davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

Hello my name is XXXX XXXX and im trying to obtain a loan modification to save my house. In this process has made me very confused and feel mislead.Trying to obtain a loan modification threw Carrington Mortgage Services seems impossible. I do n't even know which bank or mortgage company im even dealing with .The statements that are being sent out says XXXX XXXX XXXX and other statements says Carrington Mortgage services.When your also dealing with XXXX different people who is asking to submit information that you already submitted in which I mailed faxed and emailed 5 different occasions it makes you wonder what is going on with this company. My account was assigned a representive from there company but never could get a hold of her and she also said was n't receiving certain documents that I faxed 6 times to there company. I believe and will be proven that there conduct is not only unproffesional but unfair as well. Each and every time I submitted a loan modification packet I was told I did not meet the time requirements as far as them receiving information they needed from me on time and it was always pass the deadline they gave me to that they said they received my paper work. So I was told and letters being sent out to me stating that I was not approved for a loan modification twice because they said they never received my 30 day profit and loss statement but I faxed it to them 4 times well before the deadline they gave me. I was never told I did n't qualify. I just would like to save my home for me and my children, a string of un fortunate events lead me to this position that im in and I just want to save my home for forclosure which is scheduled for sale on XXXX/XXXX/2015. Which gives me very little time to figure this out. I believe threw there unproffesional and misconduct and tactics on acting like there not receiving certain information is a direct attempt to discourage me and in there actions directly cause me to lose my home instead of doing a loan modification in a honest way which would help me save my home. Im getting different info from Different companies for instance Carrington Mortgage Services sends me current mortgage bills, XXXX XXXX XXXX sends me current Mortgage debt as well. This whole ordeal has me lost and confused. If you could help me out in anyway in this matter I would truly appreciate it and would be thankful if you could help me get some honest results in this matter. Im actually working with a company called XXXX to also try and help me in this serious time sensitive matter. So with combined efforts I hope something can be done for me and my children so we can stay in our home and live the AMERICAN DREAM .Thank you for taking the time to read this letter. I work for ups and I own a cleaning company, i work hard to provide for my children and will do the same in making sure i can keep my home for us.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (SC)

The credit bureau did not perform a proper investigation of the public record that is on my file. I contacted the courthouse, and they advised me that they do not verify directly with the credit bureaus and that they do not have a file on me at my name and address and entire SSN number. So, I need to know how did they verify the inaccurate bankruptcy that is on my file? If it is through a third party, then that is in violation of the FCRA. I need for them to verify this with the courthouse. 
Furthermore, I asked them to perform another reinvestigation of the items on my credit report in accordance to the FCRA, Section 611, part B, subsection ( iii ). Please see the attached letter. They never sent me information that was required. This letter was sent to them certified.
Consumer complaint received 2015-11-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Upon reviewing my Bank of America checking account I noticed that I was overdraw in the amount of {$280.00}. I called customer service to inquire as to why my account was overdrawn and they stated because I had XXXX items that were presented for payment and they paid them for me as a courtesy because they are recurring payments to my account. I have called about this in the past because it caused my account to be overdrawn that time also. The challenge I am facing with Bank of America is that I did not sign-up nor do I have an account linked to my checking account for overdraft protection. I have made request that no courtesy payments be made and if the funds are not available that the items be returned. I further explained that I declined setting up overdraft protection because it is not something that works for me. Upon further speaking with the customer service representative I was informed that even though I did not request that the items be paid but that Bank of America made the decision to pay the items, I was still responsible for any fees assessed to the account for payments. Additionally, as of today, XXXX/XXXX/15, Bank of America assessed my account a fee of {$35.00} because my account has been overdrawn an extensive amount of time, even though I did not request the items be paid, it was a judgement call by them. They are maliciously charging fees and initiating activity on my account that is not authorized by me. My thought this is another way for Bank of America to make money off of their customer.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (KS)

