davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (WA)

Explanation of complaint : I tried to modify this loan XX/XX/XXXX through the National Mortgage Settlement XX/XX/XXXX. It was a XXXX mortgage. I was newly divorced and just coming off XXXX treatments and really needed the modification to keep paying on the loan. After much due diligence they told me I did n't qualify. They said I didnt make enough money. I tried again after calling the National Mortgage XXXX people and they said I should qualify. But was told once again by Citimortgage that I did NOT qualify. So at this time I could no longer keep up with the payments and just stopped paying temporarily .... just for a breather. ANd really was struggling financially. At this time I was upside down with the XXXX. and the XXXX. 
Sometime XX/XX/XXXX I called the automated service and it said the account was PAID IN FULL on XXXX XXXX XXXX. I thought maybe the loan had been forgiven since I had NOT heard anything from them and had NOT recieved any mail from them. Also I knew that they were at this time forgiving loans so thought maybe I was one of them. Later in the year I called and spoke to someone who said it is possible the loan was forgiven and I should keep my eyes open for a forgiveness letter. I know they record these conversations so they would have this on their transcripts Im sure. I then started getting emails saying they had tried to send me something thru the US Postal service but was being returned to them. I called about this and the girl I spoke with said the account was closed so this was probably just an automatic email and just disregard it. Again ... ... this would be recorded. So it is now XX/XX/XXXX and was hoping to get a Harp refinance on my XXXX. and find out the Citibank has a lein on my home. It has been three years and I have not heard a word from them and I have been accruing penalties and interest this whole time. 
My fear is that they will forclose on my home. My business has suffered from the economy and I cant work as hard as I once did due to not having the stamina from having XXXX. I would like to know why their system says the loan was PAID IN FULL and why I didnt hear from anybody for over 3 years. It just doesnt seem fair. Because I thought this loan was forgivin and I never heard from anyone for over 3 yrs. I dont think its fair that I should now be in a collection dept. and afraid the may foreclose on my house. 
I dont want to lose my house. 
Thank you, XXXX XXXX
Consumer complaint received 2015-06-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

About two and a half years ago I cancelled a Visa card that I got through XXXX, the online marketer of out door clothing and equipment. I notified the Bank ofAmerica that I was closing my account. I received my balance and payed offthe balance. The account was closed. The next day they received an invoicefrom XXXX, my insurance carrier for sixty years. It was for my monthly insurance payment. They opened my account and payed XXXX something over {$100.00}. WhenI received a monthly bill from Visa/B OF A for the amount XXXX had requested. 
There were several phone conversations between the XXXX parties. I finally paidthe XXXX claim to Visa. By the time all was done, it had passed the Visa paymentperiod and they charged me {$35.00} for a late fee. I refused to pay because myaccount was closed and opened again to accommodate XXXX, so said B of A. 
Even though the account was closed, they kept charging me {$35.00} per month inlate fees for not paying their original late fee. At about the {$200.00} level I talked toa supervisor who told me the bank would continue to charge me monthly, until I reached the level where they would charge off my account and sell my account to a credit chaser. She said they did this to charge off the very high profits they made in the commercial part of the bank. As stated, at $ XXXX sold my account. I received a call from a very nice lady trying to work out a payment schedule. She said her company had purchased my account. I told herthat there were no products or service, that it was all fraud by B of A to reducetheir income tax bill. I could hear her writing in the background, she was mad as hell. Apparently, B of A had taken the account back because they have sentdefault/ no pay notices to all three credit agencies for 30 months. My credit number has gone from XXXX to about XXXX now. It has been as low as XXXX! 

ALL OF THIS PAIN FOR ME WAS FOR B OF A TO COMMIT A FRAUD AGAINST THE IRS. THE SUPERVISOR TOLD ME THIS WAS A COMMON PRACTICE. I AM XXXXYEARS OLD AND HAVE NEVER HAD A CREDIT PROBLEM IN MY LIFE. 

XXXX XXXX XXXX, The credit agency provided me no documentation of their investigation. 
If you get a routine credit report, all the bad marks will show. The last time Isaw it was about six months ago. I was paying XXXX to monthly send me myrating number and delinquent account report.
Consumer complaint received 2015-11-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America will wave the monthly bank account account fee if {$250.00} of *new* charges are made to the associated credit card. They have not been waving the fee and now state that *new* charges do not include things like monthly utility bills charged to the account. They are unable to show me in writing why utility bills are not considered new charges.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX. XXXX Account number : XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX  XXXX Bankruptcy Account Number : XXXX XXXX. XXXX  XXXX Bankruptcy Account Number : DISMISSED *ERROR* Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-06-12
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington Mortgage took over servicing my loan effective as of XXXX XXXX, 2015. Prior to the transfer, on a monthly basis, I was able to make my regular payment and an additional principal only payment electronically each month. However, with Carrington I currently do not have that option because they are taking exceedingly long to process my request for automatic debit from my checking account. I faxed the request on or about XXXX XXXX, 2015. My request has not been processed nor have I received any type of confirmation from Carrington that they received my fax and are working on my request. 

