davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NJ)

In XXXX 2015, I was notified that due to my financial hardship, I was approved for a temporary modification per a trial period from Seterus. It was my understanding that in XXXX 2015 ; I would receive paperwork. If I agreed with the new terms of the loan modification I would sign off. I had called several times throughout the month with questions, such as, if I did not want or agree with the terms, if I could pay back what was owed to put my mortgage back up to date. Throughout that time Seterus representatives called me repeatedly, their purpose was to get me to sign the paper work. Finally on XXXX XXXX, 2015 in addition to the mortgage payment I paid over {$600.00} bringing me back up to date with the payments, I was also charged for bogus late assessment fees from XXXX and XXXX 2015 that I was unaware of, my postage indicates that the payments were sent out on time. None the less I made the payments with the understanding that I would n't be obligated to go through with a modification that only decreased my loan payment by {$130.00} and would have made me obligated to pay on a loan for an addition thirty years making an original 30 year mortgage, a 39 year mortgage payment despite that I had already contributed 9 years toward paying off debt on the mortgage. Also, it was my understanding that by paying the back payments that I would be up to date on my mortgage and all would go back to normal despite the fact that I would continue to suffer a financial hardship. On XXXX XXXX, 2015 despite the fact that the monies XXXX were withdrawn from my account, the mortgage company has stated that my credit is in jeopardy because the monies would be in suspension. This was not explained or my understanding when I begun the trial period modification. In summation I paid Seterus their money. Update my account. I am a struggling single mother with XXXX dependents. This entire ordeal is wrong, unethical, and I am being penalized for something out of my control that I was n't even aware could happen. Seterus is a predatory company that should be penalized for their unethical practices, policies, and procedures.
Consumer complaint received 2016-01-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had fraudulent activity on my credit card from Bank of America XX/XX/XXXX. When I reached out to them, they asked if I ever shopped with the specific merchant. I told the truth and informed them I have shopped with them but I was not present on those transaction dates and I never made or authorise those purchases. They said because of that reason it would be a dispute, which is not correct. During the dispute, they sent to me the receipts from the merchant. I told them again I was never there to make those purchases on that day and the receipts the merchant provided where not my signature. They went ahead and finally pursued it as fraud-which they should have done in the first place. They told me I was " XXXX not liable for the charges '' and they will continue to do their investigation. After awhile, they came back and put the fraud charges back into my account. When I asked them why, they informed me because I have shopped with that merchant before it is not fraud. I work in credit cards for another group and this is ridiculous! I even had another card compromised for the same dates and same exact charges from the same merchant. The other credit card company took care of my needs right away as fraud. I never shopped with the merchant on those dates nor signed those receipts and I told Bank of America they needed to pursue with the fraud case again. They told me they would not. I went ahead and closed the account and told them I will not pay anything. They continue to send me notices of payment dues. I do not want this to end up being sent to the credit bureau when I have fraud charges on my account not taken care of. I 'm pleading to ask what I can do to have this matter handled correctly. Thank you for you help.
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NC)

the company continuously reports bad information on me and allows my husbands vengeful ex to ruin my financial livelihood these inquiries are fraud XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Finance XXXX XXXX Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Medical And Health XXXX XXXX Show Details XXXX/XXXX/XXXX Finance XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Finance old account reporting, grantor XXXX stated delinquincy over 5 years old XXXX old account reporting, grantor even states several years from delinquincy XXXX XXXX charge off several years old should n't even be showing any longer, grantor, statue of limitations. 

XXXX fraud
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I have been approved for a trial modification from Bayview Loans Servicing and I made my first payment on XXXX/XXXX/2015. They took the payment via the phone using my checking account information. I understood that any foreclosure action would be halted once I was on a modification track..however, I just found a notice from a sheriff 's deputy on my gate indicating that Bayview Loans was trying to serve me with papers pursuing a foreclosure suit. This process service attempt is dated XXXX/XXXX/2015, eleven days after my first trial modification payment to Bayview Loans Servicing.
Consumer complaint received 2016-01-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TSC Accounts Receivable Solutions (CA)

In XXXX XXXX, XXXX XXXX XXXX refused care to me as a patient because she felt I owed her money even though I was up to date on payments based on the itemized billable account ( see attached billing ledger from her office manager, XXXX XXXX ). 

Even though it was BEYOND what was due, I paid the {$300.00} bill in full to the penny on XX/XX/XXXX. I have attached copies of the receipt of payment and email confirmation thank yous for full bill payment from XXXX XXXX and XXXX XXXX, the doctor 's office managers. 

