davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (CA)

I 'm trying to refinance my existing mortgage four years after a Chapter XXXX bankruptcy discharge XX/XX/XXXX. We began working through a mortgage agency, XXXX. In this process, although not shown on our personal credit reports from any of the big XXXX credit agencies, a third party agency, XXXX XXXX, showed XXXX late payments to Citi Mortgage XXXX before our actual bankruptcy and XXXX after. We made all of our payments to them on time. We called Citi Mortgage customer service reps. They would n't talk with us because they though we were in a current bankruptcy process. They finally put us through to their bankruptcy department. They thought we had completed our bankruptcy XX/XX/XXXX and forward us to their mortgage group. They requested we fax them the details of our credit report and our payments. We sent them our third party credit report, our bank statements showing our payments and the corrected record of payments t later provided by Citi Mortgage, They then replied that they needed the actual source credit reports, not the one from a third party. We ca n't supply that because our yearly credit reports do n't show this issue. How do I resolve this issue?
Consumer complaint received 2017-02-04
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENCORE CAPITAL GROUP INC. (MI)

I was sued by Midland Funding llc back in XXXX. They sued me aftervthey supposedly purchsed XXXX charged off credit card debts. After inpaid sn attorney to negotiate thiese for me they have still continued to harrass me for payment. I have also paying a law firm called XXXX law fow over 2 years to help get my credit back so i can keep my business going an be able to survive. After thousands of dollars to XXXX law they were able to get my credit scorse back to whete i can finally get the help i need. Just recently on XXXX XXXX they got midland funding to remove then negative items from my credit reports. I am still making my monthly payments to them thru a law firm called XXXX After they removed these itmes my credit score was marked good snd i was about to go try to get a business loan to advance my business. Now after all this just today XXXX XXXX only about 2 weeks after it gets fixed they now put these itmes back on my report. Now my scores have gone down again over XXXX points. They knew i was working with a credit repair law firm simce they kept sending me letters saying they did not have enough information to process my requst to verify these items because they felt it was requested by a credit repair agency. I do feel they have once again violated the credit protection laws and have deliberately attacted my credit again. I feel they should now be required to immediately and permanently remove these items as well as pay me for this attack. It is hard enough to get by the last few years without being attacked by a junk debt buyomg compant that is only out to scsm hard working people out of money.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I use XXXX to monitor my credit score. Recently I paid off many credit accounts. As I was monitoring my score I noticed that Transunion & XXXX were XXXX points apart when normally they 're only a fews points apart. Upon comparative investigation I notice Transunion dropped XXXX points and XXXX rose XXXX points. It appears the credit utilization algorithm Transunion is using, is different than XXXX. Transunion credit utilization algorithm portion appears to be wrong, because it took a single credit card account that I had 87 % of it 's credit used and counted it as if it were my total credit available, which appears to be the reason why Transunion lowered my credit score XXXX points. I find no other negative change that could have caused this. It not only dropped XXXX points, it also penalized me the XXXX points XXXX rose, which combined has cost me an accumulated XXXX points. I can find no other reason when I compared the two credit reports that could have caused these two changes on the same date. 

Being a XXXX I have see these types of issues happen. I 'm curious, who checks the algorithms of these credit reporting software applications, similar to regular gas pump calibration tests? The consistence and accuracy of these applications that Banks are using to justify the rates they lend to consumers are directly impacted the fees. It would n't surprise me if there 's no one responsible for checking these applications that are helping banks to quietly charge consumers, illegally, higher than earned interest rates. In my case it 's XXXX points, which is the difference between Good vs Excellent credit rating. Depending on how much I borrow, this may have cost me higher than legal financing fees, ranging from $ XXXX to XXXX. 

It just so happens that my credit situation is nearly clean that allowed me to notice this discrepancy. 

