davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Loan # : XXXX Date of Inquiry : XX/XX/XXXX My husband and I contacted Bank of America Home Loans to inquire about obtaining a mortgage on a newly purchased, single-family residence for the purpose of paying off credit card debt and making improvements to our new home. We purchased the home at XX/XX/XXXX with cash. After moving in and doing some improvements, we wanted to consolidate some debt and make additional modifications which is why we sought a " cash out '' loan through BOA. We made our initial contact with Bank of America on XX/XX/XXXX via their XXXX number and spoke with a lending officer named XXXX XXXX ( XXXX # XXXX ). We answered the typical questions regarding income and expenses. Knowing we already had an established relationship with BOA with a car loan and a prior mortgage, we were confident there would n't be any issues with approval. During that first conversation with XXXX, it was specifically discussed that we only owned the home for a short time ; less than a year. After answering all of his questions, we were required to commit to a locked in rate and allow a credit report to be pulled in order to continue the application process. After XXXX pulled our credit report during that initial conversation, he notified us that we would not qualify for a loan because we did n't own the home for at least six months. The urgent consumer concern about our complaint is that XXXX/BOA should n't have pulled our credit report once he was notified the short time we owned the home. We asked him why he did n't stop the application process once he had this information instead of dinging our credit and causing our score to drop. He blamed it on the computer system and software. After I spoke with his manager, XXXX XXXX, Sales Manager Vice President, she stated that the error was due to lack of training or knowledge and that she would discuss the situation with XXXX. Since that initial phone call in XX/XX/XXXX, my husband and I have not been able to seek a loan elsewhere due to our dropped credit score. We were trapped into continuing with the application process with BOA once we owned the home six months. Financial damages we incurred due to this illegal and unethical application process is calculated to be somewhere around {$30000.00} due to us accruing monthly interest on debt we planned to consolidate ; debt we would not have incurred if we were free to seek a loan elsewhere. Bank of America needs to be cited for this practice. We plan to seek damages for the financial hardship they 've created for us. If XXXX would have stopped the application process when he should have, our credit would not have suffered and we would have waited until we owned the home for at least six months before applying for a mortgage with either BOA or another company. Instead, XXXX put us in a position of entrapment where we had no choice but to continue with BOA.
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cornerstone Holdings, Inc. (AK)

Just so happened to see this on my credit report. I sent a dispute letter and the company came back as it did n't have enough information to investigate. XXXX, They recieved my name, birthdate, so called origional creditor ... If these people can add this collection to the credit bureau, then they can find me in their system. If they " ca n't find me '' as they say, or fully validate any account, they have NO right to try to collect. It 's my right to request valadation or they must delete collection from report. Valadation includes any signed documentation that I have with them showing any connection between us.
Consumer complaint received 2017-05-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (AZ)

I deposited a check into my checking account for {$2800.00} I waited a couple of days to make sure the check funded I we nt to the Chase Br anch at  XXXX   XXXX   XXXX   XXXX  and I asked the teller if the funds cleared for that check.Her response was yes it funded so I withdrew  XXXX  and then I noticed a couple of days later that my checking account was over drawn by the amount of {$2800.00} and I was told the check was returned for insuffeciant funds.So they use what I had in my acoount to cover that. I went to Chase again to discuss the problem and I was informed there is nothing they can do but I asked if the funds cleared and was informed it does n't matter if there was enough money in my account to cover it that is how it works so I have been charged over draft fees on top of that.
Consumer complaint received 2017-10-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: TMX Finance LLC (GA)

I took out a loan against my car title in the amount of {$800.00} with my local Titlemax because I am on XXXX XXXX XXXX and had some outstanding medical bills that needed to be paid. Well, I struggled and paid the minimum payment due each month ; once having to take out an additional loan amount in order to make the payment. About 8 months into the loan the car broke down and I had it towed a local mechanic. After a thorough inspection it was discovered the engine was blown. I incurred and paid a {$400.00} repair bill just to find out the repair was gon na cost about {$2000.00} dollars. Knowing I did n't have nor want to put that kind of money in that car, I immediately called Titlemax to inform them that they could just go pick up the car because I would no longer being paying on the title loan. At that point I had probably paid back close to the originall amount borrowed. Weeks later I get a call from the mechanic that no one ever came out to pick up the car and that I now owes him a grand in storage fees. He said I could sign the title over to him in lieu of the fees. Once again I contacted Titlemax and was given the number for their corporate office and was told to contact their office. After explaining the situation to the person at corporate I was told they did n't want the car but they could give me a reduced payoff amount and that once it was paid they would release the title and I could forward it to the shop. Since I had already paid the majority of the principal back I assumed they would drop the remaining interest and just charge me the remainder of the principal. I just about had XXXX XXXX when she said they would take a one-time payment in amount of XXXX dollars!!! I told her I was n't gon na pay that much and they could go pick the car up from the shop like I asked them to do in the first place. I had n't heard anything in month then I receive a letter in the mail asking for a payment. What legal actions if any should I take at this point to get them to write off the remainder of the loan?
Consumer complaint received 2017-10-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (ID)

