davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, I purchased a property with a mortgage from BofA at XXXX, Fl XXXX. 
BofA ordered an appraisal with XXXX ( a part of BOFA at the time. They chose XXXX XXXX a fly by night who did not do a valid appraisal. I Asked BofA to do a new appraisal as his appraisal had many errors and I was concerned. XXXX XXXX my loan officer said " it does not matter. All that matters is you get the house ''. I have repeated asked for a new appraisal or an appraisal review but they refuse as XXXX BofA person said '' we dont want to do it because it will come in so low '' .Now I am stuck with a butchered house remodeled without licensed persons or permits and have over {$71000.00} of code violations and must do repairs. I am angry that BOFA accepted the appraisal report after I complained. Apparently they think my opinion does not count.They have refused to do anything to take responsibility for what they did. I had an appraisor come inspect my home and he said XXXX XXXX did not do what is required by Floridas Statutes Scope of Work. I also talked with more than a XXXX appraisers in the area who said the appraiser should have checked public records to see if permits were pulled on such an extensive renovation. XXXX did not. I can not live in the home ( firetrap ). There is no electricity in half the house as is, wires are spliced and i have been unable to even turn on the elec water heater. " electricians told me not to. I have been told by lawyers that I can not rent or sell because I would be held responsible. Also about XXXX months after the closing BOFA sold my mortgage to XXXX XXXX. I contacted them and explained the problem and was very hopeful as they told me they could send the loan to BOFA or order them to pay me for the repairs. Then they changed their minds and. I think both banks want me to default so they get my deposit {$25000.00}, closing costs and all the payments I have made for almost XXXX years. 
SOUNDS FAMILAR! 

can you please help? 
sincerely, XXXX XXXX
Consumer complaint received 2015-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NJ)

In its statement dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX charged {$50.00} for service they said on XXXX/XXXX/XXXX, more than three years ago. Luckily, I had a copy of statement of my insurer indicated I paid in full in my copay for the service on that day, and I sent a copy of the statement contesting the charge and asked them for the reason why I am charged.They never provided more information or explanation of the charge, but keep charging in their statement dated XX/XX/XXXX,XX/XX/XXXX, and another one without date about a month later despite my repeated request for explanation every time I received such a statement. Finally, on XX/XX/XXXX, I received a phone call from an agent of Chase XXXX agency at both office phone and cell phone asking my birthday without explanation what for they are asking despite my repeated request. Since I could not recognize Chase XXXX XXXX, I told him I could not disclose my personal information without knowing what it was for, he hung up saying he would proceeds on collection process. When I return home late in the evening on that day, I received statement from Chase Receivables of the same charge that was referred to the collection agency with past due warning without any explanation of the charge that I have repeatedly requested for. I will be happy to pay if they provide me with good explanation for the charge, but they never provided me with one despite my repeated request, but forwarded the charge to collection agency. I am afraid that will adversary affect my credit record.
Consumer complaint received 2015-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (GA)

Contacted ERC directly and via CFPB regarding a debt that was not mine after I received a letter in the mail. Within XXXX hours of receipt, I contacted ERC by phone and by mail indicating that this account was a result of theft and I had no knowledge of the account. I provided a police report and FTC affidavit. I was I was told that this issue was resolved ( ERC also indicated such via the CFPB complaint that I filed ), yet ERC just placed a collection on my XXXX report for the same amount but with a service date of XXXX 2015-XXXX 2015. This is not correct as I have never had service. A police report has been provided and it has already been removed from my report once.
Consumer complaint received 2015-05-31
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (SC)