I was notified today which is XX/XX/year> from XXXX XXXX that there was a new hard inquiry on my credit report. I have not requested any kind of credit requests or inquiries so I looked at what this inquiry was about and it said it was from CB Indigo. I XXXX this company and it is some credit card account, but I 100 % did not request this account or give this company any of my information. Either this was associated with my credit report in error or someone has fraudulently applied for a credit card using my SSN and other information and I need this removed from my credit report, and if there is now an associated credit card account because of this inquiry, it needs frozen and closed immediately.
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-20
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. Already done. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, L ; XXXX XXXX XXXX XXXXXXXX, MD XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; DP OF EDUC XXXX Balance Owed : {$1100.00} ; DP OF EDUC XXXX Balance Owed : {$2500.00} ; US DEPT ED XXXX Balance Owed : {$4000.00} ; DP OF EDUC XXXX Balance Owed : {$3100.00} ; DP OF EDUC XXXX Balance Owed : {$4500.00} ; DP OF EDUC XXXX Balance Owed : {$1200.00} ; DP OF EDUC XXXX Balance Owed : {$2700.00} ; DP OF EDUC XXXX Balance Owed : {$2500.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2015-03-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was part of the XXXX and received payment last month. 
I was told that the foreclosure should and would not be on my credit report. I learned that it was and disputed it with all XXXX credit monitoring servicers. 
I told the companies that i was involved in the Independent foreclosure review and they still would not remove because of BANK OF AMERICA responded to them stating it was accurate. I was involved as a member of the the UNITED STATES XXXX. I have only a check stub stating the amount and reason why the check was issued. That is the only documentation the bank will give based on the settlement agreement with the federal government.
Consumer complaint received 2022-02-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Freedom Mortgage Company (CA)

RECORD OF PRESENTMENT FOR : NOTICE OF FAULT IN DISHONOR, OPPORTUNITY TO CURE This section includes : 1. Notice of XXXX for XXXX  dated XX/XX/XXXX ( 3 pages ) ; 2. Request Regarding a Statement of Account dated XX/XX/XXXX ( XXXX page ) ; 3. Certificate of Non-Response dated XX/XX/XXXX ( 1 page ) ; 4. Notice to XXXX  Accounts dated XX/XX/XXXX ( 1 page ) ; 5. Private Registered XXXX  Bond dated XX/XX/XXXX ( 1 page ) ; 6. Mortgage Statement of Account dated XX/XX/XXXX ( 2 pages ) ; 7. I.R.S. Form 1040-V ( 2 pages ) ; 8. Notarys Certificate of Service dated XX/XX/XXXX ( 1 page ) ; 9. U.S.P.S. Tracking Report, Receipt for Registered Mail dated XX/XX/XXXX ( 2 pages ) ; 10. Notarys Certificate of Service dated XX/XX/XXXX ( XXXX page ) ; 11. U.S.P.S. Tracking Reports, Receipts for Certified Mail dated XX/XX/XXXX ( 2 pages ).
Consumer complaint received 2021-03-27
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)

Since XX/XX/2020 i have been reaching out to TransUnion. 

To begin with my personal information section is incorrect. My employment, phone number, address, and alias are all incorrect. 

The investigation results i receive back from TransUnion are always " verified '' as accurate. None of the requested information to deem these accounts as " accurate have been provided '' This is against the FCRA sec 314. 

TransUnion is using my personal information section to verify these accounts, when it's inaccurate therefore all the investigations conducted are inaccurate and these accounts must be removed by law. 

TransUnion violated TILA by reporting the improper disclosure of the amount financed, finance charge, payment schedule, total of payments, annual percentage rate, and security interest disclosures. 

TransUnion violated the FCPDA attempting to collect more than what is owed. In addition TransUnion is threatening a lawsuit with one of the accounts when I have no intent to sue. 

TransUnion violated the FDIC by not reporting accurate information on my credit report. 


How does TransUnion get away with this type of behavior. I have certified to TransUnion that these accounts do not belong to me. 

It has now been over six months, still same answers from TransUnion. 
To be fair I did receive account statements from XXXX XXXX, but the statements had a different family members name on them. Also account statements are not legal proof of verification so you failed there. In addition, the statements had amounts on them with accumulated interest which is against TILA. 

I have been denied a home loan because of your failure to comply with the law and delete anything that is not 100 % accurate or verifiable. 

Who is verifying this information? I don't get it how can i go back and fourth for six months and nothing has happened. We are in a standstill. 

I don't want to wait 30 more days, i have waited six months. There is nothing to investigate if the information does not match why are you reporting it? 

I have copies of over 30 dispute results from TransUnion showing " updated '' " verified as accurate '' without having anything to show for. How does this happen? 

I just don't understand who is running this nonsense? How has this been going on for six months and you have not followed the law? 

