davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Trident Asset Management, L.L.C. (NY)

In XXXX of 2015, I received a credit alert from my credit monitoring company stating that a collection account was placed on my XXXX credit report. Upon reviewing my credit report the same day, I discovered that Trident Asset Management LLC place a collection account for an unknown debt. This is my first knowledge of the alleged debt. Within a few days I sent a debt validation via the United States Post Office Certified mail to Trident Asset Management LLC informing this company that I was enforcing my rights under the Fair Credit Reporting Act. I received a letter from them, along with my ORGINAL LETTER for validation back with their letter stating that if I dispute their claim ( which I did in my ORGINAL LETTER ) to do so within 30 days. Trident Assets Management LLC has CLEARLY violated the Fair Credit Reporting Act and the Fair Debt Collections Act by ignoring my request for validation and dispute, according to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), ( c ) ( 2 ) ( E ), 611 ( a ) 1 ( A ), and Fair Debt Collection Practices Act Section 809. Also, in my letter I clearly stated the laws and there definitions. I received another alert from my credit monitoring on XXXX XXXX, 2015 after requesting validation/disputed, stating that Trident Asset Management has again placed the same alleged collection account on my XXXX report. Trident Management has clearly ignored my request for validation and disputes as well as Federal Law.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

I was interested in refinancing my home. I was contacted by telephone by XXXX XXXX, an employee of XXXX XXXX XXXX in XXXX, CA. I explained to XXXX XXXX that I had previously applied for a refinance loan with a company call XXXX XXXX which gave me misleading information, untrue information and generally did n't know what they were doing. XXXX XXXX assured me that would n't happen with XXXX XXXX XXXX. XXXX XXXX asked me a few questions regarding my finances and personal information, but when he asked me for my Social Security number I informed him I do n't give my Social Security number over the phone because of privacy issues ; I had been a victim of credit card fraud in the past. XXXX XXXX told me he could n't give me any accurate rate information without my Social Security number and that he could not proceed in giving me an accurate interest rate quote. I never agreed to apply for a loan with XXXX XXXX XXXX and in fact I was only shopping for interest rate information because of my disillusionment with XXXX XXXX. XXXX XXXX said he would email me an introduction letter and some other mortgage information. I checked my Equifax credit account, as I usually, do because of being a victim of credit card fraud and the leaking of information on XXXX and XXXX XXXX XXXX. I noticed a " hard inquiry '' by a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXXThey do credit inquiries for XXXX XXXX Loans. I never authorized, consented or had any knowledge that XXXX XXXX XXXX was going to do a " hard inquiry '' on my credit history which you know can affect credit worthiness of the consumer. I disputed " hard inquiry '' above with Equifax and was promptly told that I would have to contact XXXX XXXX. I did so and was told by XXXX XXXX I had to contact XXXX XXXX Loans, which I did. I received no explanation for their checking my credit history other than I must have applied for a home loan, which I did n't. Now Equifax is doing nothing to correct my credit history and has ceased investigating the issue leaving it to me. This seems a violation of the Fair Credit Reporting Act.
Consumer complaint received 2015-11-21
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Flagstar Bank, N.A. (MI)