In addition to attached copies of the ledger from XX/XX/XXXX, I have attached evidence of yet an additional payment I had made of {$150.00} on XX/XX/XXXX prior to the XX/XX/XXXX {$300.00} payment. The truth is : I paid WELL BEYOND what was due on the account according to the XX/XX/XXXX ledger balance. 

I did not see the doctor in XX/XX/XXXX AT ALL because the doctor still refused services to me after I paid my bill in full on XX/XX/XXXX. After I paid my bill in full on XX/XX/XXXX, she abandoned me as a patient despite the fact that I had a time-sensitive FDA regulated XXXX. It took me four months to receive much needed care and refill the XXXX. I was XXXX by this doctor when she refused patient care to me and yet I have not yet taken any legal action against her for my XXXX ( although I should ). 

TWO YEARS (! ) later, in XX/XX/XXXX, XXXX XXXX XXXX reported a collection of {$42.00} ( {$51.00} with interest ) to my credit bureaus -- over and beyond the final bill which was paid. This is fraudulent billing -- my account was paid in full in XX/XX/XXXX for {$300.00} and I have the receipt along with email confirmation that the bill was paid in full by her office manager. 

I have tried to contact the doctor 's new office manager 17 times to resolve this issue and he continues to hang up on me. I have asked for the doctor to call me back ten times and she has n't returned my calls. I have even tried to connect with the doctor on XXXX to reach her but she has rejected my invitation. I have tried to call the respective collection agency phone number listed as reference for this account on my XXXX credit report, and their number is " out of service. '' XXXX XXXX XXXX is a bad doctor with illegal billing practices. Her team has zero concern for patients or resolving patient billing issues fairly. She fraudulently charges patients and her billing procedures need to be investigated. 

Despite providing documentation about this issue in great detail including receipts, email confirmations, and more to XXXX, they refused to remove the Collection from my account. Both XXXX and XXXX have removed the Collection from my accounts, declaring it to be fraudulent billing. XXXX XXXX XXXX still refuses to take my calls and the phone number of her " collection agency '' is disconnected. 

Please help me as a consumer!
Consumer complaint received 2015-12-31
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cooper Hoffman Klein Associates (MD)

I took out a loan with XXXX XXXX in XXXX California. I only owe {$310.00}. I have been contact by XXXX XXXX XXXX, Cooper Hoffman Klein and Associates, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX about the same {$310.00}. I was coerced by XXXX XXXX which claimed it was located in Ohio to set up a payment play of 6 months paying {$110.00} from my Social Security monthly check. XXXX XXXX XXXX threaten to file paper work with XXXX XXXX XXXX in California to garnish my wages. I set up the payment plan and the first payment of {$110.00} and it was debited from my Social Security check account card XXXX XXXX, XXXX. I requested that XXXX XXXX XXXX send me a bill so I can see the exact charges and they would not produce a bill saying they do everything via email or electronically. By law XXXX XXXX XXXX or Cooper Hoffman and Klein Associates has five business days to send me an itemized bill and a requested to send me the copy of the payment plan I set up with them. I contacted XXXX XXXX and found out {$310.00} was all I owed and that they XXXX sold the debt to XXXX XXXX on XXXX XXXX, XXXX. Then XXXX XXXX sold the {$310.00} on XXXX XXXX, XXXX to XXXX XXXX XXXX. I was harassed over the phone by the legal team of XXXX XXXX XXXX Cooper Hoffman and Klein and Associates saying they could not send me an itemized bill stating I had to set up a payment plan plus pay the entire amount prior to getting an itemized bill and my payment plan information. I never denied that I owed XXXX XXXX {$310.00}. I would like to pay my debt of {$310.00} to XXXX XXXX directly.
Consumer complaint received 2015-09-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

Overton, Russell, Doerr and Donovan, LLP have been attempting to collect a medical debt even after the debt which was the result of an error in insurance billing was straightened out. At no point have we owed XXXX XXXX XXXX any money. The co-pay was paid at the time of the visit. The " debt '' was the result a billing error on the hospitals part. The issue has been resolved. The hospital assured us they contacted Overton, Russell, Doerr and Donovan, LLP but they continue to send us threatening letters stating our credit will be effected if we do n't pay a debt we do not owe. We have been very cooperative with Overton, Russell, Doerr and Donovan, LLP in attempting to clear up this issue. They for some reason refuse to leave us along and are threatening us with our credit.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Sir/Madam, URGENT REQUEST FOR REMOVAL OF INACCURATE EVICTION ATTEMPTS I am writing to urgently dispute and demand the removal of eviction attempts from XXXX XXXXXXXX XXXX XXXX XXXX that are inaccurately reported on my credit file. I have never been evicted from any property, and these entries are entirely false. 