I received a debt collection notice from National Recovery Agency It states that I owe XXXX XXXX Idaho XXXX. I contacted them about this and ask, Who in XXXX XXXX? they told me by law they could n't tell me. I went to the XXXX XXXX Court House Clerks office and they knew nothing about this. I went to the Attorney Generals office ( scam division ) they knew nothing. They did tell me that by law they have to tell me who they are collection for. I called the National Recovery Agency back and advised them on what I had done, and that by law they were obligated to tell me, they refused. I explained to them that XXXX XXXX has over a million people and hundreds of businesses, that I 'm not going to make out a check to you for XXXX without knowing who or why. They still refused. I sent them a certified letter stating this ( for about the 10th time. I also let them know that if this shows up on my credit report I will turn this over to my Attorney and file a complaint with the Attorney Generals office which I did as the put on my credit ( XXXX ) I contacted XXXX and explained the situation and they took it off my credit report immediately. I do n't mind paying if I owe, but to how?
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. XXXX WITH A SECOND HACK ON XX/XX/2017. I 'M IRRITITATED. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security number, date of birth, financial accounts or credit/debit card numbers, driver license number, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer.  Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like thank thr Consumer Finacial Protection Bureau for protecting her/his Personal, Family, and Household.
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. XXXX WITH A SECOND HACK ON XX/XX/2017. I 'M IRRITITATED. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security number, date of birth, financial accounts or credit/debit card numbers, driver license number, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and allwill be forgiven. Consumer would also like thank thr Consumer Finacial Protection Bureau for protecting her/his Personal, Family, and Household.
Consumer complaint received 2017-10-13
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (IL)

I took this loan out to go to school. The school ended up closing.. credits not acceptable anywhere. They lied and told me they would find me a job nothing. Now Im trying to go back to school to get my XXXX and I cant because of this debt. Its for XXXX charged off on my credit report and I still cant use the certificate they lied to me about getting at XXXX. I need to go back to school.. I need this off my credit report. They keep sending it to different collection agencies..Please help. From 2008..
Consumer complaint received 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (VA)

We just received the XXXX XXXX dollars that Citimortgage was ordered to pay home owners that were requesting help with their mortgage. We applied for HARP in XX/XX/XXXX, however we had requested help from Citimortgage two times prior, between approximately summer of XX/XX/XXXX and summer of XX/XX/XXXX, before receiving HARP in XX/XX/XXXX. Both request were denied without any financial review. Our mortgage was XXXX monthly before we were awarded the HARP, XXXX after the HARP was awarded. Are we legally entitled to compensation for the prior denials? Thank you for your time.
Consumer complaint received 2017-10-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX ie XXXX XXXX was closed by the us govt die to illegal things now on one acct the credit builder act they called it to help increase my score has reported to XXXX and reduced my score by 120 points immediately after not at all fair warning closing of my acct after missing two payments of 22 mo to pay into the Acct and the loan WAS a CD ACCT AT {$1000.00}
Consumer complaint received 2017-10-13
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: EQUIFAX, INC. (GA)

What I find disturbing is that equifax put my personal information security at risk back in XXXX XXXX when I first began challenging fraudulent accounts on my credit report ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and I wasnt notified until last month when it made the news. Since XXXX I have been challenging equifax however they continue to ignore my requests of validation however what they continue to say is we call to match up name, address, and SSN. Thats it. Merely calling to match up numbers doesnt prove that an account it valid. It is clear that equifax continues to allow their vendors to place false trade lines on poor consumers, like me, credit reports thus destroying my credit worthiness thus making it harder for me to get credit. Ive gone back and forth with equifax trying to resolve this issue however they refuse to follow the guidelines set forth via the FCRA. It now seems as if they KNOWINGLY ignore consumers rights. Equifax breech has compromised my name, address, and SSN YET this is the SAME EXACT information someone needs to place their tradeline on my credit. The same information that was leaked is the SAME information someone needs to place something on my credit which is also THE SAME information you call and verify instead actually providing documented validated proof. I dont understand how you leak my information yet continue to compromise it by allowing fraudulent unverified accounts to remain on my credit. At this point I am ready and willing to seek legal representation in order to protect myself from equifax and their practices if after 15 days these two accounts remain on my credit.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I was able ( on line ) to get a freeze on XXXX and XXXX. ( in minutes for free ) When I filled in the information on Experian they said they could not take my information on line and that I had to mail the documents. They are making this difficult- I do not want to mail any requested information- they also charge a fee of {$5.00} where XXXX and XXXX do not,
Consumer complaint received 2017-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (NC)