Please check into this specific issue with Transuion, also inform me of how the government monitors the applications that generate credit reports on a regular bases to ensure there 's no tempering.
Consumer complaint received 2016-04-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

On Monday, XXXX XXXX, I had a positive bank balance ( PNC bank, State College PA branch ). I also had a deposit that day of {$140.00}. I could see the deposit in my account on Monday. The very next day, I was charged falsely XXXX " overdraft '' fees totaling {$72.00} even though I had money in the account! They " posted '' my deposit immediately after the XXXX fake overdraft fees. This timing was clearly intentional and predatory. The local branch and customer service refused to refund the overdraft fees even though it 's obvious that the charges were predatory and opportunistic. There was enough money in the account to cover the checks!!
Consumer complaint received 2016-04-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

Portfolio Recovery Associates was trying to collect XXXX separate debts from me and although I paid monthly payments, believing PRA was entitled to collect on these accounts, the pricipal amount increase indicating PRA was charging interest. I disputed these accounts on 4 occasions ( beginning XXXX/XXXX/2015 ) and requested verification, but PRA refused to provide original account agreements or an accounting of what was paid and due. I then learned the there was a consent decree, binding PRA from collecting certain debts. I then received a refund and a letter indicating that at least XXXX ( and probably both ) wasa covered by the consent order. I also discovered that PRA is still reporting these debts on my credit reports. I want to know 1 ) are my XXXX debts covered by the consent decree ; 2 ) is PRA prohibited from collecting these debts ; and 3 ) if PRA can not collect, why ca n't these XXXX items be deleted from my creidt reports because PRA can no longer collect them?
Consumer complaint received 2016-10-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mountain Land Collections, Inc. (UT)

I have been contacted by Mountain Land Collections and the offices of XXXX XXXX XXXX multiple times in the past regarding a medical debt that is not mine. The first time they sent me information regarding the debt I properly addressed a dispute letter to them asking them to validate the debt. I never heard from them. They did not send me validation of the debt but they did add the debt to my credit report. I have recently drafted letters to each of the credit bureaus, an example of XXXX which is attached, making them aware the debt is not valid and to remove it from my report. Most recently, this company, along with filed a judgment against me for the debt and served me at my home.I did as instructed and responded to the suit with a defendant answer denying the suit because they did not validate the debt. After this, XXXX XXXX XXXX 's office contacted me to set up a payment plan. I informed them that I was not refusing to pay the debt, simply requesting validation of the debt. They have still not provided me with this and they have unlawfully charged my credit card for {$100.00} for the first payment in their plan that I did not consent to. I am disputing the credit card charge with my credit union and a copy of that is also attached.
Consumer complaint received 2017-02-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (CA)

Southwest Credit Systems is falsely reporting a debt with the credit bureaus. I have no knowledge of this account accept for the reporting on my credit report.When I dispute the accuracy of this information with one bureau it gets deleted and added to another bureau. I did not have a financial contract with this company. Also it looks like this debt falls outside of Statue of limitations for a collection agency to be attempting to collect in the state of CA.
Consumer complaint received 2016-04-28
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Was denied a home equity line of credit after a 2 1/2 month application period in which I was continuously asked to provide additional income, tax return information and supporting documentation. Due to the extreme length of time to make a decision, Bank of America has pulled XXXX credit reports which has reduced my credit score and prevented me from being able to apply through another lender. I was told that my debt to income ratio was too high and credit score too low to be approved. This decision was reached after a 2 and a half month process? Had this decision been conveyed in a reasonable time frame I would have been able to apply through a different financial institution without additional credit being pulled and reducing my credit score. Every time the bank has asked for additional documentation, it was provided by my wife and I in a timely fashion. I would ask that the board investigate both the reasons for loan denial since it was not clearly explained and why the process took 2 and a half months to make a decision after telling me that my income, debt to income ratio and credit were not an issue.
Consumer complaint received 2017-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (TX)

We moved out of our apartment in XXXX. We left the apartment immaculate, even cleaning behind the oven and vacuuming our way out of the apartment. 

Several weeks later the apartment management presented us with a bill for "repairs" that was full of mistakes and most of the items included were false and/or in violation of the Texas Property Code. In other words, almost all the charges were for things we either didn't owe or were for things that they could not charge for by law.

We attempted to resolve with the apartment management, but they refused to remove the wrong / illegal items. Instead they sent it to collections.

This is causing us serious financial and emotional distress. We are in the process of closing on a house and the closing is held up because of the disputed collection on our credit report. Additionally, this is causing us to incur higher interest rates and fees and will cost us thousands of dollars.