I went to Flagstar Bank, XXXX XXXX XXXX XXXX in XXXX XXXX, Michigan to open a home equity line of credit. XXXX (? ), branch manager assisted me in opening this line of credit and all the paperwork it entailed. I told XXXX there was a possibility that I would n't need the entire HELOC or that I may not use it at all. He said let 's go ahead and do the paperwork and that way the money will be there if need be. Fast forward two years later, and I did n't use the HELOC. I recently sold my house in XXXX XXXX, 2015, my realtor advised me that I have to close this HELOC, which at that point I went to Flagstar bank and worked with XXXX XXXX, assistant branch manager. XXXX printed out the closing paperwork for the HELOC and to BOTH of our surprise there was a fee of {$560.00} attached to it! I asked him what this was all about since I never even used one penny of the money available of the HELOC. XXXX replied, that he did n't know and would research this for me. A few days later he called and said that because I closed the account before 36 month term for XXXX, I have to pay a penalty which was an early termination fee! This was not explained to me by XXXX and oddly the branch manager was n't even aware of such practice. XXXX and XXXX both said I would need to file with the office in XXXX, Michigan that handles customer service complaints. I did this and the women took my complaint, unfortunately I do not remember her name. She said she that someone would be in contact with me in 3-5 business days. After not hearing anything for two weeks, I went back to the bank to let XXXX know that no one has contacted me and I 'm pretty upset with this fee that was never explained to me, and that if an assistant branch manager does n't know about this, how can this information be passed on to the consumer? XXXX ( branch manager ) overheard this and replied that it was in the paperwork. Well, why did n't he point this information out to me and make it clear before having me sign the paperwork? I told them both that I understand I, as a consumer, have a responsibility to understand fully what I am signing, however, my bank, and trusted institution where I do my financial business also has an obligation and responsibility to be forthcoming and carryout ethical banking practices. That is my complaint and I would like to recoup my {$560.00}! I will also be closing my account with Flagstar bank no longer allowing them the privilege of serving me as my financial institution. 
XXXX XXXX -mobile
Consumer complaint received 2016-03-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MD)

I APPLIED FOR LOAN WITH A LOAN COMPANY THAT SEEM TO BE LEGITIMATE ... THEY SENT ME A LOAN APPLICATION WITH A ADDRESS AND TELEPHONE NO LOCATED IN CALIFORNIA ... I THROUGHT IT WAS LEGIT ... I CALLED THE BANK TO SPEAK WITH THEM ABOUT THE ACCOUNT AND THE CHECK ... .THEY ASSURED ME OVER THE PHONE THAT CHECK WAS LEGIT AND I DIDNT NEED TO WORRY.I DID GIVE MY PERSONAL BANKING INFO OVER THE PHONE TO THE LOAN COMPANY.I THROUGHT THEY WERE LEGIT AND EVERYTHING.I WASNT TRYING TO COMMIT FRAUD.I WAS TRYING TO SIMILY GET A LOAN FOR MY XXXX.I WASNT TRYING TO COMMIT FRAUD ... I THROUGHT THE LOAN COMPANY WAS LEGIT.MY ACCOUNT WAS CHARGED OFF AND I WAS KICKED UNDER THE BUS.NO ONE AT WELLS FARGO WILL HELP ME OUT.I HAVE ENCLOSED A COPY OF THE LOAN APPLICATION.I TALKED TO A XXXX EMPLOYEE ID # XXXX ... ..SHE WAS VERY NASTY AND RUDE TO ME.I NEED MY ACCOUNTS OPEN BACK UP.ALL I WAS TRYING TO DO WAS GET A LOAN FOR THE XXXX I HAVE.IDIDNT KNOW IF THE COMPANY AND THE PERSON WAS A FRAUD.IT WAS AN HONEST MISTAKE.I DONT WANT TO REPORTED TO XXXX.I DONT COMMIT CRIMES.I DONT DO STUFF LIKE THIS.I THROUGHT XXXX XXXX WAS A REAL LOAN OFFICER NOT A FAKE.I WANT TO REOPEN MY ACCOUNTS
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

