davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I applied for a loan modification on XXXX/XXXX/XXXX. It was denied on XXXX/XXXX/XXXX because OneWest said that there was no material change in circumstances, which is not true. Previously I had applied for a loan modification with OneWest. The last time was on XXXX/XXXX/XXXX. At that time my income was {$5800.00}. Now my income is {$4800.00} which constitutes a material change in circumstances. According to the Homeowner Bill of Rights, OneWest must give me 30 days to appeal the decision. OneWest is refusing to allow me to appeal and is going to move forward with the foreclosure which is set for Friday, XXXX XXXX, XXXX.
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I 've had excellent credit and in a strong financial position for over 15 years, however for the past 5 years I 've been unable to refinance my home. On several occasions I was told by the bank my loan did n't qualify for refinance and I had to be behind in payments to apply for HARP or other assistance program. After losing my job 3 years ago, my income decreases greatly. I exhausting most of my savings and had no choice but stop making payments to begin the HARP process. In the mean time I browed money from my retirement to pay mortgage when or if they approve me. It has been over 90 days and I was informed by my representative that my file has n't been reviewed. After expressing my concern about the process and what this has done to my credit score, I asked that they remove the 90 day or place an explanation on my credit report. As a self employed individual, it is very important that I maintain the excellent credit I had before starting this process. My representative filed a complaint to his supervisor to addressing my request and concerns as well as ask that my case be expedited to a supervisor in the underwriting department for review. I 'm very concerned that I now have a 90day on my credit report because they have n't reviewed my case, and they can still deny me for the HARP program.
Consumer complaint received 2016-01-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NY)

To whom it may concern, I have been a loyal customer at Wells Fargo since XX/XX/XXXX. On XXXX XXXX, XXXX, I deposited a personal check from my wife 's account in the amount of {$1200.00}. The receipt provided stated that {$400.00} would be released immediately and the remainder on XX/XX/XXXX. With that information in mind I proceeded to write out checks. When I checked my account on XX/XX/XXXX not only was the money not available, my account was negative which is a first for me. Instead of contacting me, the XXXX, NY branch withdrew the funds which put us in a panic. I contacted the customer service department who told me that there was a signature irregularity. Being that my wife was a XXXX for XXXX years I immediately contacted her. She in turn contacted her Credit Union which informed her that they were never contacted regarding a signature verification. With that in mind we called customer service back and asked to speak to a supervisor. The representative connected us to XXXX XXXX whom I believe works out of the Minnesota call center. She did not see any notes about a signature discrepancy and could not understand why there was a hard hold on this check. She then connected us to the corporate office and we spoke to XXXX. Unfortunately I do not recall her last name. She assured me that this issue would be taken care of immediately and that she would get back to me first thing in the morning which would have been today. I never heard back from her and when trying to reach her I was unable. 

In the meantime my wife logged into her online banking account and noticed that check # XXXX in the amount of XXXX already cleared her account. While thinking about placing a stop payment on this check she was now unable to. 

Knowing the check cleared her account we decided to go into the XXXX, NY branch which is located on XXXX XXXX ( zip XXXX ) which is where we deposited the check to begin with. We talked to the branch manager XXXX. He also could not understand why the check was n't released. We showed him a copy of the check clearing my wife 's account. He called several individuals XXXX being the deposit operations department and the other being his district manager. None of these parties were willing to assist us. We then spoke to a XXXX XXXX and XXXX XXXX who stated they were from the executive office. Both talked down to us and when I asked why my check was being held his answer was " I 'm sorry I ca n't help you '' this was said to me several times. At one point XXXX XXXX from the executive branch said that the Branch Manager ( XXXX ) had the authority to clear this. When contacted, XXXX said that only the corporate-executive branch has that authority. 

Wells Fargo has displayed immoral and unethical practices in this matter. I regret that the matter had to go to this extreme. It is really sad when a corporation of this size and stature resorts to such illegal actions. 
Thank you!
Consumer complaint received 2015-04-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