I was contacted via e-mail on XXXX about my Chase credit card. It was being used in a suspicious manner. Turned out there were XXXX instances of fraud using my card number this month. I immediately contacted Chase to cancel the account and report the fraud. The last case of fraud was local and the person is on the store security video. I attempted to file a police report with the local authorities but they needed an affidavit of fraud from Chase. Chase claimed to know nothing about this form and would not provide it. I have been on the phone with Chase numerous times and have not been given answers. In XXXX case I was put on hold and hung up after over XXXX minutes! I have since received a card from Chase to alert me that my account had been closed to protect me from fraud and it says there had been no fraud against my account. I asked Chase about the exact meaning of this but they give me the runaround, not providing answers. I have just about had it with them. I have been a great customer and do n't deserve this kind of treatment.
Consumer complaint received 2015-05-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Gatestone & Co. International Inc. (NY)

I called Gatestone Collection agency on XXXX/XXXX/2015 at XXXX. This debt from XXXX is not my Debit. I have spoken with XXXX and they have no knowledge of this account. The person on the phone was not helpful at all. I have spoken to Catestone XXXX times in regards to this account. Her response today was it is not XXXX but digital life which I am not even sure what that is. I had told them the other day to stop calling me I know nothing about this account.
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

The notice of sale was recorded on XXXX XXXX, XXXX, which granted XXXX to the above-mentioned property. The previous owner on title XXXX XXXX vacated and abandoned the property two months prior, due to a fire on the property that caused substantial damage, which made it inhabitable. The city has condemned the property and has filed a lien against the property current owners XXXX which has been working with the city to remediate issues with this property. 
Deutsche Bank has a track record, of contributing to urban blight by neglecting properties in high-impact revitalization zones. There are also some discrepancies with the recorded documents and no notice given to current lienholders in regard to XXXX banks attempts to foreclose on said property. The initial deed of trust was recorded on XXXX XXXX, XXXX with the lender being XXXX XXXX Mortgage Company, and XXXX XXXX Mortgage Company as trustee as well. This was a no-money down predatory lending loan that was offered by XXXX XXXX mortgage at the time, there is n't any bearer bond or any other instrument showing beneficial interest transferred over to XXXX XXXX or its subsidiaries. So the transfer appears to be invalid, and under California homeowner 's law must be validated. 
Lastly, the notice of default filed by Deutsche bank says that notice was given to homeowners, which is incorrect because property is boarded up and has a gate surrounding the property because of it 's hazardous condition and homeowner has n't been around in over three years.
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a weird XXXX. I submitted a Dispute through transunion and it was for something small on an account that hadnt been marked Closed as on the other XXXX CR agencies. This took place on XXXX. Now here is were it gets weird. On XXXX XXXX my credit score on XXXX dropped from XXXX to XXXX. Now knowing this, there was no change on any of my credit reports maybe very minor but nothing that should have caused my credit score to drop. All three of my credit reports are basically the exact same with very very minor differences on closed accounts but thats it. The other weird thing is that at the same time my other XXXX credit scores went up from XXXX to XXXX all within the same week. Ive tried to call Transunion but Im on the longest scheduled deployment in naval history so usually dont get much time on land and they wouldnt help. Any assistance would be greatly appreciated. XXXX XXXX
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I had a secured credit card with a limit that i deposited of XXXX and had made a few payments from my personal bank account. I had to pay an unexpected auto expense and the payments I had made returned from my bank. After calling and speaking to capital one the representative advised me that is in violation of their policy after kindly explaining the situation and she said that they would be closing my card and taking all of the money back that any remaining balance after they took out their fees and cleared any payments that are pending the would take it all and i would not recieve anything back which is not my understanding of how the secured card worked.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per my XXXX XXXX XXXX Tracker, TransUnion reported my account delinquent for the amount of {$59.00}, which is incorrect. Please see my current Credit Activity as of today XXXX/XXXX/2016. This information needs to be corrected immediately! 
XXXX is not reporting their information adequately to the credit bureaus!
Consumer complaint received 2024-09-24
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: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XX/XX/XXXX FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Dispute of Unauthorized Credit Report Inquiry Reference : 15 U.S.C. 1681 Fair Credit Reporting Act ( FCRA ) Dear FAIR COLLECTIONS & OUT I am writing to formally dispute an unauthorized inquiry listed on my credit report. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), it is required that no party may obtain my consumer report without my written consent or a permissible purpose, which includes my direct authorization. Upon review of my credit report, I found that FAIR COLLECTIONS & OUT accessed my credit report on XX/XX/XXXX without my knowledge or authorization. 