This account was paid Contacted XXXX XXXX twice for payments arrangements they ignored my requests before it went to collections Contacted collection agency and informed them that I had contacted XXXX XXXX twice to set up payments and was ignored and I would be sending payments directly to XXXX XXXX I started making payments XX/XX/XXXX and paid off the account in XX/XX/XXXX I paid {$50.00} monthly This account should have never been a collection/charge off I made a good faith offer to pay this bill prior to them charging it off I became unemployed but still tried to pay this bill when I fell behind in payments XXXX XXXX ignored my requests I wrote to them and was ignored
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Apparently Capital One has amended the Fair Credit Reporting Act. You really need to publish this particular bold infraction. I disputed a Capital One tradeline on my credit file. I received the attached letter from Capital One saying that they would not process my dispute unless I sent them a list of items in the letter. 
Now the FCRA only requires that I send my drivers license and a utility bill along with information from my credit file and the nature of my dispute. They also are mandated by federal law to record the current status of the item or delete it from my file. I sent this dispute on XXXX XXXX. I know the bureaus send the dispute to Cap One through E-Oscar and give them 10 days to respond. But it is now XXXX XXXX and Cap One says that they wo n't even process this dispute unless I MAIL them the items in their letter. How is this possible? There is no way that the bureaus can comply with the 30 day maximum time frame for processing ... so the item will remain on my file because Capital One is breaking federal law and usurping the bureaus administration of my dispute. This has all the ear marks of a huge class action lawsuit. Consumers having their disputes pressed beyond the 30 day time frame because Capital One refuses to comply with section XXXX of the FCRA and the bureaus being wilfully negligent of section XXXX simply because Capital One does not want to respond in their ten day time frame. 
I was told that XXXX XXXX once went to Capital One to discuss consumer disputes and their handling BY Capital One ... and that the XXXX XXXX representative said : " We want to make our database look just like your data base '' ... .but I never thought that the bureaus would get out of compliance with federal law BECAUSE of Capital One. 

This could be a landmark case for the CFPB
Consumer complaint received 2015-09-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I had made my car payment on XXXX XXXX, 2015 in cash by visiting the Bank of America branch. 
I got a phone call approximately one week after the phone call from the Bank of America and the person asked me when I would make the next payment and I assured her the next payment will be made within 30 days. About a month pror to that I had talked to a BoA rep and he said my car was up for possession if I did not make a payment and I immediately rushed to make the payment. 
The reason I got behind in making my payment was medical conditions and accompanying diffculty in landing a job. 
On XXXX XXXX, Sunday, late at night I get a call asking me if I was XXXX XXXX, I said yes and the person responded he has my car. I was confused what was happening. 
I called BoA XXXX XXXX on their customer service number and they gave me another number XXXX to call at XXXX .When I called that number the voice machine said I should call XXXX. When I called that number they gave me a XXXX number XXXX, option XXXX to call. I was harshly told that the documents were not ready.I again called later and they said the document will come by evening. I called them after XXXX and they finally gave me the number to call XXXX where a machine said the office hours are until XXXX. 
When the XXXX XXXX came to literally steal the car night of XXXX XXXX it was like a nightmare because I had made a payment XXXX days ago and spoke with the BoA person XXXX days ago. I was even willing to call the police and the recovery guy said he would call it himself and so as not to make a scene in the working class neighborhood I let the matter go. He asked me to remove my stuffs I complied. He asked me to give keys and I complied. I did tell him that this entire thing made me feel like I am in XXXX XXXX, meaning a lawless jungle. 
I lost my daily wages XXXX XXXX, 2015 because I could not go to work.
Consumer complaint received 2015-06-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Approximately XXXX weeks ago, I went into the Bank of America, XXXX MD, branch to make a deposit. Upon making the deposit, a bank executive, XXXX XXXX, gave me a sales pitch that I qualify for free checking accounts, and a visa card. My history with this Bank was for a HELOC which I recently paid off. Now, with no debt, XXXX XXXX advised me that I should take their visa card which would give me XXXX percent interest for 12 months, and up to 3 % cash back on purchases. I agreed, and applied. The next thing I find out that my credit rating dropped XXXX points because of this Banks queries, and the credit they offered was a measly {$2500.00}. Once I received the card, I immediately went into the bank and demanded they withdraw their query - which they did not. I returned the card ( which I never activated ). My complaint is due to the fact that my credit rating dropped XXXX points because of their query. I need they to retract their query, so that my credit rating can return to the XXXX is was before
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MA)

