davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (CA)

MY MORTGAGE LENDER IS CLAIMING FEES THAT ARE WRONG AND THEY CAN NOT PROVE ANY REASON FOR THESE FEES OF {$2000.00}!!!!! 
I had major financial hardship about 2 years ago which led to income reduction and lots of financial problems. I fell behind on mortgage payments XX/XX/XXXX. After a few months I applied for mortgage assistance and my loan modification was approved by the lender RESIDENTIAL CREDIT SOLUTIONS ( RCS ) XX/XX/XXXX. This new modification plan brought my mortgage current and all the past dues were added to my principle balance. Loan documents that I signed XX/XX/XXXX clearly stated that As of the date of the modification approval my loan became current, and the new plan started with the monthly payment of {$3200.00} which included property tax too. 
LATER ON, THE LENDER SOLD MY LOAN TO ANOTHER COMPANY ( XXXX ). AFTER FEW MONTHS THE NEW LENDER STARTED CHARGING NEW FEES AND CLAIMED THEY HAD PERFORMED CERTAIN SERVICES FOR THESE FEES, BUT THEY DID NOT KNOW WHAT THESE SERVICES WERE!!!! 

AFTER MY REPEATED CALLS AND OBJECTIONS THEY STARTED GIVING ME CONTRADICTORY INFORMATION ABOUT THESE CHARGES. ONCE THEY SAID THESE FEES WERE BECAUSE THEY INSPECTED MY HOME SINCE MY HOME WAS ABANDONED!!! WHICH WAS A TOTALLY FALSE CLAIM!!!! 
THEY NEVER DID SUCH AN INSPECTION, NOR THERE WAS ANY REASON FOR ANY SUCH INSPECTION. I ASKED FOR A RECEIPT OR A PROOF OF THIS ALLEGED INSPECTION BUT THEY HAD NOTHING!!! 
THEN THEY GAVE A NEW EXPLANATION CLAIMING FEES OF MORE THAN {$2000.00} WERE FOR CERTAIN CITY & COUNTY FEES BUT THEY DID N'T KNOW THE NATURE OF THE SERVICE. I CONTACTED CITY TAX COLLECTORS & HOUSING AUTHORITIES AND THEY SAID NO FEES WERE DUE, NOR ANYTHING EVER RECEIVED FROM THE NEW LENDER!!!! 

I CALLED XXXX AGAIN AND THIS TIME THEY CHANGED THE STORY AGAIN!!!!! CLAIMING THAT THE FEES WERE FOR EXPENSES THAT PREVIOUS LENDER ( RCS ) HAD FAILED TO PAY DURING MODIFICATION REVIEW!!!! 

I REVIEWED THE LOAN MODIFICATION DOCUMENTS AND IT CLEARLY INDICATES NO EXTRA FEES OTHER THAN MY NEW MONTHLY PAYMENT WAS DUE. ALL OTHER FEES HAD BEEN COUNTED FOR!!!!! 

IF THERE WERE OTHER FEES OF {$2000.00} THE RCS SHOULD HAVE DISCLOSED THEM WHICH THEY FAILED TO DO. NOW RCS MUST CLEAR THIS MATTER WITH THE NEW SERVICER AS I CAN NOT BE HELD RESPONSIBLE FOR ANY THING MORE THAN WHAT WAS CLEARLY SATED IN THE EXECUTED LOAN DOCUMENTS. 

THIS SITUATION IS EXTREMELY UNFAIR, IMMORAL AND EVEN ILLEGAL!!!! 

RCS AND ALSO XXXX MUST CLEAR THIS DISCREPANCY AMONG THEMSELVES INSTEAD OF JUST PRESENTING NEW STORIES AND EXCUSES FOR FALSE BILLING SCHEMES!!!!
Consumer complaint received 2024-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX reported a charged off an account in the amount of {$4200.00} effective XX/XX/year>XXXX  and as a consumer I should have received a 1099. According to 15 USC 1611, it is unlawful to mislead or deny an individual 's access to credit based on false Information. I believe my treatment of my application used to create a security bond and denial of one own credit may constitute a violation under this provision, potentially resulting in a denial and charge off on erroneous grounds. Also, according to 15 USC 1681 ( b ) Permissible purposes of a consumer report, did not have my written consent to report my Information.
Consumer complaint received 2024-11-11
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. (MO)

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e .