I have never provided written consent for FAIR COLLECTIONS & OUT to obtain my personal credit information. This constitutes a violation of my rights under the FCRA. I request that you immediately : 1. Investigate the unauthorized inquiry.

2. Remove this inquiry from my credit report.

3. Provide me with the results of your investigation.

In accordance with the FCRA, I expect this dispute to be resolved within the 30-day time frame required by law. Please consider this a formal complaint if no timely or satisfactory action is taken.

Enclosed are copies of my identification and any supporting documents necessary to assist with this dispute. Should you require additional information, feel free to contact me using the details provided above.
Consumer complaint received 2016-02-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (WI)

I took out XXXX separate loans through Citizens One Bank in XXXX, XXXX as part of XXXX 's iPhone Upgrade Program. As part of the program I am required to submit banking or credit card information for automatic monthly withdrawals of the payments. I was incorrectly charged twice for my first scheduled monthly payment for XXXX loans on XX/XX/XXXX. I contacted Citizens One immediately to get this corrected and was promised a prompt refund but did not receive one until XX/XX/XXXX. Once the refund was issued my account was immediately and incorrectly labeled as " Past Due ''. I again contacted Citizens One on XX/XX/XXXX and was told that they were having issues with their computer system and my account was not, in fact, past due. I was then charged one payment for each loan on XX/XX/XXXX and XXXX additional loan payments for each loan on XX/XX/XXXX. One of the three XX/XX/XXXX payments for each loan was credited back to me on XX/XX/XXXX which meant that I was still owed a refund on one payment for each of my XXXX loans. I again contacted Citizens One to get this corrected and asked to speak to a supervisor. After close to an hour on the phone I was told that a supervisor would call me back that day. After three days I still did not receive a return call so I contacted Citizens One again. I again explained to the representative what had happened and sat on hold for more than 45 minutes while they attempted to figure out what happened. I was told that a case file was opened and an " XXXX Loan Specialist '' named XXXX ( extension XXXX ) would be contacting me. Days passed with no contact so I called XXXX and left a message. Once again, days passed with no returned call so I called and left another message with XXXX but still could not receive a returned call. After another day or two I called back and finally was able to get XXXX on the phone. We went over everything from day one again and he assured me that my refund would be issued promptly and this would be corrected moving forward. The refund I was owed was sent on XX/XX/XXXX. However, as with the refund that was issued on XX/XX/XXXX, XXXX my loan accounts are now shown incorrectly as being " Past Due '' again. I also received emails on XX/XX/XXXX saying that Citizens One tried unsuccessfully to process another payment for each of my XXXX loans that day when they were not due until XX/XX/XXXX - they were once again attempting to process additional multiple payments. I have again tried to contact XXXX by leaving multiple voicemails and an email but have not heard back.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> I received a email from chase bank state that on XXXX of my business credit cards they were reducing my spending limits from XXXX & XXXX down to XXXX Because they said I had derogatory items reported on my personal credit such as judgement, collections, tax liens. 

However I DO NOT have anything reporting negatively on my credit.. NO collections, no judgements, no liens, etc. 

This was false, bias & made up! 

This affected my business livelihood for a few months because I was down recovering from a XXXX and I depended on my business cards to keep thing afloat until I was back working. 

This was disappointing because Ive never been late, never missed a payment, & have been a Chase customer over 10 years. 