I just received the attached letter on XXXX XXXX, from Chase suggesting I look into Short Sale of my home of nearly 27 yrs. I take this letter as a threat to sell my home out from under me!! like the already filed complaint ( CFPB ) referenced the phone call I received from Chase Collections dept in my previous complaint with CFPB whereas the caller told me that they could sell my home out from under me and I would not know anything about it until I got an Eviction notice from the local sheriffs dept. I am extremely concerned that Chase is about to do this to me, I feel extremely emotionally abused and threatened. There is a deadline date of XX/XX/XXXX on this letter attached. I am still awaiting to hear from Senator XXXX XXXX office if XXXX gave up to them the audit that XXXX did on this predator loan in XX/XX/XXXX. I am presently looking into a possible court action against Chase for Blackmail ( Chase previously tried to rope me into a XXXX modification or face possible foreclosure etc ... ), fraud and etc .... on this matter. I believe that Chase is trying to ignore the wrongs they are and have been doing to me causing enormous duress and extensive financial and emotional, strain and damages.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I am in the middle of trying to settle a short sale thru Select Portfolio Service located in XXXX XXXX XXXX, Utah. We have submitted documents that they have asked for on several occasions. They are still working on imaging documents that were sent to them on XXXX/XXXX/XXXX. This is the third time these documents have been sent to them. They are holding up the short sale process since XX/XX/XXXX. In the mean time they have sent me documentation that they are going to foreclosure on the residence. The hold up is them, and they are harassing me daily for items that have been sent to them.i have a court appointed trustee attorney on it and a short sale attorney on this case to get it resolved. They suggested I write this to file our complaint on the incompetence on their part. They are now asking for financial documents that were sent to them in XX/XX/XXXX from the short sale attorney. This will be the 4th time they have asked for it and received the same documents. I do n't know where it goes, but we get verification that they receive it thru e-mail. after a period of time they are asking for it again. These are the collection agency for XXXX XXXX that has the loan on the residence and property.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion provides an invalid address and zip code combination for receiving consumer disputes. Because the Postal Service will only deliver certified mail ( return receipt requested ) to an address and zip code combination recognized as valid in the USPS system, TransUnion 's failure to provide consumers with a proper address makes it impossible for consumers to obtain proof that they mailed dispute documentation to TransUnion. USPS refuses to deliver certified mail to the address TransUnion provides for consumer dispute documentation. 

TransUnion provides this address and zip code for disputes : TransUnion Consumer RelationsPO Box XXXX PA XXXX I attempted to mail a certified letter containing documentation relevant to my dispute, USPS refused. They said it was not a valid zip code and address. I reconfirmed the zip code and address with TransUnion. I also checked forums to see if other consumers were having this problem, and sure enough, it is being reported in various consumer complaint forums ( for example XXXX ). 

I called TransUnion to request a different zip code. I was told that the above address and zip code combination was correct. They told me if I was having problems with that zip code, I could fax the materials. I was given a list of XXXX items that had to be included in the fax, in order, or the fax would not be accepted. I was also told the fax number was often busy, and so I should attempt to fax my materials multiple times. 

I concluded that TransUnion was intentionally making it difficult for consumers to dispute items on their credit reports.
Consumer complaint received 2015-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted TransUion about XXXX XXXX XXXX XXXX Account Number : XXXX ) that is reflected on my credit report. When I contacted XXXX XXXX XXXX to inquire about settling the account they informed me that they no longer own this account. When I informed TransUnion of this to have them remove this from my report so that my report reflects correct information, the only communication that they will send me is a letter that says they have previously investigated this dispute. 