These erroneous eviction attempts are putting me at immediate risk of not being able to secure housing and are causing undue emotional distress. Landlords are reviewing this incorrect information and making decisions based on false records, severely hindering my ability to find a new home. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have only accurate and verifiable information on my credit report. Section 611 of the FCRA mandates that credit reporting agencies investigate disputed information and delete any unverifiable, inaccurate, or incomplete entries within 30 days. However, due to the urgency of my housing situation, I am demanding that you correct these false eviction attempts within 3 days. 

Additionally, under the Fair Housing Act ( 42 U.S.C. 3601 et seq. ), landlords and property managers may deny housing based on incorrect eviction information, which constitutes a barrier to fair housing access. This misinformation is subjecting me to housing discrimination, violating my rights under federal law. 

Moreover, I bring your attention to the penalties outlined under the Consumer Financial Protection Bureau ( CFPB ) regulations. Failure to promptly address inaccurate information can result in civil liability for willful noncompliance, as per 15 U.S.C. 1681n, and negligent noncompliance, under 15 U.S.C. 1681o. You are required by law to maintain accurate information, and continued reporting of these false eviction attempts is both a breach of your legal obligations and a serious detriment to my rights. 

Below are the specific details of the inaccuracies : Property 1 : XXXX XXXX XXXX 2 : Tapestry Overbrook Dates of Alleged Eviction Attempts : [ Insert date or date range, if known ] I have attached documentation confirming that I have never been evicted. 
I request that these inaccurate eviction attempts be removed from my credit report within 3 days of receipt of this letter. Failure to do so may leave me with no option but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action under the FCRA. 

Upon completion of your investigation and removal of these erroneous entries, please send me a copy of my updated credit report showing these corrections. 

Thank you for your immediate attention to this critical matter. I expect your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-12-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Management Company (FL)

I get this account bill to my house, I had Medicaid coverage, bring the bill to the department of Children and Family, send them a fax in XXXX occasions so that it will be settled, then no receive any information about this situation, checking my credit report I find this account, seeing it reported I contact with the company I explain the details of my medical coverage respond to what it was late because he had already reported that if could remove called before being a communication error between the hospital and the agency, requested delete it from my report I paid already the same, I not responsible for data error that did not occur correctly between companies at the right time.
Consumer complaint received 2015-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (CA)

Hello I am contacting you on behalf of my XXXX year old grandmother. We have been dealing with 21st Mortgage on a loan modification and we were under a bankruptcy. The bankruptcy judge stated the the bank could work with us on a modification while under the bankruptcy. I have been trying to contract the bank for weeks and I was n't getting anyone who would talk to me. I finally reached someone today who told me that they could n't talk to me because of the bankruptcy. I informed them of the orders from the bankruptcy court and they told me that the sale date is on XXXX XXXX XXXX and they could n't review a modifaction package. I told the young lady that I had been calling for weeks and no one from the legal department would n't answer the phone. My grandmother has been in her home for 40 years and she has always paid her mortgage on time until she was put into a loan that she could n't afford. The loan was transferred about XXXX or XXXX times to different lenders every time I put in a loss mitigation package to the new lender the loan was sold again. The assignment are also out of order. And I even tried to ask 21st mortgage about some of the programs that are being offered to help home owners stay in their home. And they basically told me that they do n't participate in any of the programs. My grandma owes XXXX on her home but it 's only worth XXXX and they will not work with us on reducing the price. We desperately need some assistance. The loan number for 21st Mortgage is XXXX. In the past I 've spoken to XXXX XXXX, XXXX XXXX and today I spoke to XXXX at XXXX XXXX who is the head of the legal department and she is the one who informed today that they would not be working with us. My grandma can afford to pay {$1500.00} to {$2000.00} a month but her payments are {$2700.00} a month. And my grandma was in a XXXX from XXXX XXXX until late XXXX. And I explained everything to 21st mortgage and I also told them that I had an approval from an investor for the short sale but they would n't even review my grandmas loan for loss mitigatio. 

