davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX   XXXX   XXXX   filing this complaint to defend my property from  Bank of America wrongfully  invading my privacy my violating the  Gramm-Leach Bliley Act  for sharing my information to non-affiliate third party. I have unsuccessfully try to refinance because of unauthorized credit inquires and the unfair credit reporting on my credit file. I feel like B ank of America h as truly discriminate against for failure to offer me an affordable modification. Im reaching out to the  Consumer Finance Protection for me  to obtain equal justice a nd Due Proce ss. During my continuous research into my loan I have discovered that my loan was sold more than five-times over its life time. Without my knowledge which means many unknown person has unauthorized use of my information.  Bank of America  file for foreclosure on   XXXX   claiming I breach my contract for non-payment, when in fact they breached my contract when they sold my loan on  Wall Street wit hout my permission and allowed everyone to see my personal information. In  XXXX , I close an instrument with    XXXX   XXXX   XXXX  .  in   XXXX   my loan was assign over to  CountryWide Home  Loans. My hardship started around   XXXX   I started reaching out to  Countrywide Home Loans to make  arrangements on my loan. During this time, I had no idea What really happen to my loan until now therefore, I was unable to address these issues earlier.   I will be reaching out to other government agency in order to save my home from foreclosure
Consumer complaint received 2017-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

I received a phone call at   XXXX   XXXX   pst on   XXXX   from  XXXX . They called again at  XXXX  and   XXXX  . I answered the  XXXX  phone call and it was from  Navient. I   asked why they called me at   XXXX   XXXX   and if they knew that was illegal. The woman would n't answer me unless I verified my information with her.
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Claims Bureau, Inc. (NJ)

My son who was  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2016  saw his doctor at  XXXX   XXXX   XXXX . He has insurance through his step-mother 's plan. I did pay his co-pay of {$15.00} when he received a bill for that. However, I got a bill in my name for {$220.00} and could n't get an explanation of why he would even owe this money. I have no idea why this bill is in my name as my son is n't on my insurance and is an adult. They sent it to a collection age ncy, Professional Claims Bureau,  in  XXXX , NY. I have repeatedly told them this debt should not be in my name.
Consumer complaint received 2016-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, IL. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached XXXX XXXX Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in Texas. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting XXXX ( Now doing business as XXXX XXXX XXXX ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( XXXX, XXXX, Experian ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX let the vehicle sit on that lot for 5 months and failed to notify XXXX. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that XXXX dba XXXX. XXXX XXXX immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (NJ)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc. (FL)

I Have Sent Dispute Letters To This Company That There 's Noting Stating That I Signed Saying Anything Will Be Sent To A Collection Agency. I Signed A Release To Have Medical Treatment and The Release Of Medical Information That 's It Nothing Else And I Want This Off My Credit Further More Its a Hippa Violation!!!!     {$55.00}  XXXX / XXXX / XXXX  {$72.00}  XXXX / XXXX / XXXX  {$110.00}  XXXX / XXXX / XXXX  {$170.00}  XXXX / XXXX / XXXX  {$150.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX
Consumer complaint received 2017-04-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (NY)

On Monday,  XXXX   XXXX ,  XXXX , I was contacted by  Discover Student Loans a bout a loan that had originally be taken out with  XXXX  in  XXXX . The loan was sold t o Discover a few  years back. The customer service who contacted me identified that she was calling with the co-signer,  XXXX   XXXX , on the other line and wished to patch him in. I did not want to speak with her because I was very surprised by the phone call. I said that it was not a good time, she repeated that the co-signer,  XXXX   XXXX , was on the other line. I hung up at this point.  XXXX   XXXX  is not the co-signer for this loan, this loan does not have a co-signer. I was older than  XXXX   XXXX   XXXX  and did not require a co-signer for this student loan.  XXXX   XXXX  ' name is not on the  XXXX  for this loan. Discover has my home address, my cell phone number and my email address, they need not contact a third party to try and contact me. The representative also misidentified  XXXX   XXXX  as a co-signer. This is deceptive, the representative lied to me and to  XXXX   XXXX  who is aged and was rightfully very upset and confused by the phone call.
Consumer complaint received 2017-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection (FL)

In reference to the complain (  XXXX  ) already submitted. The company, Perfection Collection, respond that I agree to pay  XXXX  $ monthly for a total amount of  XXXX   XXXX  That is true if they will respond regarding the debt validation, before start any kind of agreement with this kind of people I want to see everything. I already request by certified mail and by e-mail 3 times directly to  XXXX   XXXX   XXXX  but I have not receive any answer. So for me complain is still open.   Attached is the letter that I sent and at this  letter I appreciate one answer,
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-04-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NV)