i suddenly see my account overdraft ... i got charges for overdraft. they returned payment for XXXX charges. i had no idea what happened and i received no notice of whats going to happen or why. only aftger calling and being told that they can not help me and i can be transfered to a manager after holding for almost an hour. i was told to leave a message and a manager will call me back within XXXX to XXXX hours. I have still not gotten that phone call back. 
i then received a letter in the mail stating that a check that was deposited into my account in XX/XX/XXXX! XX/XX/XXXX!!!!! was now in XX/XX/XXXX!!! claimed by someone else ... what a joke??????? i have still not received my money back! i want them to credit my account for all the money and fees that resulted in and they send a letter to my insurance company explaining that i was not at fault for the returned items!!! i need to be compensated for this!!!
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I disputed this XXXX account for {$720.00} on my transunion credit file numerous times and all I get is a letter stating it was " Verified ''. I have contacted the collection agency to VALIDATE the account and I have been unsuccessful getting XXXX to validate this account in 30 days so I know Transunion have not verified this account. E-Oscar is not a form of validation. I sent this letter to transunion : TransUnion XXXX, PA XXXX Date : XXXX XXXX, 2015 RE : XXXX, account with the amount of {$720.00} Dear Sir/Madame : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I included my social security number on the original page
Consumer complaint received 2015-06-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Around the middle of XXXX XXXX 2015 XXXX, I missed placed my debit card and I, unfortunately, bank with Bank of America so I could not make any transactions, because my account was a paperless account. I was charged around {$21.00} dollars for my gym membership which left my account with $ XXXX dollars. Before I was notified my account was over drawn, Bank of America charged me an overdraft fee of {$35.00} dollars on top of my $ XXXX dollars. Which left my account at $ XXXX dollars. I called as soon as I found out about my XXXX overdraft fee, they told me there was nothing they could do for me except send me a new card and that was fine, the day after i called Bank of America decided to charge me another fee of {$35.00} even though they knew there was nothing i could do until i got my new card. After a few calls i paid {$86.00} dollars that i owed and decided to let it go. On the XXXX of XXXX XXXX 2015 ) i was charged {$46.00} dollars by my gym and XXXX again another {$35.00} dollars on the same day XXXX XXXX XXXX ) with no warning or time to deposit money in my bank account. This is the prime example of legal money laundering. I am a student who works seven days a week, lately, only to pay all my debts to bank of america. This whole situation resulted in me paying {$160.00} of my hard earned money to this fraudulent bank. I am hoping to take action to prevent this from happening to someone else.
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion previously removed my Bankruptcy filling report due to inconsistent records.. now they re-added the record with false data, stating it was a chapter XXXX filed in XX/XX/XXXX ... this is wrong and they should remove this, ... it was filed in XX/XX/XXXX got discharged in XX/XX/XXXX .. removed from my credit report and recently added for XX/XX/XXXX .. this is wrong violates every FTC rules on fair credit reporting act
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a child support agreement that was set up by our attorneys. I have never been late on it yet the agency is reporting that it has been late twice. I have asked them several times to fix it but they wont. This has gone on for many months without an answer. I thought they were supposed to respond within 30 days or remove the issue.
Consumer complaint received 2024-10-01
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: Experian Information Solutions Inc. (NY)

Improper Use of my Credit Report ; I am demanding proper reinvestigation of my account with XXXX XXXX XXXX whom is reporting a 60 day late payment as of XX/XX/2018, in addition there were no proper notification of the default, no previously reported 30 day late payment yet they are reporting a 60 day late payment! This is inaccurate and in complete violation of my rights to fair and accurate reporting! 
In accordance with the fair credit reporting Act this creditor ( XXXX XXXX XXXX ) has violated my rights! Under Act 15 USC 1681 section 602 says " I have the rights to privacy ''. 15 USC 1681 section 604A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instruction ''. Under 15 USC 1666B " A creditor may not treat a payment on a credit line account under an open-end and consumer credit plan as late for any purposes.
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

n XX/XX/XXXX I started having trouble paying my mortgage and soon after I reached out to XXXX for a loan modification. 
At that time the property value was approximately XXXX. 
Delay after delay and finally I get approved for my modification and after XXXX takes and deposits my XXXX payment ( document attached ) they transferred my loan to another serivicer, this is the game these banks and servicers play so they look like they are helping by granting the loan modification but then they transfer you to another serivicer who then makes you start the process over, the grueling process, and the next servicer denies you the loan mod. which they tried to do in my case. 
So after paying the new payment of XXXX a month I was transferred to BofA who then made me go through the whole process again and then increased my payment XXXX to what would have been almost XXXX a month after all the adjustments after a few years into the loan. 
After some complaining and alot of back and forth BofA switched my payment back to its original loan mod payment I was approved for by XXXX XXXX a month however they saide instead of it being fixed like the XXXX loan they will be changing it in five years and then again in another year increasing my payments by approximately XXXX-XXXX a month when it finally adjusts. 
This is not acceptable. I want the original loan modification that was originally agreed to by me and XXXX of fixed XXXX a month and I want the principal reduction that XXXX at XXXX said I was going to get, I would be getting a principal reduction as they payments were being made and the reduction would have been to its fair market at that time. 
So I am demanding that my original loan mod be put back with the principal reduction I received at the tiime XXXX approved the loan. XXXX at XXXX said in conversation to me that yes, principal reduction is part of this loan mod. as it stands now my loan balance is XXXX which is above water on the property, why are you keeping my loan underwater on a loan mod I was promised principal reduction and I want it back down to XXXX what was promised me in my original loan mod with XXXX just like you changed the payment from almost XXXX back to XXXX I want the principal reduction I was promised too. That was part of my original loan mod and I want it back. I got my payment back, but that is n't enough, I want my principal reduction back now. I had my loan mod with principal reduction and a good payment, that was all taken away when XXXX transferred me to BofA and BofA blatantly took it away, I partially got my payment back by complaining to the CEO of BofA XXXX XXXX and the CFPB etc, but they did n't restore all my payment, now I am demanding my fixed payment not increases XXXX a month for the life of the loan, and my principal reduction to the fair market value when I applied for my loan mod back XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2015-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penncro Associates, Inc. (VA)