Since they have not processed my auto draft request, I am forced to make payments online. However, their online system is not equipped to accept my extra principal only payment electronically which is causing me undue stress. I travel Sunday through Friday of the work week. It 's very time consuming to go to the post office to purchase a stamp and envelope. However, I did purchase the stamp and envelope and mailed Carrington my extra payment on XXXX XXXX, 2015. I specifically waited until the online payment was confirmed before mailing the extra payment. I checked the principal only line on the payment coupon as well as wrote in large letters on top that the payment was " principal only ''. I even wrote on my check principal only. Even with the directions on the payment coupon and my check, Carrington still processed the payment incorrectly. They treated my funds as a regular payment and took interest and escrow out. I need help getting them to correct their mistake.
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (NY)

In XX/XX/XXXX, our rental property mortgage fell behind. Due to tenant non-payment for many months. At that time, XXXX XXXX XXXX was the mortgage lender. XXXX XXXX XXXX suggested a loan modification. Paperwork and required documentation was submitted several times, for a modification, which in turn was never received by XXXX XXXX XXXX. After many failed attempts at a modification, the loan was them sold to XXXX XXXX XXXX. 

XXXX XXXX XXXX would not accept any payments and also suggested a loan modification. Again after several years and failed attempts at a loan modification, the loan was next sold to Fay Servicing. 

XX/XX/XXXX, Fay Servicing agreed to a loan modification. While the modification process was in place, Fay suggested submitting a forbearance. The initial forbearance payment was made with the intent of completing the loan modification. We agreed to proceed with the modification and a good faith down payment amount was set. A few months later, Fay Servicing contacted us and dismissed any prior agreements to a loan modification. The property currently is a rented and the lease is set to expire XX/XX/XXXX. According to Fay, they will not do a loan modification unless the property is owner occupied. If this is the only way to achieve a loan modification then I will move back into the property after the renters lease is expired. Fay will not explore this option unless I have documentation of owner occupied for the past few months. This is impossible because the property is currently occupied by my renters. 

In XX/XX/XXXX we could not pay the mortgage and fell behind. In 6 years time, we have saved money and paid off debt. We currently do not claim to have a hardship but do request a fair settlement for this property. Fay currently has set sell the property at foreclosure on XX/XX/XXXX. We currently are behind over {$80000.00} owed to Fay but have been unable to make payments due to the many transfer of the note over 6 years. The amount owed is well below what the property is currently valued. 

We ask Fay Servicing make good on the initial loan modification agreement and keep in mind the property will be owner occupied within 3 to 4 months time.
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NV)

In regards to case # XXXX here is the attachment of the envelope dated mailed XXXX XXXX 2015 from zip code XXXX. This contained XXXX XXXX XXXX 's fraudulent reply to my QWR, he received on XXXX XXXX 2015. XXXX days after receiving my QWR.. A clear violation of RESPA XXXX day reply rule.and attempt to commit fraud, by back dating the document which had no real info anyway. Also received XXXX XXXX the attached false resolution from XXXX XXXX XXXX. Still not disclosing the info I requested that will show WELLS FARGO and XXXX XXXX XXXX XXXX HAVE NO LEGAL AUTHORITY TO FORECLOSE.. tHE TRUSTEE SALE IS TODAY, AND MIGHT RIGHT TO DUE PROCESS OF THE LAW WILL BE VIOLATED BY THE SATE OF NEVADA AND THE U.S. ACCORDING TO THE 5TH AND 14TH AMENDMENT TO THE CONSTITUTION. PLEASE STOP IT IF YOU CAN. THANK YOU.
Consumer complaint received 2015-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MD)

I would like to place a complaint against CHASE bank. Our house has been in default since XX/XX/XXXX. We initially owed only {$5000.00} and the bank started to refuse taking our payments each mortgage payment which were sent were returned. We have tried since that time to work out a loan modification with Chase Bank who is our loan provider and we are now in XX/XX/XXXX we have been battling for the past 7 years with the bank for a loan modification and have spent money on various types of agencies and have gone to also various non paying agencies as well in trying to come up with a loan modification solution. We still yet are waiting for a positive response toward a modification offer by the bank. Each agencies that have tried to help us after a year have given up and we are here still fighting. Each year there is a crisis that erupts in the family when the bank establishes a sale date for foreclosure and we go round and round trying to get it postponed and start again the same process all over again. Our family XXXX suffers from chronic XXXX XXXX XXXX, I ca n't even explain the impact of this situation on our family. We do n't know what to do, we have gone even at one point tried to declare bankruptcy to avoid loosing the house. We see others that have faced the same type of issues like us and have gone ahead toward a modification with their bank and us for whatsoever the reasons we still have not yet obtain an answer from the bank after all these years. All my mother 's savings all her life 's work have gone into purchasing this home. She is now retired and should be at peace but it is not possible because of this situation. Her work situation of course is not the same since she has now retired but she has support from us her daughters and renters in the house she is able to pay if the bank would finally come up with a modification for us. We need help because we do not know where to turn at this point of time.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-06-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (DC)