COMPLAINT ABO UT CITIBANK PROMOTION - FA LSE ADVERTISING/SCAM Please see attached proof from the bank er (   XXXX   ) ind icating the account she opened for me - did qualify for the promotion and I would get paid the  XXXX  on  XXXX   XXXX  /17, as th e promo stated.       I* have attached correspondence from  CITI a nd myself for your perusal along with the advertisement from the bank The promotion was for  XXXX  - I deposited $  XXXX  had the banker told me she could not honor the promotion without opening a checking account - I would have told her to open a checking account and deposit  XXXX  into the checking account and leave the remaining  XXXX  in the savings account. that IS A NO BRAINER - SHE DID NOT SAY THAT AND SIMPLY SAID I DO NOT HAVE TO AND GAVE ME THE CONFIRMATION. I AM UNABLE TO SCAN THE DOCUMENTS, SO I AM GOING TO FAX IT OVER TO YOU Thank you
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (LA)

I brought a mobile home fro m 21st Mo rtgage  in 2008, no w that I am getting near the end I seem to have more add on fees. I have inquired about these fees and they become belligerent and talk to me with blatant disrespect. My amount that I owe them is wrong and they refused to fix it, they also have taken my insurance money without my approval and added it to my loan which has not done anything for the amount. I have repeatedly tried to call them and ask for the amount they are sending the credit company in regards to my credit re port. 21st Mort gage have a lot of practices that need to be looked into, during the times everyone was coming back from Hurricane  XXXX . We brought homes and like myself only owed {$11000.00} but to still be paying them to this date is so utterly unfair. We should have been finished with them I am not understanding why we are not and they refused to answer any questions. There is a guy name   d (   XXXX   ) no  last name and he is always rude and talk to you any type of way with little to no respect of who you are, I truly need help to get this completed ASAP.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

I have a mortgage loan with  PNC Bank.  Recently, I had a slab leak and the insurance company sent me a check for the damage that need to be co-endorsed by  PNC before  I can deposit it to my account. The work was already done and I have to pay the construction company. However, I ca n't deposit the check from my insurance company because I ca n't get a hold of anyone over  at PNC. I 'v e waited in the phone for hours. I 've sent them messages through their online account system and no one has contact me back yet. There is no way to get in touch and speak to a live person whatsoever. Meanwhile, I have to write a check for the money that I do n't have to pay the construction company beca use PNC wo n 't contact me back.
Consumer complaint received 2017-04-25
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Attached to this complaint is a copy of a debt validation notice we received on  XXXX   XXXX ,   XXXX  , and dated  XXXX   XXXX ,   XXXX  , from the debt collection law firm of  XXXX   XXXX  in  XXXX  WA.     We dispute the validity of the debt identified in the notice and we will be sending a formal debt validation request and dispute letter directly to  XXXX   XXXX  within t he 30-day period of receiv ing this notice.  XXXX   XXXX  should cease and desist all collection activity and threats of judicial foreclosure until they have validated a debt, provide proof of creditor status and provide a complete accounting of all individual amounts, which would include any  3rd  party payments made towards this loan from obligors and other parties. Evidence of any electronic transfers of the note should be provided as well to establish who is entitled to receive payments.     The notice is a threat to deprive of our property with the statement, Even though the judicial foreclosure process is being commenced and may proceed during the 30-day period In this notice,  XXXX   XXXX  provides a false statement that BANK OF  AMERICA, N.A. ( BANA ) , is the current creditor to whom the debt/loan is owed.   BANA has never extended credit to us and has no economic interest in promissory note. BANA is only a servicer debt collector.
In a previous notice ( attached with this complaint ) sent to us by BANA, th  ey stated that  XXXX   XXXX   XXXX   XXXX   XXXX  was the creditor to whom the debt was owed.      XXXX   XXXX  and   BANA are violating the FDCPA that they must comply with.
BANA   is not a creditor per the FDCPA http : //www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm   803. Definitions [ 15 USC 1692a ] As used in this title -- ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
http : //www.ftc.gov/os/statutes/fdcpa/commentary.shtm Section 803 ( 4 ) defines " creditor '' as " any person who offers or extends credit creating a debt or to whom a debt is owed. '' However, the definition excludes a party who " receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. '' 1. General. The definition includes the party that actually extended credit or became the obligee on an account in the normal course of business, and excludes [ 53 Fed. Reg. 50102 ] a party that was assigned a delinquent debt only for collection purposes.
Consumer complaint received 2017-04-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On  X/XX/17   , I requested Transunion  &    XXXX   to validated accounts on my credit report and received response on  XX/XX/2017    from Transunion and on  XX/XX/2017    from  XXXX  that accounts where verified but was not provided any documentation as to how these accounts where verified.     Also Transunion  XX/XX/2017    report - on  X/XX/17    I requested that the status be updated on all of my student loans including late payments because my account was in forbearance and dates where not accurate. There is also duplications of my student loans on my report and they have refused to address that issue. I have attached a copy pf my letter that was sent to them
Consumer complaint received 2017-04-26
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GATEWAY FIRST BANK (TN)