I will attach my credit report and letter from chase
Consumer complaint received 2016-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (FL)

On XXXX XXXX, XXXX at approximately XXXX EST, I received a call from Phoenix Financial Services . The caller asked to speak with someone ( I assumed it was me but he butchered my name ) and immediately disclosed my date of birth. The conversation went something like : Debt collector : Hello, is this XXXX XXXX? 
Me : Yes, I 'm sorry who is this? 
Debt collector : This is Phoenix Financial Services attempting to collect a debt, is your date of birth XXXX XXXX, XXXX? 

At this point I asked him why he would disclose my date of birth almost immediately. He responded : because I can. Do n't lecture me on the law, you are n't the only person with that date of birth, it 's not unique. 

Of course, I hung up because I refuse to be insulted and yelled at by a debt collector. As far as I know, under HIPAA policies, identifiable information such as date of birth should not be so lackadaisically offered over the phone. HIPAA is relevant in this situation because he was attempting to collect a medical bill. 

Other issues that I had with this call is : 1. This debt was paid in full back in XXXX. I was taken to the emergency room after an assault - due to the nature of my injury I was referred to a local program that took care of my entire medical bill. 
2. The debt collector did not allow me the opportunity to validate the debt. The moment I started talking he starting yelling. He claimed 'he was doing me a favor ' and that 'I should be grateful '. 
3. Prior to this call, I have did not receive any notices or other calls pertaining to this debt. In fact no one has contacted me about this account since I left the hospital ( which was about 2 years ago ) * replaced with random information
Consumer complaint received 2024-08-21
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: EQUIFAX, INC. (WI)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2015-05-27
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One is constantly misleading consumers about low-interest promotions. 
As result, I will end up paying over 20 % interests on those old purchases, not just on the balance additional purchases at the end of the promotional period. 
The promotional notes that I received on the advertising materials do n't disclose the rate increases at all, while I 've just been contact by Capital One sharing " good news '' stating that my account it is eligible for a lower annual percentage rate ( APR ). So, to make the notice prominent enough, Capital One is creating the " impression '' that higher rates wo n't apply and it will go down to a standard purchase rate, but without communicating the actual rate.
Consumer complaint received 2015-05-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Harley Davidson Financial Services Inc (TX)

We put a few notes to the back and they did n't tell us they were accruing interest, so when the time came that all our notes due were paid. We still owed XXXX dollars from interest on those payments. Even though we were paying all future notes on time for a period of about XXXX years. They kept reporting we were late paying and still had an outstanding balance. This interest that was gained on the post dated notes were going to cost us the XXXX plus interest while paying on that. We tried to get it straightened out but to no avail.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I have submitted the proper papers to Specialized Loan Servicing in regards to my mortgage and what I believe to be too many fees and forced addition of my taxes, home owners insurance and HOA fees leading them to consistently increase my monthly mortgage to the point I can no longer afford to catch up or keep up with my payments.
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Billing disputes — 
Company: Army and Air Force Exchange Service (NV)

I placed a hotel reservation with Government Vacation Rewards for {$1000.00} on XXXX/XXXX/2015 with my Military Star credit card ( transaction reference # XXXX ). When I arrived at the hotel, I was told my reservation was cancelled. I had to purchase a reservation at a different hotel using a different credit card. I have been trying to get the charge credited back to my Military Star card from Government Vacation Rewards since XXXX XXXX, 2015. While fighting with GVR, I have only been able to recoup {$87.00}. I filed a dispute with the Military Star card XXXX XXXX, 2015. I received a letter approximately XXXX XXXX, 2015 stating they were taking the matter out of dispute, and I need to contact Government Vacation Rewards directly. This is completely unacceptable! 

Furthermore, I purchased an item from the AAFES website that never arrived. I was credited back the amount of the purchase, but not any interest. I was told by XXXX XXXX that he would credit the {$8.00} interest on XXXX/XXXX/2015. I have not been able to speak to this person since that time. I need that interest and all associated interest charges on the {$8.00} credited to me as well.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (TX)

I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, Section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries. 

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