I lost my $ XXXX. to a lie and was black balled in the education profession. Our teacher unions failed us but XXXX will take of this unjust situation! I have been unemployed and underemployed off and on since then. My mortgage company refused to modify my loan even though I informed them of my work situation. I have the White House and the Office of the Comptroller involved with this situation, I have been actively employment. This stress has caused me to have XXXX, XXXX and XXXX XXXX XXXX. Currently, have to go back and forth to the ER and XXXX XXXX XXXX for treatment. 
I filed numerous complaints to Office of the Comptroller, White House, XXXX, &. XXXX XXXX XXXX. Last year I told the I plan to sell the house. All of a sudden the mortgage went up to {$2400.00}. How did it go up that high when I could afford {$1800.00}?
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I applied for a checking account and was told that XXXX XXXX is reporting a charged off checking account in my name. I have been a victim of identity theft and there were fraudulent loans opened in my name XXXX XXXX was one of the institutions involved. I have filed a police report because of the continued issues that i have been having with identity theft. I am writing in this complaint becauseI have tried to get in contact with Chexsystems and have not been successful in getting helped or located in their system.
Consumer complaint received 2015-06-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

On XXXX XXXX, 2015 I reached out to my Congressman. I am currently XXXX, unable to work, and has a XXXX year old daughter. I am under tremendous stress, and receiving XXXX for my illnesses. As a result he was unable to keep up with my mortgage, and my home entered into foreclosure. I needed assistance to postpone a trustee sale on my family 's home. I have been working with a HUD housing counselor, gathering the necessary documents he needed to apply for XXXX ( XXXX ), XXXX program. The request was made to Bayview Loan Servicing for an extension, in order to give me enough time to submit the required documents, submit my application, and receive a tentative approval from XXXX. 
On XXXX XXXX, 2015 after sending a request to Bayview Loan Servicing to give XXXX XXXX more time, the Congressman 's office received a response concerning the case. The response stated a new sale date of XXXX XXXX, 2015. 
However on XXXX XXXX, 2015 I was notified his home was sold on XXXX XXXX, 2015. That same day my Congressman 's office spoke to XXXX XXXX of Bayview Servicing and confirmed that the home sold. A supervisor had agreed to contact their office that day but that has yet to happen.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

Back in XXXX I was in the process of purchasing a home. I lived at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. While in that process I found out that I was a victim of Identity Theft and the person that stole my identity was using a California XXXX. I have lived in XXXX since XXXX my previous address was XXXX XXXX XXXX XXXX in XXXX XXXX the address which I lived from around XXXX until XXXX. Then after losing several houses that I had bid on and banks that denied me credit due to identity theft I finally got a bank loan after I had an Affidavit of Fraud sent out and had a stop put on my credit to help stop the fraud. I called so many agencies trying to get help. The FBI would not help me and at the time I had no where to turn. I finally purchased the home at XXXX XXXX XXXX in XXXX, XXXX XXXX. The incorrect addresses in XXXX listed as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX are not my previous addresses. They were used by someone else. I have never lived nor even visited XXXX and I need this information removed. I tried to have it removed back in XXXX but it was never removed. I also had a freeze put on my credit for years to stop the person in XXXX from buying things. From what I understand they purchased furniture, Cell phones and possibly tried to get a car in my name. My birth date is XXXX. I also need my work place information corrected. I have never worked at XXXX XXXX XXXX nor XXXX and XXXX. My employer is XXXX XXXX XXXX XXXX and I have worked there for 19 years. I have the police Cheif XXXX XXXX XXXX at XXXX XXXX Police XXXX and has known me for 19 years and can verify that I have lived in XXXX XXXX Pennsylvania from XXXX until XXXX. You can also contact the Police Cheif XXXX XXXX at XXXX in XXXX XXXX that can verify I moved to XXXX XXXX XXXX in XXXX and still live at this address. Also the social security office and verify my addresses since XXXX of my children were getting XXXX back when I lived at the XXXX XXXX address. My daughter XXXX XXXX XXXX still suffers from XXXX now and still gets social security XXXX and lives here with me at XXXX XXXX XXXX in XXXX, XXXX XXXX. When I found out about all of this I was in contact with several police departments in XXXX and sent them all letters due to identity theft. I was told they were going to investigate this but lost contact over the years due to my moving and some of the documents being misplaced. I really thought this was taken care of and I really need to have this information corrected as soon as possible. Thank you very much.
Consumer complaint received 2015-04-01
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (WI)

I was suggested this card from my dental care. As per their suggestion, I applied and was charger for my service. I was making payments in time for past one and half years. For last three months, I dint receive any statement. I was contacted by their reps and informed that i was running behind my payments. I informed that, I will make a payment after I receive the statement. After two days I received the statement and was charged XXXX interest of XXXX balance. I offered them to pay all my remaining balance which is XXXX but informed that I am not making interest which sounds ridiculously high. And I do n't think it was my fault since I dint receive any statement for past 3 months. It looks to me that they intentionally dint send the statement so that they can force me to pay unjustifiable interest. I am ready to make a full payment but wo n't pay the interest. At this point I feel like they are palying fawl game. Please suggest us something that will help, I do n't wan to owe them money but still do n't want pay fowl interest which was introduced later on.