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing.

I believe these remarks do not reflect my current commitment and responsibility toward my financial obligations.

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report.

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within a reasonable timeframe, such as 3 days from the date of this letter.

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

XXXX XXXX XXXX Update status on dates followed to current status/paid as agreed. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Consumer complaint received 2017-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (VA)

I made a {$50000.00} payment on a timely basis, this payment included normal payment of approximately {$3400.00} and the rest was prepayment of principal. This payment showed clearing my bank account before due date of payment. I later received a notice that my payment was late and a late charge of {$110.00}. In looking at my account activity it appears that they applied the entire payment to principal. I called bank to discuss and they could not respond but continue to show late payment. I assume they also reported to credit bureaus a late payment.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I have disputed the following several accounts with Experian as the accounts are too old to be on my file and I am with my rights according to FCRA to ask for the deletion of the several outdated accounts. Experian indicated that they verified the accounts however verification of the accounts has nothing to do with outdated information and requesting for Experian to removed the outdated information from my credit report. 
XXXX XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. 
STUDENT LOAN XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. 
Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed.
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Again, this is unacceptable. You 're telling me that I am liable for charges that someone in your company thought it was ok to illegally sign me up for, and I am liable because I did n't cancel within 30 days? I would have gladly done so if I would have know I was being charged every month. But again, I had no idea because I did NOT sign up for this credit protection. I do not dispute interest charges, I know I had a balance, there is no reason to dispute those. However, I am disputing these illegal credit protection charges. Also what is this Sales practice litigation settlement? I did not receive anything regarding this. Where is my signature, where is my phone call or memos showing that I authorized this? Again, someone at your bank, had an incentive to do this without proper authorization! I want these unauthorized fees back. Maybe I need to go somewhere else for assistance and make it known that Bank of America illegally sets up fees on people 's accounts and just because it was past 30 days, the customer is liable for it.
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (UT)

I am trying to get rid off the PMI on my home loan. My property value has been increased and I am thinking of reevaluating the property price and drop the PMI. But my lender now says I should have paid XXXX for at least 2 years before I can take this route. Is this true? I am going through some website and none of them says this 2 year rule.
Consumer complaint received 2016-12-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Merrill Lynch sold my loan to Bank of America. Bank of America calculates the interest on the loan differently than Merrill Lynch did. The Bank of America calculation is always either the same or higher. I contacted Bank of America and was told that they are aware of the difference but will not be calculating the interest the way Merrill Lynch did. Bank of America told me that I am not the only XXXX with this issue.
Consumer complaint received 2017-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (MD)

My school loan was a ten year loan and I made payments to the first company,  XXXX , who owned the loan begi nning in   XX/XX/XXXX . Then the loan went over to   XXXX   and I continued to make payments without any problems. In  XXXX  the loan went over to ACS and I continued to make payments. After the ninth year of my loan ended I contacted ACS to find out my payoff amount as I wanted to pay off the loan then and not wait another year. At that time I was informed that my loan was a fifteen year loan instead of a ten year loan and that it was about to go to default. I was told that I would have to pay to bring the account up to date and file paperwork to keep it from going to default. I made the payment ( ACS has no record of this payment ) and sent in the paperwork and it still went into default. I have been trying to get a copy of my master promissory note from ACS. Six months after my request they finally sent me paperwork that I was unable to read ( the words and letters were from no known language certainly not in English ). For some reason ACS does not have the MPN or the supposed updated loan information that changed my ten year loan to a fifteen year loan. They also do not have any record of my payments that were made to   XXXX   and  XXXX  even though ACS is the company who services the loans for  XXXX . I just contacted them again and I still have not reached a satisfactory conclusion as to my situation : a copy of my original loan of ten years, when and how the loan could have been changed to a fifteen year term without my permission or knowledge, why they do not have a record of my payments made before they became the company that serviced my loan ( ACS services   XXXX    school loans so that is not a valid excuse ), how they lost my last payment to them, and finally how they could have sent my loan to default when I made the payment to bring it up to date and sent in paperwork to keep it from defaulting.
Consumer complaint received 2016-05-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (IN)