Thank you for understanding,
Consumer complaint received 2015-12-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MO)

I have requested my annual free credit reports from Equifax , XXXX and XXXX ; I received my credit report from XXXX XXXX, 2015 and sent back disputes in XXXX, 2015 never heard another word. 

I sent in XXXX request to Equifax , XXXX never heard a word or the free annual credit reports. 

I would like my free credit reposts and I would like XXXX to take my disputes seriously and reply. 

XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-12-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (LA)

XXXX, who claimed to be a supervisor at Discover Bank, informed that the company had placed an interstate call to me and recorded it without my permission. She said I should 've been informed that Discover was recording the phone call when I called into their center. I did n't call them. They called me. 
The Bank has not honored its promotional terms for my opening an account, although another employee, XXXX, verified that I had met all of the requirements and the promotion should have been honored. XXXX and XXXX both said they would have to inform another department of the potential error and it would take another 4-6 weeks for them to consider whether to fix their error in applying the bonus that should have been applied in XXXX for opening a bank account with their company. XXXX and XXXX said they wo n't honor the terms of their promotion if I close the bank account now.
Consumer complaint received 2015-12-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NJ XXXX XXXX XXXX, 2015 My name is XXXX XXXX, and I am borrower for real estate closing of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. The closing took place on XXXX XXXX, 2015, and the closing had been delayed almost 2 months due to Bank of America loan officer and underwriter 's numerous mistakes. 
Further, although BOA loan officer has reassured me there will not be any penalties for the rescheduling of my closing, there was {$2800.00} fees on my closing which I never agreed ( see attached HUD, Page XXXX, Item XXXX ). 
No one informed me there will be " Adjusted Origination charges. '' Further, there had been discrepancies on Good Faith Estimates provided to me ( See attached GFE dated XXXX, XXXX, and XXXX ). 

1. GFE dated XXXX/XXXX/2015, there was charge of {$660.00} for 2.75 %. But, Estimated Settlement Charge Summary dated XXXX/XXXX/2015 showed Rate Chosen Discount Points of {$660.00}, and RESPA Credit Worksheet dated XXXX/XXXX/2015 showed Loan Lock Extend fee of {$660.00}. 

2. GFE dated XXXX/XXXX/2015, there was charge of {$1000.00} for 2.75 %. But, Estimated Settlement Charge Summary dated XXXX/XXXX/2015 showed Rate Chosen Discount Points of {$1000.00}, and RESPA Credit Worksheet dated XXXX/XXXX/2015 showed Discount point fee of {$660.00}. 

3. GFE dated XXXX/XXXX/2015, there was charge of {$1500.00} for 2.75 %. But, Estimated Settlement Charge Summary dated XXXX/XXXX/2015 showed Rate Chosen Discount Points of {$1500.00}, and RESPA Credit Worksheet dated XXXX/XXXX/2015 showed Discount point fee of {$1500.00}. 

4. On XXXX/XXXX/2015 closing, actual fee was {$2800.00}. 

Although BOA loan officer repeatedly advised me he will waive any penalties or fees, I paid {$2800.00} at the closing, and as of today, I have not received the refund check or further explanation from anyone. I hereby demand Bank of America to give me full refund of {$2800.00}. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-12-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Mitchell Rubenstein & Associates, P.C. (VA)

I received a dunning letter from a 3rd part debt collector. I attempted to get validation of debt from them by sending XXXX letters to them. I did not receive a satisfactory response. I then sent them an estoppel letter. ( see attached ). 

This debt collector unbeknownst to me filed an action in XXXX XXXX XXXX courthouse acting as if they were representing XXXX XXXX XXXX, this was fraud on the court. 

I just discovered a default judgement was entered in XXXX XXXX XXXX XXXX for a debt that was discharged in my wife 's bankruptcy in 2013 as evidenced by her credit report. 

These 3rd party debt collectors are posing as attorney 's representing XXXX XXXX XXXX, when in fact they are nothing but interlopers that purchased this old debt for pennies on the dollar and are now attempting to collect the entire amount. 

I was not properly served by a sheriff as required and as a result a default judgement was entered.
Consumer complaint received 2015-12-31
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I just opened an account threw Huntington bank am then I made a deposit an the same day they withdrawn {$190.00}. I called an they are trying to say I opened an account in 2013. An wrote a check that bounved. I never had an account at that time am never had a bank card or checks. So there is no way this could of happened I do n't no if someone has stolen my identity that is the only answer for this problem.