davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC (AL)

This number called me and when I returned the call, the male who answered the phone did n't state his name or the company he was calling about. The company actually left a message about them being a student loan forgiveness company and I called back to take my number off that list. Weird. He just said hello like it was his personal cell phone, then start asking for my social and birthdate, rightly so I would n't give it. I told him that 's not how you call about a debt. You have to give the statement about this is an attempt to collect a debt, he told me he does n't have to say that. I told him I was giving out my info over the phone and to send me verification of the debt. He told me, he does n't have to do that and hung up. I called back and then got XXXX, who finally told me this was Pheonix Financial and I informed her, you would writing up this report. She put me on hold for some other lady, who got upset with me for asking her to hold on for a minute, she told me she has other calls to take care of right now. Then after that hold for approximately 2 minutes and some seconds. I asked her to hold please, she had no minutes for me. Told me if was a business and I was holding her up, then hung up on me. I then called back a third time and told my name to XXXX, that I would recording the call myself this time. I gave my name and said I would like the verification of debt within 30 days in writing to the address they have on file. She told hold on, they like to put you on hold but not hold for a minute for you, transferred me to XXXX again, who said I would get the bill in writing finally and I wanted to her to state the company 's name, because through the whole phone call it was n't stated not even once. She then got angry and very upset and said before she hung up on me, she did n't give me permission to record the call. This was 19 minutes of my day. When called another company about another debt, the same day, it took me all of 5 minutes, no hang ups, no angry, and they did n't need me to tell them any info, they just verified it was me and they are sending something in writing.
Consumer complaint received 2016-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

1. We attempted to work on a new loan modification with Bank of America and then XXXX but were denied. For years, we continuously submitted document after document being requested only to be denied for failure to submit documents ( which was untrue ). 
2. On XXXX XXXX, XXXX, Bank of America/XXXX sent my attorney a letter stating they received our request regarding a loan modification and it was referred to a specialist. 
3. On or about XXXX XXXX, XXXX, we received a letter BOA/XXXX, stating that we were denied a loan modification " after being offered a Trial Period Plan or modification, you notified us that you did not wish to accept the offer ''. This was not true as evident by the payments made by us from XXXX XXXX through XXXX XXXX. 
4. In XXXX XXXX, we were offered and accepted a trial loan modification plan. For almost two ( 2 ) years, we were making our monthly payments from XXXX XXXX until XXXX XXXX, without a problem. 
5. In XXXX XXXX, we sent in a payment and our check for the trial period amount was no longer accepted by the bank and it was returned because it was not the full amount. This was through no fault of ours and we were baffled as to why this sudden halt in payments and in the agreement. 
6. After two years, BOA decided to stop accepting the payments from us arbitrarily and without cause. They sent a letter denying their loan modification. 
7. Since then, we have been attempting to return to their modification plan and have received nothing but a mouse chase around from the Bank of America representatives. Our intentions are to keep the home for our family. We were being considered for the Department of Justice loan modification prior to their denial. 
8. We have been attempting for years to work out a deal with the bank. Last year we attempted to work out a keys for cash deal and because we could not clear the title due to old releases not being filed by the banks, however we were unable to do same. 
9. We ca n't provide what we do n't have or ca n't get. 
10. Now we are being told that our home will be put on auction. We feel railroaded and without options other than accepting the auctioning of our home.
Consumer complaint received 2017-01-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (FL)

My Chase checking account was suddenly " blocked '' XX/XX/XXXX with no prior notice, which I did n't discover for over a week. They told me it was because they needed additional information. I asked why I was n't contacted to ask for the information. They said they mailed me a letter XX/XX/XXXX. I never received a letter. At first they could n't find a date or any other proof that a letter was sent. Upon further research, they discovered it had been sent to an address I have n't lived at for 2 years. I had updated my address a long time ago, and they indeed had it on file, and I have received other correspondence from them. No reason was given why they sent it to an old address. I went into a branch and answered all the questions that were asked. It took a day to unblock the account. A week later, it was blocked again! I was told it was because they needed additional information because the account was in a trust. Why did n't they ask me all the questions the first time?!? Again, no prior notice of the account being blocked. The banker at the branch told me he asked all the questions that appeared on his screen. He spoke on the phone with corporate, and neither one seemed sure of what the requirements were. Nobody ever answered why these questions were necessary, just that it was " Chase policy. '' Upon talking with my financial advisor, I discovered it was due to a new regulation that all banks have to adhere to. Chase never told me this. I wanted to close the account, and was told I could n't do so until the account was unblocked, which would take a day or 2. It has now been unblocked again, I have already been charged one fee ( which Chase reimbursed ) for a payment that bounced back because the account was blocked. I do n't know yet if there will be others. 
How can they just arbitrarily block people 's accounts with no notice?!?
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I made a formal request to XXXX, XXXX, and XXXX on XX/XX/XXXX to correct the balance to show {$0.00} on a revolving account for creditor XXXX XXXX XXXX XXXX. As of XX/XX/XXXX this debt was cancelled and reported to the IRS. I have included a copy of the XXXX XXXX XXXX XXXX XXXX summary provided by XXXX XXXX XXXX XXXX. XXXX, XXXX, and Transunion are still reporting inaccurate, misleading, and outdated information for this account on my credit file.
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CT)