I applied a checking account with BMO Harris on XXXX with a promotion code. The promotion said that I can get {$200.00} bonus if my account receives direct deposit over {$300.00}. I opened the account at a branch and also showed the promotion letter ( code included ) to the banker. Every month there are XXXX direct deposits going to that checking account from my employer. But until today XXXX/XXXX/2016, I have n't received the bonus. I called BMO customer. The representative asked for the promotion code when I opened the account. Well I do n't have it since I threw it a few months ago. I do n't know what to do now..
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CO)

We purchased a home using PRMG ( XXXX XXXX ) as our lender on XXXX/XXXX/2016. After going through the pre-approval process, XXXX would not return our phone calls and emails until the day after the presidential election. We made several attempts to contact her to make sure our interest rate was locked and our loan documentation was squared away for close. We did not hear back until the morning after the election, and we were informed we did not qualify for the initial loan program we were pre-approved for due to our income levels ( which the lender was aware of before we were even pre-approved ). After finding all of this out, we were beyond our loan objection deadline and had no way to get out of purchasing our home. XXXX informed us that all we could do was lock in at the current rate and that we would be limited to a maximum credit towards closing costs of $ XXXX, which was minuscule in terms of total closing costs and the extreme lack of negligence and fiduciary duty we observed from PRMG. We made attempts to speak with PRMG management, and the individual who spoke with us, XXXX XXXX, told us the loan they could offer us with the correlating $ XXXX credit towards closing costs was limited due to RESPA regulations. My husband and I consulted with another lender on this day to understand what we were being told by PRMG and found out this was completely false. The other lender showed us the pricing grids for the day we had locked in our interest rate, which indicated we should have received a credit towards closing costs of $ XXXX versus the $ XXXX XXXX and XXXX told us was the maximum they could pass along to us. As we were past our loan objection deadline and a week out from closing, we had no choice but proceed with the loan because no other lending company could close us in time for when we had to move, and we had already subleased our current apartment. PRMG took advantage of us by avoiding processing our paperwork until after the election to profit from higher interest rates and further penalized us by not passing on the credit we were allowed based on industry pricing for the interest rate we received. The PRMG associates we worked with directly lied to us and negligently penalized us knowing we were stuck with our living situation.
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Billing statement — 
Company: Continental Finance Company, LLC (NV)

In XXXX I applied for and received a Verve credit card. On or about XXXX XXXX, 2016 I called and cancelled the card. I never activated the card and made no payments and I was told I would therefore owe nothing on the card. Nevertheless, on or about XXXX XXXX, 2016, I received a letter from Continental Finance indicating that I had a balance of {$120.00}, with a minimum payment of {$35.00} due on XXXX XXXX, 2016. 
When I called the customer service number from the back of the card, XXXX, I was told by the automated teller that the balance on the card was {$0.00} and no payment was due. I have been unable to reach a Continental Finance representative to discuss the discrepancy between the content of said letter and the information provided by the automated teller.
Consumer complaint received 2016-12-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Williams & Fudge, Inc (IL)

I have no knowledge of this debt or the creditor. This is reporting as a recent open account to the credit bureaus and I ha XXXX no knowledge of this account, the debt or the creditor and it is negatively affecting my credit profile.
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CA)

I was not given my FULL Award Miles as promised for opening and using a Citi XXXX XXXX XXXX XXXX credit card. I felt betrayed so I called to close my Account. The customer service team did not want to close the account ; in fact they sent me to the credit card retention department where I encountered a horrible agent who never addressed my REQUEST to close the account. After demanding him to close it with a very strong tone, the agent still did not close it. I then hang up the phone angrily. Shortly afterwards I called back and was informed that my credit card, XXXX XXXX Citibank was CLOSED, without me on the phone to confirm it. The Customer service representative did not communicate with me or read me a closing statement or any type of confirmation. In other words, my XXXX XXXX XXXX Credit card account was close incorrectly and unprofessional. I was absolutely very upset and reached out to several supervisors at Citibank XXXX XXXX XXXX After hearing my complaint, they all apologized on behalf of the agent. I also reached out to my Branch regarding the improper closure but still did not get any proper help, nor did i ever receive my XXXX. XXXX XXXX XXXX.
Consumer complaint received 2016-12-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (PA)

