XX/XX/20 I attempted to change the phone number to my account as I did not have the previous phone number XXXX used anymore. When I asked to change it Chime told me they would not be able to give me access to my account unless I provided them with my phone bill. Because apparently it was associated with a different account. My phone number is under my boyfriends moms plan and I am unable to put my name on it. So they told me unless I got a new phone plan I would not be given access to my account. I sent them my ID a picture of me holding my ID and my social security card pic via email and nothing is satisfying them.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-06-16
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX, XXXX. I have been asking the 3 Credit Bureau to correct my personal information since XX/XX/XXXX, XXXXThey have not correct my name, phone number and social security number. I have already file another dispute on XX/XX/2020 asking them to update my personal information which has not happened. I have spoken to several representatives within the last two months and I have not received correction on the update on my information. I have sent them the requested information they asked for, and they continue to ignore me. I also, have XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that is not mine. They continue tell me they have update my credit report but the information is still the same. 
I have spoken to several customer service representatives to correct the problem with my name, address, phone and social security that is continually been reported inaccurately. 
I spoke to XXXX XX/XX/2020 XXXX who assure me that the correction would be made on my credit report, name, phone number, social security, and the lock would be removed from my XXXX   Report. On all 3 credit is a lock saying " Multiple Matches Found '',  check demographics information. All 3 Credit Bureaus say they have removed the Fraud Alter but I am still not able to access my accounts. They continue tell me they have update my credit report but the information is he same.
Consumer complaint received 2017-05-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

A time line is attached. My mother applied for a HELOC in the est. amount of {$38000.00} in  XX/XX/XXXX  and suffered a   XXXX    XXXX  in  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX  . She was a   XXXX   XXXX   XXXX   having  XXXX  three times a week and struggled from the time she  XXXX  - in and out of the hospital,  XXXX ,   XXXX   XXXX   XXXX  , admitted into  XXXX ,   XXXX   XXXX   XXXX  , and all along, she tried to rebound, but did not until she passed away in  XX/XX/XXXX . While enduring the instances mentioned, my father was also struggling with the after effects of   XXXX    XXXX  and  XXXX , later passing away in  XX/XX/XXXX . Neither my father nor I realized that personal fraud was occurring in my mother 's Bank of America account until  XX/XX/XXXX  or  XX/XX/XXXX . My father noticed that something was wrong and asked me to find out who the strangers were listed in the account. I followed his direction and went to the bank and the manager spent the time to review the account and discovered that people were stealing funds. She gave me the necessary paperwork to complete while in the bank and with her assistance, the account was closed. There is no conceivable why that my mother could spend that amount of money during the time she applied for the funds, enduring her   XXXX   and until her passing. As did my father with his separate bank account that he held at another banking institution, my mother always managed her finances. Along this time, she was receiving her annuity from her previous employer,  XXXX   XXXX . Time and time again, I have filed reports with the bank with no resolutions and it does not settle well to pay back money when it was stolen.
Consumer complaint received 2022-06-16
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX  # XXXX, XXXX XXXX  TX # XXXX, XXXX  # XXXX, XXXX  # XXXX, 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 a account without my written instructions
Consumer complaint received 2022-06-16
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX  TX  # XXXX, XXXX  # XXXX****, XXXX  # XXXX, 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 a account without my written instructions
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I made numerous email requests of the following message- This message is time sensitive and in regards to the above mentioned account. As of XX/XX/XXXX this loan was paid off. I am currently working on refinancing my house and need information about this loan. I have received a transaction history and account statement letter. However neither of those provide information requested by my mortgage lender because your company doesnt update the credit bureau as soon as a change is made but at the end of each month. The auto generated account statement letter does not state the account is closed, in good standing, and no longer delinquent. Please send a letter as follows below. 

I need a letter on company letter head With my name Account number - XXXX Last payment made and amount Current account balance - {$0.00} Current account status ( closed- paid in full, in good standing and not delinquent, no current late payments ) As a consumer I have a right to receive the requested account information. This can be faxed directly to my mortgage broker at ( XXXX ) XXXX. 

Thank you for your time and urgency, XXXX XXXX - XXXX XXXX ( XXXX. ) Each time I was sent the same letter that had no change to the letter and was inadequate per the credit bureau and my mortgage broker. 

I also called numerous times, spoke with several different people, several different supervisors and even requested a call back from the division manager who never called me to. I was told they are not allowed to write letters with information I requested, information to correct the account information with credit bureaus. The loan was paid off 100 % and I am in the process of refinancing my home and this needed to be done in order to move forward.
Consumer complaint received 2022-06-16
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022 ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX was not done by me!
Consumer complaint received 2022-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (IL)

I received a debt collection notice letter on XX/XX/XXXX dated from XX/XX/XXXX. XXXX saying If i don't respond to it by XXXX XXXX XXXX that they'll assume the debt is real. This is from American Coradius International claiming I owe {$420.00} to XXXX XXXX XXXX XXXX This is not my debt I've never made any such charges and I always pay XXXX instantly. This is a scam charge and fraudulent. They are hoping someone isn't paying attention and just pays the debt without investigating. I don't have such account with XXXX and I never made a charge in that amount. This is a scam and/or identity theft.