Information regarding this account has changed and should be reflected as such on my credit reporting file.
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WI)

My identical twin is listed on my credit report as an alias or other name. We have the same first XXXX letters of our names and the same last name as well as the same birthday. I understand the confusion howecer I am XXXX and she is XXXX. Her stuff is showing up on my report as im sure mine is on hers. This needs to stop. We are XXXX seperate people who need XXXX seperate reports. I do not know how to fix this.
Consumer complaint received 2015-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

wel ive got alot of issues, we, ll start XXXX XXXX all XXXX XXXX. the recenmt over the limit that was reported is a complete lie, they added onterest which put me a few $ over. trhey did this b4 once when my balsanve was so high ( m thats done. just paid threm down in XXXX. but whenmi got a notification, i called custumer service and said a certain credit didnt go thru and their $ 50+ interest put me over. the csr said ( { and assured me that no0thing would be reported til XX/XX/XXXX. i get my dis on XX/XX/XXXX theyre due XX/XX/XXXX. so thryre alwayts earl ; y anmd wazy bedore the XX/XX/XXXX. 
now to the XXXX COAP??? i nquiries all in a month. i just found out thats XXXX XXXX XXXX. ive been getting preapprovalo letters up to {$35000.00} for apxc 2 years. in fact i bought new XXXX with itafter about XXXX monhs im wantyed to refi lower inteest. they approved me ( i have all documentaTIONstill ) then about a week later they call and said my employer filled the form wrong ( XXXX income, XXXX is XXXX main revenue source. my boss was on vaca tiohn fort 3 weelks. letters were coming in saying IF it were approved @ higher inrest rate. off and on back and forth i said forget thrm.. what im figuring now is the kept running my inquiries. THEY BETTER COME OFF ASAP!!!!!!!!!!!!!! I DONT THINK YOURE GOING TO WANT ME XXXX W/ THEM DIRECTLY. 
HELP ON THISW
Consumer complaint received 2015-09-01
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank XXXX Headquarters : XXXX Citizens XXXX, XXXX, RI. ) continues to cheat customers by not correcting electronic mistakes. The {$34.00} XXXX they have to pay for shortchanging customers is apparently not enough of an incentive to clean up their act. I made an online transfer from my Citizens Bank checking account to my Citizens Bank XXXX ; the online transfer was scheduled for XXXX XXXX, 2015. Due to technology issues with their vendor that occurred the evening of XXXX XXXX to XXXX XXXX, this transfer failed. When I logged into my online Citizens Bank account to pay a bill, I noticed a " transfer failed alert '' in the Alerts Center XXXX see attached documents ). I rescheduled the payment transfer to take place immediately, which was then past due on account of circumstances out of my control XXXX technology failure at Citizens Bank 's end ). 
I assumed that I would not be charged late fees and interest for the late payment. I was wrong. I opened my billing statement to XXXX I was being charged a {$25.00} late fee, as well as interest of approximately {$60.00}. I find it odd and disturbing that they sent me an immediate alert that my payment transfer from my Citizens Bank checking account to their Citizens Bank credit card failed to go through, yet no alert indicating I would not be charged a late fee and would not be responsible for interest charges. They were aware that my payment failed to process due to a technology issue at their end ; therefore they should have also been aware the late payment would result in erroneous interest charges and fees at my end, yet they failed to communicate this to me. I had to make a phone call to Citizens and was kept on the phone for XXXX minutes waiting for this issue to be resolved. It was finally resolved, but only because I caught the error.
Consumer complaint received 2015-10-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (AL)

We purchased a new vehicle through a dealership and the dealership arranged financing through PNC Bank. The purchase occurred XXXX XXXX, 2015. The first payment is due XXXX XXXX, 2015. Today is XXXX XXXX, over 3 weeks from the date of purchase and PNC Bank has not sent us a payment booklet or loan account number in the mail. I called PNC Bank today, and they have n't even begun working on the loan yet ( it 's approved, but no paperwork has happened ). They can not give me a loan number over the phone, and without this information we ca n't make a payment. We had planned to make the first payment as soon as possible, but because they are dragging their feet interest is accumulating and we ca n't pay.