davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC (CO)

I am being charged with an XXXX bill by the debt collectors Bay Area Credit Services. We have no unpaid medical bills at this time, nor have I ever even taken an ambulance ride. By all accounts after looking up this company online, they appear to be scammers.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I 've been battling with XXXX XXXX Bank since XXXX XXXX, pertaining to a Home Equity Line of Credit. This account was mishandled by XXXX XXXX Bank, subsequently XXXX XXXX Bank agreed they would not attempt to collect any funds for this account and they released any liens against me an my wife pertaining to this account, however XXXX XXXX Bank continued to report a past due balance on my credit reports and my wife 's credit reports for almost XXXX year. My wife and I contacted the Credit Bureaus multiple times to remove the incorrect information. XXXX XXXX removed the incorrect information, however XXXX and Equifax have continued to report incorrect information on our credit reports, this has been extremely stressful, extremely time consuming and has drastically effected both of our credit profiles. XXXX XXXX Bank 's callous disregard for providing accurate information to XXXX  and Equifax is truly egregious and XXXX and Equifax 's unwillingness to correct XXXX remove the false information from our credit reports has been extremely frustrating.
Consumer complaint received 2017-11-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (MA)

On XXXX XXXX, XXXX we made a request for a corrective mortgage discharge or an assignment to clear title to a property. Numerous phone calls, emails have been made to follow-up and a title clearing document is still not recorded. We are told " it is in process '' with no further explanation.
Consumer complaint received 2017-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/XXXX my husband and I met with a MLO to discuss loan options and be pre-approved. We were given the option of a destination home mortgage, but at that time not given the exact requirements of maximum gross income to qualify. On XX/XX/XXXX, two days before closing on the home, we were told the loan was denied because of exceeding max income ( we had actually been denied on XX/XX/XXXX but not told ). If the information had been given to us we would have recognized we do not qualify. From this point we were given false information on our loan options moving forward including the amount we would pay out of our pocket at closing. The MLO dragged out from the begging of the process and yet again after denial, giving us information about a FHA loan. We were not told of a deadline to submit for another loan before the application became inactive and the process would start over again. Because of this deadline on XX/XX/XXXX the MLO submitted for a loan ( conventional LPMI loan ) which I had not consented for, when that morning I had in fact said we wanted the FHA loan. If the loan he submitted us for had been approved then we would be unable to pay out the loan. We then worked with the MLO 's manager since the MLO refused to " deal with us ''. The manager told us we are not the first people he has given false information to and that he submitted information on our loan incorrectly, the MLO " did n't do his job ''. In addition, we originally had difficulty signing the disclosures due to the MLO being unfamiliar with the online program yet the process proceeded. Also, poor communication skills of the MLO including incorrect grammar, spelling and incomplete sentences made it extremely difficult to have questions answered and understand the answers given. Once we worked with the manager, we resubmitted as a FHA 4.375 % interest with loaner credits due to the amount we need to bring to closing being much more than originally promised by the MLO, with the closing date of XX/XX/XXXX versus XX/XX/XXXX. In order to have the extension on the contract, our seller 's had to compensate their seller 's for their new house. Now we also have to hire mover 's instead of doing the job ourselves since we now need to move on weekdays we already are scheduled to work.
Consumer complaint received 2024-08-03
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: Experian Information Solutions Inc. (MD)

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable XXXX  Proof ( an original Consumer Contract with my Signature on it ) if you have on file the XXXXN account XXXX XXXX. They failed to positively verify this account accurately which has hurt my ability to obtain credit. Under the FCRA, unverified XXXX proof account must be removed immediately :
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (SC)

I am referencing XXXX XXXX XXXX Select Credit Card by Citi and am a victim of " bait and switch ''. I called the credit card company which is run by Citibank and spoke with multiple people including supervisors and was told if approved I would get an immediate temporary credit card number so I could purchase my vacation and earn the mileage incentive that was offered in the promotion ( 30,000 miles if you spend {$1000.00} in the first 3 months ). 

If I was told I had to wait 7-10 buinsess days to receive the credit card to use it ; I would NOT have applied or taken out the credit card. To clarify I was worried that I would n't be able to use it immediatly so I called multiple times to verify this and was told MULTIPLE times that I would be given a temporary number to use immediatly if approved. 

After I was asured I would be given a temporary number ; I went to the XXXX XXXX website as instructed applied and was apporved. One approved there were several screens that indicated to click continue which I did assuming that it would give me the temporary credit card number. After I went through all the steps NO temporary number was given. I checked my email as I did receive an email stating I had been approved and it gave me my last 4 digits of my account but no temporary number. 

I was very upset because my fears were true ; bait and switch as expected. I assume that this has happened to others. I called several more times and was told that I would not be given a temporary number and I had to wait 7-10 business days to get the actual card to use it. I needed to book my trip today so  this was not helpful. 

To make sure I was n't crazy I called back and told them my situation I was wanting to book a trip today and saw the promotion and asked if I could get a number today to book my trip and the rep said no problem people do this all the time. Then I told them I had already applied and was not given a number and asked to speak to a supervisor. After a 45 minute wait I spoke to the supervisor and was told I had to wait 7-10 days. 