I opened a new account with XXXX approx 3 weeks ago. On XX/XX/XXXX, I deposited a check for {$1000.00} into the new account, which was the majority of the funds in my old account. The following day, I decided to go ahead and write a check for the remaining balance in my old account and deposited it to my new ST account, for approx {$160.00}. The following week, the {$1000.00} cleared my old account but was placed on hold with ST. Days passed and it was still on hold. At that point, I had several automatic bill payments come out of my old bank account. I did not switch these auto pays to my new account because the funds still were not available and I did n't want my new account to become overdrawn. I also could n't cancel the autopays because payments were due and pending. So, when ST went to collect my 2nd deposit of approx {$160.00}, the check was returned NSF. As a result , ST froze my account and put it under investigation, restricting me access to any of my funds. I now have no money in my old account and ca n't access any money in my new account. This has been the case since about XX/XX/XXXX or XX/XX/XXXX. No one at SunTrust will tell me what is going on or when I can access my funds. They wo n't even tell me anything I can do to help. I have n't had any funds since XX/XX/XXXX when my check cleared the old account and was placed on hold with SunTrust. Any direct deposits into ST are instantly unavailable to me. I do n't even know my account balance. Meanwhile, my old account continues to be overdrawn and accumulate overdraft fees because I ca n't withdraw my money from SunTrust in order to bring the account to positive. I ca n't pay rent, but food, gas or dog food. They wo n't tell me what is going on or when I 'll have any of my money. I do n't know what to do. I did n't even get notification of an extended hold on my XX/XX/XXXX deposit until I received the notice in the mail on XX/XX/XXXX, 6 days after the deposit. The letter even states that I was not notified of the hold at the time of deposit. They are holding my money XXXX and now I 'm suffering because of it. By the end, I 'll probably have all my funds depleted due to the massive amount of overdraft fees being charged to my old account because I have no way to rectify it. Please help me.
Consumer complaint received 2024-09-07
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. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Your NAME : XXXX XXXX Your XXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right
Consumer complaint received 2017-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NY)

XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX all are store cards that I applied for and then Got approved for credit limits online. I 've used XXXX inside the store aswell as XXXX XXXX XXXX XXXX. One day ( I ca n't remember ) as I was online shopping for stuff with my wife. I could n't check out using The XXXX card. So I called and the number directed me to commenity Bank. The commenity Bank represnative told me that they needed some additional verification from me in order to unblocked the account. They need a copy of my drivers license front and back, social security card front and back and bank statement front and back. I 've sent them copy of all the required documents that they asked for. So after 1 week has passed by, I decided to give commenity Bank a call to check on those documents. They said they have them and they are being reviewed. About 2 hours later, I received a Alert from XXXX ( Which was the same day on XX/XX/XXXX ) saying that Commenity bank pulled my credit report. So I them called commenity Bank and asked them what 's that all About. They said that My accounts were closing. So I said for what?? The represenative said for fraud?? I said for fraud, That 's impossible. I just got these cards and all I 'm trying to do is build my credit up. She said hold on I 'm gon na transfer u to a supervisor. I speak to a supervisor and she said that My accounts are closing because my documents did n't pass the verification..I said how is that possible?? When I sent everything that u asked for that was valid. ( XXXX STATEMENT, DRIVERS LICENSE AND SOCIAL SECURITY CARD ALL OF WHICH WERE FROM AND BACK ). She was very rude and disrespectful during the conversation. So today, which is XX/XX/XXXX, I  received a letter from commenity Bank for a entire different reason for closing my accounts. The letter said that they closed the accounts for security concerns..How is that possible and why would they even close my accounts to begin with. I have a fraud alert on all my credit files which states that any creditor is directed to contact me if anyone is trying to get cards or loans in my name and I seen when they pulled my credit report..They did wrong and foul for no apparent reason at all and I know it 's discrimination. They had no reason to close any of my accounts..They have hurt my credit score so bad with this move that they did.