i have been in limbo since XXXX with my mortgage. this has destroyed my business and my family. i needed my credit to get loans to build etc ... .. i tried working with indy mac years ago but they started a modification but stopped because the FDIC was taking them over. since then the new company XXXX charges and misc charge for inspections, realtor fee 's etc ... .have just put the loan amount through the roof. i ca n't get them to give me the bills for all these charges and the licenses of the people doing these special tasks for the bank. for example the bank is charging me XXXX of dollars for realtor appraisals? they do this for free? also this needs to be done by a XXXX person. they will not send me the name of the person and copy of the XXXX or the report? if i am to pay for this why cant i get this info? this is just one of the scams and added fraudulent charges they are trying to have me pay. this again is to drive up the cost on the house to put it further and further under water.i have since found out that they have no real willingness to modify because they are reimbursed the entire original loan amount from the FDIC no matter what they sell the take house for. 
now bank has started up again with foreclosure. they ca n't produce the original note and have told me the note was lost. i was told if the note is lost. they give the court documents that are totally fraudulent. 
i spoke to a reporter who is doing a story on this whole thing and since then in XXXX thing seemed to have stopped? he found violations of so many different banking laws and sec rules. 
now the bank has hired a new attorney and they say a satisfaction of mortgage which my esq found on the town records fraud? they made a mistake and now they say i am to blame. they have use robo signed doc for years and now that it is in my favor it is my fault? i have written hundred of letter to indy mac and every time they tell me something different. i was told note was lost and i would be getting a XXXX back in XXXX? this is why it was satisfied. 

crazy thing is they are doing all this with tasx payer .
Consumer complaint received 2017-01-30
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (GA)

American Express has reduced the number of days before payment is due in full. They went from essentially an end of the month ( last day of the month ) to a 25 day payment period from closing date. As an example, if your closing date was on XX/XX/XXXX, payment would be due in full on XX/XX/XXXX. This is a change that only benefits American express and not their customers and is a way to increase late fees and other charges. American Express knows that most people get paid on the last day of the month and that is how they budget their credit card payments. Now by moving it up, they know individuals will incur late fees as they will not be able to pay the balance until they are paid from their employer. This type of change is just a farce and unethical in my opinion.
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

on XXXX/XXXX/16 i initiated a dispute. The dispute included the following accounts : XXXX XXXX XXXX # XXXX Federal Tax Lien DOCKET # XXXX State Tax Lien DOCKET # XXXX State Tax Lien DOCKET # XXXX On XXXX/XXXX/16 I received results indicating that the XXXX XXXX account had been deleted. Subsequently the same account with the same amount due and the same original creditor was reinserted to my report and without notification. It appears that the collection agency is attempting to re-age the debt and change the account # even after the account was deleted. This is a direct violation of the FDCPA as well as the FCRA and should be immediately deleted. Whats more the Transunion consumer representatives continue to deny that the account exists. However, it still remains on the file. 

As to the XXXX tax liens i contacted both the XXXX XXXX County Recorder and the Clerk of the Superior Court of XXXX XXXX and they indicate that they do not respond to investigations from credit reporting agencies. The responsibility is on Transunion to verify the accuracy and completeness of the items they are investigating. There is no possible way that Transunion could have obtained the legally required verification. This is a clear FCRA violation.
Consumer complaint received 2016-06-15
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (WA)

Elan financial prepaid card account has reported 3 late payments to the credit bureaus two of which are false and the other is their error. I have written them emailed them and called them, but they will not even let me talk to anyone that can straighten it out. This is keeping me from buying the house I want. I have perfect payment history on all my other XXXX accounts. This was a clerical error on their part
Consumer complaint received 2017-01-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

Prestige Finance continuously calls and texts my cell phone during work hours. They also have charged a ridiculous amount of fees to my delinquent account and this month was the XXXX month I have received a statement from them. So I have no idea of how these fees break down. They also record my calls and do not advise me of so when I call or when they call me. I also tried numerous times to complete a voluntary repossession and advised that the car was not operable and was with a third party mechanic in which I could not afford to pay for due to extensive rental car bills to get back and forth to work. Yet and still they constantly requested money for payments and stated that there were over a XXXX dollars in fees. But have never sent out monthly detailed statements to break down what was being paid and what was owed.
Consumer complaint received 2016-07-08
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX, XXXX, I spoke with XXXX XXXX XXXX regarding my complaint. During our conversation, we discussed that I contacted us by telephone on XXXX XXXX, XXXX, to open a billing dispute claim for the transaction in the amount of {$41000.00} from XXXX training that posted on XXXX XXXX, XXXX. At that time, I informed us that I will not attended the XXXX and I want to cancelled the entire amount of the transaction on XXXX XXXX, XXXX. The Company said that, on XXXX XXXX, XXXX, they offered me a 10 % discount and as of today, I am still waiting for the refund and the additional refund for the XXXX over transactions XXXX for {$990.00} and {$1900.00} still not showing on my account yet a total refund of {$40000.00}. Every time I contact them they told me the refund was send and I just think they just liar to me and they will never refund me my money.
Consumer complaint received 2016-08-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of American Mortgage Loan which I secured in XXXX for property, XXXX XXXX XXXX XXXX, XXXX GA. Since, XXXX Bank of American removed the Mortgage Payment History regarding this Mortgage from my Credit File. I have contacted BOA on several occasions and requested their assistance with placing my payment history for this particular mortgage BACK TO MY CREDIT FILE. 
Attached you will find a copy of a current Mortgage Statement for payment for this Mortgage along with a recent copy of my XXXX Credit Report which still reflect NO REPORTING of my Mortgage and/or Mortgage History from BOA which I disputed with XXXX. 
It would be much appreciated if CFPB can assist me with getting BOA to come into COMPLIANCE WITH the FAIR CREDIT REPORT ACT!
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted XXXX disputes with TransUnion over the past several months. I have not received a single response from them via US Mail with the results of their investigations. I also have not seen any changes on my credit report based on the credit report that has been provided to me by my credit monitoring service.
Consumer complaint received 2017-01-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (WA)