Everything used during the dispute process and complaint process will be used against TransUnion in the XXXX XXXX court if you fail to remove the incorrect, inaccurate, unverified information from my report this instance. This has gone on for way too long and it's time to take this to the next step.
Consumer complaint received 2015-09-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It 's happened so weird, so I only ask the bank online to increase my credit line for information but not request. And then the bank send me notice and did n't ask my authorization and directly this is a hard pull. I can not believe it. How could this be? I only put info online and then, NO PHONE CALL NO TEXT NO MAIL NOTICE OR EMAIL, there 's a hard pull. And he said he need my more info, it 's funny cause when I made phone call, I said I gave up to increase my credit line. This is totally not my fault. SHAME ON BANK OF AMERICA.
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

My mortgage 's XXXX XXXX XXXX ) was recently sold from XXXX XXXX XXXX to Carrington. First I did n't receive any info from XXXX that my mortgages had been sold to Carrington. I had to call them when I notice were not pulled from XXXX accounts from whom I bank with and I told Carrington I was set up on ( electronic funds transfer ) EFT 's with XXXX and they told me I had until XXXX XXXX 2016 to make my first payment, They mailed me my auto draft forms forms and I mailed them back, I was then called from a XXXX XXXX XXXX XXXX XXXX saying it will take up to two months for my auto draft to process for my first payment and I needed to mail the payments in, I did n't have the amounts which she gave me and the address. I mailed in XXXX payments which cleared XXXX on XXXX I then received my auto draft back saying I could not be set up until I was in good standing, I called Carrington and they told me mail in another XXXX payments which I did they cleared XXXX. I then spoke with a supervisor XXXX Direct number XXXX and was told to fax up copies of the checks ( but since they electronically processed the checks XXXX said they would not have copies, so I sent them screenshots and I made an appointment the next day with XXXX to get proof that the payments were processed. I the Faxed to Carrington proof of the payments they keep giving me the run around I have never been late in thirty years of payments to XXXX and I feel they are trying to steal my property I need help. 

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Consumer complaint received 2024-03-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: JPMORGAN CHASE & CO. (CA)

1. I purchased this car on XX/XX/2023, and I was told that the bank was going to be XXXX XXXX. The contract paperwork lists XXXX XXXX. 
2. I thought my car was stolen off my driveway on XX/XX/2023 so I called the police. They notified me that the car was repossessed by Chase Bank. 
3. I called Chase Bank to ask why they towed my car and they stated that they were not receiving payments from me. They claimed to have sent notices via mail to my home about missing payments. They had the address " XXXX XXXX XXXX '' in their system. My home address is " XXXX XXXX XXXX '' so the representative on the phone, XXXX, corrected this error. 
4. I reviewed my original paperwork from XXXX XXXX XXXX XXXX and noted that my home address is correct and that the bank lienholder was XXXX XXXX. I called XXXX XXXX on XX/XX/2023, the representatives on the phone claimed that my account was attributed to Chase Bank and not XXXX XXXX.Since purchasing my car on XX/XX/2023, I did not receive any notification from XXXX XXXX that the bank lienholder was changed from XXXX XXXX to Chase Bank. 
5. I paid the required fees and excessive late fees to Chase Bank in order to retrieve my car. 
6. By XX/XX/2023, I noticed that my credit score significantly decreased due to this clerical error by either XXXX XXXX or Chase Bank.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I was a victim of identity theft and this company is still reporting these fraudulent accounts ; XXXX XXXX, XXXX, XXXX XXXX XXXX on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (OR)

Shortly after purchasing my first home I was inundated with letters from a company by the name of Nationwide Biweekly Administration , Inc. These letters, copies of which are attached to this complaint, claimed to provide a more " budget friendly '' payment for my new mortgage loan, provided a " 100 % SAVINGS GUARANTEE '', dissuaded me from adjusting the payments I submit to my mortgage servicer to achieve the same promised results, and indicated their offer would expire because there was a date for me to contact them by. However, the letters did not list any payment processing fees or enrollment fees. I called Nationwide Biweekly Administration, Inc. on XXXX XXXX, 2015 to obtain more information from them, and their representative advised me there would be a {$2.00} debit fee for every payment ( XXXX payments x {$2.00} = {$65.00} per year ) as well as a " one-time deferred payment fee '' which would be approximately 10 % of the gross savings. Per their own correspondence, their sample interest savings for my loan was {$190000.00}. Per their own representative, that would translate to a {$19000.00} one-time deferred payment fee, which is egregious to say the least. After asking if I could simply add XXXX of my monthly principal and interest payment to regular monthly payments in order to equal 13 monthly payments and achieve the same results, their representative again dissuaded me from doing so. Their representative also advised me their letters have an expiration date because most savings occur within the first year. Their representative also advised me that they would also audit my payments to ensure payments are being applied correctly, to which I replied payment applications are easily reviewable on a payment history from my servicer. I believe Nationwide Biweekly Administration , Inc. has misrepresented the interest savings I would achieve through their program, has mislead me about the cost of the program, and persists in offering a deceptive program in which I in no way requested materials on.