The collections agency filed a collection on our credit reports. We have attempted to resolve via the proper channels:

XX/XX/XXXX: we sent letters to the XXXX credit bureaus per the FCRA to dispute the information and request them to validate the data. All XXXX responded that they investigated and that the creditor says it was valid. When called to discuss, the credit bureaus said "you need to have the collection agency remove. We just ask them if it is valid."

XX/XX/XXXX: we sent a letter to the collection agency per the FCRA and FDCPA asking them to validate the data. They replied that the creditor said it was valid and sent us copies of the lease and the form showing the illegal/wrong charges. They provided no proof.

XX/XX/XXXX: we sent a letter to the collection agency per the FCRA and FDCPA stating that what they provided was not proof. It also clearly stated what was incorrect or illegally reported, and requested they remove the improper charges and remove the collection from my credit reports. They replied on XX/XX/XXXX that the creditor contends the charges were valid and resent the same information from their previous letter. No proof was supplied.

XX/XX/XXXX: we sent a letter to the XXXX credit bureaus per the FCRA to inform them that we asked the collection agency to validate the debt and remove if incorrect, and that the collection agency could not do this. We requested they remove the collection or we would file a complaint with the FTC and/or pursue legal action.
Consumer complaint received 2016-04-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Real Time Group, Inc. (CA)

In the process of trying to refinance my home in XXXX XXXX, my credit was pulled on XXXX/XXXX/XXXX, and this Real Time Resolutions collection was showing up on my credit, which essentially ruined my opportunity to refinance my loan. 

I sent them a certified letter asking them to provide me with documentation that this debt was mine or that I had any business with them, including any contracts, my original signatures on their documentation, etc. They did not respond, so I filed a complaint with the bureaus. After the credit bureaus got involved, instead of providing the documentation I had requested confirming that the debt was mine or that I had any type of business contract with them, the company just removed the debt from my reports, which showed clear when it was pulled again on XXXX/XXXX/XXXX. 

As I was getting ready to apply again this month for the loan which has a balloon payment due in XXXX XXXX, I checked my credit again, and the same company is reporting the debt again, but now they 're using a slight variation of the original company name. They have again ruined my chances of refinancing my loan, which is due now in XXXX. 

I need this debt removed immediately so I can refinance my balloon payment loan, and I need this company to stop placing this debt on my credit report. I fear that they will wait a few months and again place the debt onto my credit report. 

I am forwarding copies of the credit reports which show the timeline of when the debt originally appeared, when it was removed and the date it showed up again, showing the same debt but with a slight variation in the company name.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX XXXXXXXX This account is reporting on my credit report to all XXXX credit bureau as Account charged off. {$22000.00}, written off. {$24000.00} past due as of XX/XX/year>. 