I deposited a check to my Wells Fargo checking account for {$8900.00} on XXXX XXXX, 2016. The check was written by my sister on her XXXX checking account. The check was processed and the funds were withdrawn from the XXXX account on XXXX XXXX 2016. I have a copy of the processed check. Wells Fargo sent me a message to my online account the the funds were being held until XXXX XXXX, 2016 due to a bad signature. I was told by a customer service rep over the phone and also by my branch manager ( in person ) that the funds were being held because there were not enough funds in the XXXX account account. XXXX different phone service reps told me that the branch has the discretion to release the funds and the branch manager told me that there was nothing that she could do since the system put a hold on the check. I would like to know if I have any options to get my funds released and if this is a legal practice.
Consumer complaint received 2016-12-19
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (LA)

In XXXX XXXX, account with XXXX XXXX was placed in collections and transferred to National Credit Adjusters ( NCA ), per credit report, and open date reported XXXX XXXX, inaccurate. 

From XXXX XXXX, NCA contacted me and family received phone calls and my personal information was disclosed to family members. I received at least ten phone calls per day. I was threatened with communication tactics including numerous phone calls. I received phone calls and voice messages stating that a sheriff would serve me papers at home or work if debt was not paid, and I had one or two days to contact them before I was served. After the phone calls and threats, I contacted NCA. 

On XXXX XXXX, XXXX, I called NCA to get info about account. Was told account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX, and that they did not have my file anymore. 

XXXX XXXX, XXXX, I contacted XXXX and they stated that I owed a balance of {$640.00} balance, and if I paid {$320.00}, would receive a paid in full letter via mail, I paid the {$320.00} to XXXX. 

On XXXX XXXX, XXXX, sent an email to XXXX requesting a paid in full letter ( pifl ) and they provided me with a {$0.00}, in which they emailed me a letter ( see pifl letter ). 

XXXX XXXX, XXXX, I contacted NCA and representative stated I could send them the pif letter XXXX sent to me, and they provided me with an e-mail address. I emailed the pifl to NCA and received a response stating they could not accept letter, but need the correspondence directly from XXXX. 

After many calls to NCA, and them stating that they do n't have my file anymore but to contact XXXX, but NCA are reporting account. It is frustrating. For example, XXXX call to NCA, I spoke with a representative she stated I should 've paid debt in XXXX and the balance will not be changed overnight and I should 've paid debt a long time ago and they will continue to report {$640.00} on the XXXX and the XXXX of each month until they receive correspondence from XXXX. 

On XXXX XXXX, XXXX, I requested that XXXX send pif letter to NCA to update my {$0.00} balance. 

On XXXX XXXX, XXXX ; I was notified from credit bureaus that my balance with said account was {$320.00}. 

On XXXX XXXX, XXXX, I e-mailed NCA again to update accurate information with {$0.00}. 

NCA are still reporting that owe {$320.00}, last reported XXXX XXXX XXXX, XXXX ) and payment status is reported as a collection/charge-off, account status derogatory, no payments reported. They are still reporting the XXXX and XXXX of each month with inaccurate information. 

I have not had a pay day loan with XXXX XXXX since XXXX, never received verification of debt, but was scared of the threatening calls and being served papers by the sheriff office.
Consumer complaint received 2024-09-13
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. (NC)

I am writing to formally dispute the outcome of your investigation regarding the fraudulent account ( s ) or transaction ( s ) reported under my name. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to dispute inaccurate or fraudulent information on my credit report and to have it thoroughly investigated.

Despite my previous submission of a consumer fraud affidavit and supporting documentation, the investigation has not resolved the issue of identity theft related to my account ( s ). As a victim of identity theft, I have been subjected to unfair financial harm, and the reported information remains inaccurate. 
I am requesting a reinvestigation of the matter, as I believe that the response provided did not fully address or resolve the fraudulent activity. Additionally, I expect that this disputed item be marked as in dispute on my credit report, per FCRA regulations, while the investigation is reopened. 
Please be advised that under the FCRA, you are required to complete this reinvestigation within 30 days and provide me with a written notice of your findings. If the fraudulent activity is not removed or corrected within that time frame, I will consider further legal action, as permitted by the Fair Credit Billing Act ( FCBA ) and other applicable consumer protection laws. 
Thank you for your prompt attention to this matter. I look forward to a timely resolution and the removal of this fraudulent information from my credit report.