I had some issues with my online account with  XXXX  Mortgage. I had been in contact with them regarding these issues and my issues with my payments not being processed correctly. The issue started in  XXXX   XXXX  was resolved in  XXXX  of  XXXX . I had my credit report pulled in  XXXX  and was unaware that  Gateway  had reported  three  (  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  ) 30 day late mortgage payments on my account. I had been in contact with them about these payments and even had the late fees removed after speaking to someone about the issues. I contacted multiple people  at gateway trying to  get these removed off my credit report do to the issues that I was having and the fact that I have never had a late payment on my credit report in the last 8 years. The were unwilling to work with me in my situation. After writing a good faith lette r ( which I have included ) to the CEO, I asked for them to removed ju st the late payment from  XXXX   XXXX  off my credit report and I was told that they were unable to do this and that I would need to file a dispute with the credit bureaus. They advised me that they would be willing to work with me this way. I filed with all  XXXX  credit bureaus and they did not do what they said they were going to do on my credit report. I am very upset with he lack of customer service provided  by Gateway Mortgage  and their inability to work with their customers.
Consumer complaint received 2017-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OH)

On  XXXX / XXXX /  XXXX   at  XXXX   XXXX  our organization 's treasurer,  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX  ), received an email pretending to be from me, our organization 's top officer,  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX   XXXX  with this message : " Hi  XXXX . Are you available to make a payment to a vendor today? Let me know the available balance in our account then i [ sic ] can get [ sic ] further instruction  [ sic ]  on the transfer. Thank you,  XXXX   XXXX   Sent  from my  iPhone '' They have my name correctly spelled and they have my correct email address. However, I do not have an iPhone  and I never sent that message. I checked my  XXXX  account and did not find any such emails sent from my account I have since changed my settings.Meanwhile,  XXXX  did not immediately call me to verify after she received the  XXXX   XXXX  email, but she replied to that email on  XXXX / XXXX /  XXXX   at  XXXX    XXXX   as follows : " I am not sure what you are referring to as a transfer we have money in the account please send me the info  XXXX  '' Then fake  XXXX   XXXX  replied on  XXXX / XXXX /  XXXX   at  XXXX   XXXX  with these details : " Transfer {$6700.00} to the Vendors  [ sic ] banking information  below. Notify me once the transfer has been made and email me with a copy of the wire receipt in your next email. Account name :  XXXX   XXXX   XXXX  Bank name :  Wellsfargo [ sic   ] Bank Routine [ sic ] number :  XXXX  account [ sic ]  number :  XXXX  Bank Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX , VA  XXXX . Thank you,  XXXX   XXXX   Sent from my iPhone '' Thankfully ,  XXXX  did not respond.  XXXX  finally called me about the emails at  XXXX    XXXX   on  XXXX / XXXX /  XXXX  , and I was able to confirm I did not send them and have not seen them. We are concerned the scammers knew our names, their correct spellings, our correct emails and the fact that  XXXX , as the Treasurer, would be the person with the bank account information and that I, as the head of the organization, would communicate with her via email.
Consumer complaint received 2017-04-24
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PHH Mortgage Services Corporation (UT)

PHH Mort gage was included in my Chapter  XXXX  Bankruptcy which was discharged   XX/XX/XXXX ..  In   XXXX   XXXX     that mortgage company decided to do a NEW update of the  DLA date  and put a new charge off update. BY LAW THEY ARE NOT TO CONTINUE TO DAMAGE CREDIT AFTER A  DISCHARGED B ANKRUPTCY ... Why after 6 years would they randomly do an update? But it has caused me to lose my financing and earnest money on a property which I WILL hire an attorney to go after them if they do not fix this issue!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! This is ridiculous and against the law
Consumer complaint received 2017-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

We graduated from   XXXX  l school in  XXXX  and had  XXXX   XXXX  as our loan services. When we started residency the first year we were not required to start repayment. We were told by sallie  XXXX  our  2nd  year that the law had changed and we were required to start making payments  (   XXXX  of  XXXX  ). We were not making that much as residents and both my husband and I have   XXXX   school debt so we could not afford the payments. Not ONE time in the last 8 years has ANYONE from  XXXX  ( now Navient ) contacted me, or informed me when I contacted them about repayment option, about the income based repayment options. We were put into an economic hardship forbearance throughout the rest of our residency  XXXX . We should have been informed of the income based option and we were not. Further, we had a private loan that we were paying on during that same time frame. In  XXXX  when started repayment, our payments were mis-appropriated and applied to all of our loans, making our payments late until WE caught what was happening. This also extended the time it took us to pay off the private loans. After the lawsuit was made public WE looked into income based repayment and it will save us thousands of dollars over the course of our loan repayment.
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (MD)

I opened up an account at pnc bank. I made it crystal clear at the time. Do Not gouge me with fees. The whole purpose of opening the account was to get away from another bank that was stealing from me. I sent after they stated gouging me to close my account and send me the balance. They close the account and kept the money. them a letter stating this and to close my account. They kept the money.
Consumer complaint received 2017-04-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY (TX)

I am getting many phone calls attempting to collect a debt asking for a person that has a different name than mine. It is only the same first name. They tell me they will stop calling me and they continue to call. Now I am got a letter in the mail. The letter has a contact phone number and they do not answer the phone it goes to a voicemail. They are not returning my calls. I am not this person they accuse me of being!