XXXX did not honor our contract agreement and sent me to collections without cause. They eventually sent a letter to Congressmanwoman XXXX XXXX office, but never contacted me. I have made several attempst to contact them but no response. Please not dates of documentation. I have had no gas for over a year and no heat. They sent me to collections and I want them to honor their agreement and remove me from collections and compensate me for all I have spent to keep warm. If they do not, I am filing a suet with my local court. Thank you. CR
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

CFPB I am writing to formally file a complaint regarding Experians consistent failure to comply with federal consumer protection laws, particularly the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to dispute inaccurate information on my consumer report, Experian continues to refuse to process my disputes, violating my rights as a consumer. 
It is my legal right to dispute any information on my credit report that I believe to be inaccurate. This report is **my** consumer report, not Experians, and I have every right to ensure its accuracy. Experian, a for-profit company that purports to protect consumer data, has repeatedly failed in its duty by neglecting my disputes. Despite providing the proper identification and clear evidence of inaccuracies, Experian continues to stall, using excuses such as claiming the dispute was not sent by the consumer. This is entirely unacceptable. 
Experian 's practices appear deliberately designed to avoid fulfilling their legal obligations to consumers. By refusing to process legitimate disputes, Experian not only disregards the law but also profits off inaccurate information that plagues consumer credit reports. Their lack of transparency, efficiency, and accountability is a blatant violation of my consumer rights. 
I previously submitted a complaint ( ID : XXXX ) on XX/XX/year>. As of XX/XX/year>, I received yet another of Experian 's template letters claiming they will not process the disputed information. This is a clear indication of their pattern of delay tactics and refusal to comply with legal obligations. I have attached the letter as a reference. Furthermore, I believe Experian 's actions disproportionately impact XXXX XXXX particularly XXXX and XXXX American consumers, who face discriminatory practices and deliberate negligence in the handling of their disputes. Experians refusal to address disputes and correct credit reports contributes to systemic inequalities, further damaging the financial standing of XXXX XXXX 
I will not tolerate this blatant disregard for my rights any longer. I will be pursuing legal action against Experian for non-compliance with federal law and for violating my consumer rights. I will also seek compensation for their failure to act, their ignorance, and their discriminatory practices. Experian can not continue to ignore the law, and I am prepared to take all necessary steps to hold them accountable. 

I urge the CFPB to take swift and decisive action against Experian for these unlawful practices. Experian 's continued refusal to process disputes, despite clear evidence, is unacceptable and harmful to consumers nationwide. I look forward to your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-01
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: Experian Information Solutions Inc. (TX)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX  XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2015-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (IL)

PNC bank violated Bulletin XXXX-XXXXRefused information to children and estate of deceased borrowerFailed to provide children witho Standing of the mortgage loan as current or delinquent. 
o Eligibility of the successor in interest to continue making payments on themortgage loan. 
o Whether a trial modification or other loss mitigation option was in place at the time of the borrower 's death. 
o Whether there is a pending or planned foreclosure proceeding. 
o Eligibility of the successor in interest for loss mitigation options. 
o Eligibility of the successor in interest to assume the mortgage loan, with or without a simultaneous loan modification or other loss mitigation option. 

Told children that PNC would NOT discuss the mortgage at all and hung up the phone.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My personal information has been compromised by XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX all of which experienced a security breach, which ruined my credit.
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

citi bank customer 25 years for months they will not all of a sudden refund interest sunday i called and after 5 calls still got nowhere even after a rep hung up on me then offered me soemthing instead of a credit then we got disconnected i called back and was told that citi was told to close my account something i never asked for after 6 calls i still have no credit now i know its valid i know i have been refunded before i also know with all my accounts in the past 2 years several times payments have not been posted correctly this is my account ending XXXX i am unable to use the card much now due to this. 
i am so disappointed that after my loyalty there is no refund of interest as a result i am unable to use my citi cards as i was. banks give more back in charge offs to bad customers. bad cusotmer service bad english costs me time more than XXXX dollars. i am disappointed. its greed and its not customer service. i want the account but will use my cards with other banks who would not insist on keeping XXXX dollars from me
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have incorrect information on Equifax, XXXX and XXXX reported by XXXX ( XXXXHealth Care ) for the amount of {$720.00}. Submitted for collection on XXXX/XXXX/2012 to ; XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. 
I have requested proof through Equifax, XXXX and XXXX, but have never received it. I have also called XXXX XXXX and requested proof that I am in fact liable for this debt, but have received no proof as of XXXX.