I have yet to receive a XXXX form which I have requested. I am concerned this is some fraud going on with this account. Due to the reporting on my credit? If not actually written off why is it reporting as so on my credit report that is in violation of the fair credit act.
Consumer complaint received 2015-08-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a homeowner who is currently recovering from a XXXX and I have been off work for the past 6 months. I received payments from earned leave and advanced leave from my employer. In XX/XX/2015, my leave reserves were depleted. I still required recovery time, and I was placed on FMLA without pay. I have been unable to pay on my Bank of America mortgage since XX/XX/2015. To date, I have missed XX/XX/2015, XX/XX/2015 and XX/XX/2015 payments. I contacted Bank of America as soon as possible to inform them of my current financial and medical status. I was informed by them to file for the Keep Your Home Program and they can offer {$3000.00} per month toward my mortgage and provide temporary assistance with some utilities as well. I applied with the Keep Your Home California program and I was conditionally approved XX/XX/2015. The KYHC program indicated in the notice that my loan servicer Bank of America must agree to a Loan Modification in order for me to get help. Bank Of America sent me a notice in XX/XX/XXXX stating that I they would be reviewing my account for the Hardest Hit program. Then on XXXX/XXXX/2015, I received a call from Bank of America and spoke to an Agent by the name of XXXX. XXXX stated to me that I have until XXXX/XXXX/2015 to pay {$7.00}, XXXX or they will be issuing a Letter of Intent to foreclose on my home. 
I know that I am behind on my mortgage, and I have been trying to return to work, and hope to return to work soon. However, I am suppose to be in a work-out stage with my loan servicer and I should not be threatened with foreclosure while I am in a work-out stage. 
Additionally, I do n't understand how they think that I can come up with {$7800.00} by XXXX/XXXX/2015 when I am currently XXXX and not working. I had to deal with Bank of America Representatives before, and I have had them laugh in the background, make fun of me, belittle me and try to shame me because of my circumstances. People like me and Homeowners like me need real help and real solutions, and we do n't need people trying to cause more heartache and problems in our lives. We are people too. I am hoping to get back to work soon so that I may be able to continue being a productive citizen in society. 
Bank of America is deliberately, willfully and intentionally trying to sabotage me and keep me from getting the help that I need so they can foreclose on my home. 
I have invested a lot of money into my home, and I want to keep my home. But Bank of America and it 's representatives are giving me the wrong information. I had XXXX from Bank of America tell me that she was giving me a number to the Hardest Hit Program, but she gave me a number to the KYHC program. When I informed her of this, she just non
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year>, my debit card was stolen at an ATM machine. I recieved notification of the fraudulent activity and I responded that the transactions were not to be authorized. 
I received a text on XX/XX/year> at XXXX that my debit card was restricted. 

The person using my card withdrew {$3000.00} and then another {$3000.00} and {$500.00} from my savings account. 

The Bank of America is conducting an investigation of the fraudulent transactions. They list the the two {$3000.00} withdrawal as check withdrawals. The perpetrator used my ATM card as the verification of the withdrawal. The bank of America will not refund the {$6500.00} to my account until they complete their investigation. The B of A allows 90 days for this investigation.

I requested the timing of the two {$3000.00} withdrawals and the Bank of America would not provide that information. 
I would like to know if the transactions occurred after XXXX when my account was restricted. 
I also want to know what rights does a consumer have in a situation where a large amount of money was removed from an ( my ) checking account. Is the bank required to return the money if the fraudulent transactions occurred after my debit card was restricted?
Consumer complaint received 2016-06-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

the bank of america locked my card for unusual activity ... ..i was unable as they stated to fix the issue online ... .so i called the number and was on hold for 30 minutes ... .the operator apologized for the wait and said they are going to be hiring more operators so people dont have to wait. I worked it out with him and he unfrozed the card. I used the card an hour later to order an ac unit that i very much need for health reasons. The card was declined because it was locked ... .i then once again got a text message on my phone that the card was locked for unusual charges! I am on hold again on the phone Bank of America Security Alert Debit card ending in XXXX Unusual debit card activity detected ... XXXX ( 2 hours ago ) Bank of America XXXX XXXXXXXXXXXX XXXX ; XXXX PM ( XXXX minutes ago ) after being on hold again for XXXX mins i was told by the operator that my card was opened and then closed an hour later ... .because it didnt recoginize a XXXX dollar charge to XXXX. as a result my charged was denied and an ac unit i needed here in ny importantly because i am XXXX would no longer be delivered to me on friday but instead have to wait till monday! in addition some guy discussed with me for almost 40 minutes to say if there is a XXXX dollar difference i could get that from the bank ... .it weighs XXXX pounds and what an insult to keep me on the line just to waste my time total phone time 2 hours and a health risk for a stupid bank system please do something!
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I had to late payments near the end of 2015 on my Capital One credit card. XXXX and XXXX I believe. I disputed them because they are reported as 30 days late. In reality XXXX was only 10 days late and the other 15 days, the late fees were even reversed. 
The dispute request to have the late payments removed since FCRA allows reporting after 30 days late was denied and the negative information remains. 
I would like Capital one to remove those negative marks.
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

I deposited a {$3000.00} check in my checking account and Wells Fargo is holding the check for 9 business days. I deposited the check at the ATM and did get a message that the funds might be held. However, I have received this message in the past but the hold has only been XXXX or two days. When I checked my account this morning, I saw the hold date of XXXX/XXXX/16!