If you want to try this yourself call them at XXXX and ask them if they can give you a temporary number they will tell you yes. 

I am really upset as I know if i cancel this card it will effect my credit score in  addition this is a {$95.00} a year card. I suspect i will be charged the {$95.00} also. 

Do I have any legal recourse? 

Thanks you for your help.
Consumer complaint received 2016-06-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal Credit Union is still reporting my vehicle loan as late for 90 days. I paid this car off XX/XX/2014, so I am not late on this, and upon payment, they stated they would delete this off of my credit profile since I asked for this because derogatory information was showing on my profile. They performed a " bait and switch '' just to get my payment. I paid them in full, and they are reporting my account late. They need to remove this off of my credit profile or at least remove any late payment history they have for me.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: MORGAN STANLEY & CO. LLC (NV)

Both the trustee of my mortgage and the investor/holder of my mortgage have committed numerous mortgage related violations, some criminal and have both reached settlements with the Department of Justice for such. Even though both have consent agreements mandating homeowner relief with modifications, both have refused to allow a modification. 
XXXX is the trustee of my mortgage note for the Master servicer Morgan Stanley via XXXX XXXX. 
Both XXXX and Morgan Stanley have entered into agreements with the Department of Justice and various other federal and state regulatory bodies to settle and plea guilty to their criminal actions for various mortgage related crimes. 

In XX/XX/XXXX the Department of Justice announced that XXXX entered a guilty plea for XXXX 's criminal actions in manipulating the Libor rate. 
The Libor rate was used to establish the interest rate on my mortgage. This in and of itself should make my loan, " the fruit of illegal activity '' null and void. 

In XX/XX/XXXX the Department of Justice announced that Morgan Stanly was settling claims against them in the amount of XXXX dollars for mortgage related/issues and fraud. 

On XX/XX/XXXX The Department of justice announced that XXXX was entering into a civil agreement of XXXX dollars, of which XXXX is for relief to aid consumers harmed by its unlawful conduct ; specifically XXXX will provide loan modifications, including loan forgiveness and forbearance to distressed and underwater homeowners throughout the country. I am one of the consumers mentioned above! 

Morgan Stanley and XXXX through their sub servicer XXXX have refused to allow me to modify my mortgage even though the mortgage is predicated on XXXX 's and Morgan Stanley 's criminal and illegal behavior that both have pled guilty to paying XXXX of dollars in fines and both have been mandated and agreed to offer consumer relief through loan modification. 

On XX/XX/XXXX, just three days after XXXX entered into the agreement with the DOJ, XXXX filed for foreclosure on my mortgage even though I have been trying to modify my mortgage for many years and have been repeatedly told that " the investor does not allow modification for my loan ''. Considering their guilty plea for their criminal actions, can they even continue to manage this trust? 
I want XXXX and Morgan Stanley to abide by the respective agreements that they entered into with the DOJ and various other federal and state regulatory bodies and fulfill their obligation to offer consumer relief. 
Please modify my illegal loan.
Consumer complaint received 2017-04-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (NC)

I am submitting a formal complaint regarding my CareCredit account and request that interest be removed from my account and only be charged from the balance when the promotion ended. The original loan was for {$8100.00} and I had paid it down to {$3200.00}. Going back to the original balance is unfair and deceptive practice. CareCredit is performing like a predatory lending company and not like a bank charging interest rate at 26.99 % to low income consumers. When I called Synchrony Bank to complain and to request a copy of my signed terms and conditions they referred me to the dentist office. I called the dentist office and they said they do not have copies of the agreement. I then again called Synchrony Bank to request a copy and I still have not received a copy of my signed agreement and I asked to speak to a manager and no one has returned my request for a call back. 

Synchrony Bank should have the promotion ending on the home page on their web site when you sign into your account. Payments are also made from the home page never requiring you to open your statement. I was paying over the minimum balance and thought I was paying it off early due to the minimum balance kept going down. The emails stating my statement is ready should have the promotion ending as well. In addition, the provider never said that I would need to make {$450.00} payments in order to pay the credit card off to avoid the interest charge. The provider that offered the product was not informative regarding interest rate, payments and that the interest would be charged from the original loan amount.
Consumer complaint received 2017-11-09
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I disputed this account 3 times with the creditor Kohls/CapOne and also specifically requested for validation from the creditor to provide me validation of the account. Validation letters were sent via certified mail to creditor Kohls/CapOne and XXXX, XXXX, XXXX regarding this matter and failed to respond to me the consumer directly on a timely manner of the 30 days validation period. The creditor only responded to XXXX, XXXX, XXXX that the account was validated. How is this possible that an account gets validated without showing any proper documentation to the consumer? 
My fair credit reporting act rights are being violated by the creditor Kohls/CapOne by not providing validation of the account with the consumer directly.
Consumer complaint received 2017-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Solutions Group (AL)