I asked Union Financial Services to transfer a XXXX XXXX account ( ~ {$630000.00} ) to Union Financial Services and manage that account. I understood a fee would be charged for the service. After the account was transferred I learned Union Financial Services was also charging a fee for my IRA ( ~ {$260000.00} ) account without my instructions. Union Financial Services Compliance Analyst, XXXX XXXX and XXXX XXXX sent me a letter with a copy of the transfer request with the copy of the Managed Account New Account Application for the Account being transferred From XXXX to Union Financial Services as proof that I wanted Union Financial Services to manage my IRA account. I asked for a copy of the application that Union Bank Financial services alleged that I signed for managing my IRA account and Union Bank Financial Services was unable to provide that document. Union Bank Financial Services also advised me that they decided to close my IRA account and other accounts as punishment for asking the details of my investment accounts.
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A Merged Infile Credit Report has continued since XXXX 2010 to show that the Bank of America reports late payments of 30 days on a loan that was paid to them in full in XXXX 2010 and has has not existed since. There is no late payment, and the loan was paid in full. As a result of this, in spite of excellent credit, we have been unable to finance our home at the prevailing low interest rates.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions Account XXXX : XXXX COLLECT, NUMBER : XXXX Account XXXX XXXX XXXX XXXX XXXX : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXX XXXX ( a ) ( XXXX ). 
According to XXXX XXXX XXXX, Section XXXX ( A ), I have the right to privacy. Furthermore, under XXXX XXXX XXXX, Section XXXX ( A ), Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXX ( a ) ( XXXX ) states that no consumer reporting agency XXXX include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXX ( a ) ( XXXX ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 
I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with XXXX XXXX XXXX ( a ) ( XXXX ). 
Correction of any inaccurate information in accordance with XXXX XXXX XXXX ( a ) ( XXXX ) Notification of the correction to any person who has received my credit report the past sixmonthsI expect a written response within the next 30 days. If this situation is adequately resolved, I Will consider taking the necessary legal actions to protect my rights.
Consumer complaint received 2017-01-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I had my original mortgage with XXXX. I lost my job due to the recession XX/XX/2008 and had trouble making my monthly mortgage payments. XXXX began charging me extremely large " differed interest '' fees each month my payments were late as well as charging late fees. By the time I was able to make regular payments again XXXX had added over {$31000.00} in differed interest to my mortgage. Now, after paying on my home for over 11 years my payoff amount is significantly over the initial purchase price. I 'd like to sell my home, but with this huge amount added to the loan it makes it financially impossible to do so.
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

I had to several hardship, I loss everything and had to file bankruptcy. I was advise per the bankruptcy these student loans should have been discharged. I have not been able to get a job with this degree from this university. I am truly in need of some assistance. Thanks in advance!
Consumer complaint received 2017-05-10
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. (GA)

My name is  XXXX   XXXX . I have several accounts listed on my credit reports that are listed incorrect information *violations of sect  623  fcra*. Transunion and  XXXX  will not remove this accounts. I have disputed this information and they only will allow me to re-dispute the information which results in the information remaining on my account. I called today to both agencies to have this information deleted, but was advised I had to place another dispute. I can not log in online with either of these companies  (  which I am assuming is due to my continued disputing this inaccurate information. ) The accounts are   XXXX   XXXX   XXXX    which shows  19  120 day late payments ( missed payment violation ) sect 623 fcra states an account cant be listed more than 90 days past due which it shows  120  on both sites.   XXXX   XXXX    account is a violation of a hippa agreement.  XXXX   XXXX   XXXX   XXXX  I have no contractual agreement with and should also be removed from both reports.  XXXX  is an account that shows as a revolving credit which is inaccurate ( this is not a credit company and I have never had credit with them ).  XXXX   XXXX  bank is listed on my reports as charged off but was sold to a collection agency which is also a violation. An account cant be charged off then sold to a debt collector.