I called XXXX XXXX XXXX XXXX and requested any documentation showing any of my information and signatures on a account that 's on my credit history. when I called I got the most rudest receptionist/ women ever. I was very clam with this lady after speaking with her about this account i requested a manager because she could n't help me. she could n't find me a manager after I requested one for the 5th time and all she did was continue to argue with me. I never got a manager but someone who he said he was a partner. Anyways ; once speaking with him and not really listing to what i had to say or was requesting he ended up getting an attitude as well. He told me only my lawyer can request any documentation and i would have to call the original creditor ( which I did but they gave me consumer solutions group phone number ). all i am requesting is any documentation and signatures showing i owe this account and if not I want these accounts off my credit report. I have no knowledge of how i ended up with these accounts and I want them deleted.
Consumer complaint received 2017-11-09
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. (VA)

In a letter to XXXX XXXX dated XX/XX/XXXX, I explained the circumstances of two late payments from XXXX and inquired if it would be possible for a good will adjustment as my account has since been paid off and in consistent good standing for the past five years. In the letter, I took full responsibility for the late payments and never disputed the fact that they were late. After receiving a response saying that after an investigation, the report is accurate, they placed a comment on my credit report that I dispute the information. I do not wish to have this notation, as I never disputed anything. I just wanted to see if it would be possible to remove the late payments after paying off the debt and keeping the account in good standing for several years. I once again reached out to XXXX 's to remove the dispute comment but it has never been resolved. I fear that as I prepare to apply for mortgages, creditors will be weary of any sort of dispute seen on my credit reports.
Consumer complaint received 2017-04-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: State Collection Service, Inc. (GA)

State Collection Services sent me a notice regarding medial bills from XXXX. We informed them that XXXX was provided the wrong provider number and had to resubmit the insurance claims to insurance payer XXXX in XX/XX/2017. Instead of sending us the updated statements XXXX sent them back to State Collections Services. In XX/XX/2017 My husband contacted XXXX in regards to the update statements. XXXX mailed us all the updated statements on or about XX/XX/2017. We have been sending the final payment for the updated bills to XXXX and they have been accepting payment. Today XX/XX/2017 XXXX sent me a payment regarding a balance of XXXX. The statement provided evidence that a payment was recently made by us for XXXX, but we still received a collection notice from State Collection Services for the same amount. XXXX is allowing us to pay the balances off, but we are still receiving notices from the collection company. 

In addition XXXX has also sent these same bills to a second collection company called XXXX for Collections.
Consumer complaint received 2017-11-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A COMPANY NAMED XXXX ILLEGALLY DEBITED FUNDS FROM MY CHECKING ACCOUNT ON XX/XX/XXXX IN THE AMOUNTS OF XXXX, XXXX, XXXX, XXXX AND XXXX. 
ON XX/XX/XXXX, MY BOYFRIEND USED HIS BANK OF AMERICA CHECKING ACCOUNT TO PAY FOR MERCHANDISE IN THE AMOUNT OF XXXX TO XXXX. I FAXED THIS INFORMATION TO BANK OF AMERICA 'S FRAUD DEPT AND I WAS SUPPOSED TO BE REIMBURSED FOR THESE UNAUTHORIZED CHARGES. BANK OF AMERICA HAS BEEN MOST UNCOOPERATIVE IN THE MATTER AND I 'M VERY UPSET BY THIS WHOLE INCIDENT.
Consumer complaint received 2017-11-09
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: Ad Astra Recovery Services Inc (TX)

In XX/XX/XXXX a first account was taken out in my name but paid! 
XX/XX/XXXX a second XXXX XXXX XXXX for the amount of XXXX was taken out in my name fraudulently. 

I was at the time XXXX in the XXXX XXXX of the United States of America Starting XX/XX/XXXX and XX/XX/XXXX Which leaves me unable to have opened either of the above stated accounts! 

i have contacted all parties of this matter and no actions have been taken! 

AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX
Consumer complaint received 2017-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (GA)

I mailed out a Debt Validation letter to Macy 's On XXXX XXXX 2017. They responded but did not provided any Validation with my original signature. This account is impacting my credit score and is stopping me from getting a Mortgage.
Consumer complaint received 2017-04-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a second mortgage with Bank of America. I called them on XX/XX/XXXX to inquire about payment history dates on XX/XX/XXXX mortgage statement. It showed XX/XX/XXXX thru XX/XX/XXXX as not being paid, I have proof from my banking records of payments. I am aware of being 2 payments behind and was in contact with a representative who informed me that I could add additional monies to my normal payment until I was able to complete my 2 behind payments. Per my phone conversation XX/XX/XXXX, they informed me that my loan was charged off on XX/XX/XXXX, without any prior notification to myself from BOA. BOA 's resolution was for me to make a payment, which I did, and that they can not reinstate my loan. Furthermore, their suggestions were to either settle the loan or make payments which will further continue to have negative consequences on my credit as this will show as a charge off. I am under the impression that before any action like this can be taken against a consumer, that the loan holder would have to notify the consumer of any such action.