davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (NY)

My card was canceled by American Express the same day a payment was made which was XXXX XXXX. American Express sends a letter dated XX/XX/XXXX stating they checked my credit on XX/XX/XXXX. XXXX they stated my account was under review on XX/XX/XXXX and this is why the account was terminated. Now it was because of a Fico Score " among other reasons dated from XX/XX/XXXX ''. So if this was the case the card should have been canceled XX/XX/XXXX. The stories keep changing with this company. The account was canceled according to American Express for a number of reasons. I had an American Express Everyday Card. My card was approved on XX/XX/XXXX. My payment due date was the XXXX of every month. This company does not honor agreements or contracts yet they expect customers to honor the same agreement. Keeping in mind I did not go over my limit or violate any provisions with American Express. The XXXX reached out to American Express regarding my account and they have ignored the XXXX and refused to respond. 
I have repeatedly called and requested a letter in writing stating the final amount on the account at the time of cancellation. I have been asking for this letter for three weeks and still I have not gotten this letter. They made promises to change my billing date and they failed to do that as well. 
Finally according to the customer agreement my account could be canceled if I gave false information, was in default, went over my credit line, unwilling to pay, if I violated provisions, or become incapacitated. At best I was lied to so many times by American Express. I am requesting the billing date to be changed to the XXXX of the month. I am requesting a letter in writing regarding the change of the billing date and the current balance on the account. I spoke to XXXX out of the Florida Office on XX/XX/XXXX who stated the letter " was in the mail ''. I received no letter to date. The total amount owed the date of cancellation on the account was {$2000.00} this was XX/XX/XXXX. 
Total dissatisfaction is what I feel for this company and how I was treated. At this point all I need is the billing payment date to be changed and this information mailed to me.
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

In XXXX 2014, our house was hit by a severe XXXX. PennyMac, as our mortgage holder, is responsible for disbursing the funds from our insurance company so that we can pay for repairs to our home. 

Repairs are now complete, but PennyMac is stalling on releasing payments. This means that we either have to ( a ) go out of pocket and pay contractors ourselves ( approx {$40000.00} ) or ( b ) continue to nag PennyMac to release our repair funds, and run the risk of incurring late payment fees or, worse, a lien from our general contractor. 

Numerous calls to PennyMac have failed to push the process forward. It seems that PennyMac has instituted a process of losing paperwork and giving its mortgagees the runaround in an attempt to keep our money as long as possible and generate interest.
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. (TX)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of BirthXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal apartment rental accounts opened which resulted in collection accounts opened with XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Despite repeated requests, Bayview Loan Servicing , LLC has failed to correct the monthly payment due amount on my account and continues to erroneously report my account as late to the credit reporting agencies, thereby adversely affecting my credit. In addition, Bayview unilaterally altered the terms of my loan to include an escrow account.
Consumer complaint received 2015-04-20
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO. (MI)

I owed Original Creditor : Ford Credit, approximately, {$890.00}, however, that was in 2001. 
I received a letter yesterday, attempting to Collect on this " Over '' 10year, debt.This debt doen not even appear on my XXXX Credit report. Would you please " look '' into the Validity of this Nature, please. Thank-you, sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " Consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers privacy. '' Equifax, XXXX, and XXXX are such agencies, and as a consumer, I am entitled to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts, " Congress 's policy is that financial institutions have a continuing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. '' XXXX XXXX qualifies as a financial institution under this section. According to 15 USC 1681 Section 604 ( a ) ( 2 ), " A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' XXXX XXXX the financial institution and Equifax, XXXX, and XXXX do not have my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish my information. Any and all forms of consent previously granted to these agencies are revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires that " A financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise their nondisclosure option. '' XXXX XXXX, have not provided me with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) stipulates that " No consumer reporting agency may include adverse items of information, other than criminal convictions, that are more than seven years old. '' The reporting of this adverse item without my permission is unlawful. 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that " No person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures to avoid violations of section 1681c and limit reports to the purposes specified in section 1681b. '' Equifax, XXXX, and XXXX are not adhering to these reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to " opt out at any time. '' Therefore, I am opting out of your reporting services.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

My name is XXXX XXXX Born XX/XX/year> in XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX I live for the past XXXX XXXX recently move to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX been putting Collections on my name I reported them serval time thats the wrong birth date but they keep ignoring my letter no response to non of them has responded they put a wrong address as well that I do not live not recognized. That cause me to get places and finances stable due to they errors that caused me a lot. I have my passport to prove it.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS ON CREDIT REPORT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, EXPERIAN, AND XXXX XXXX HAS BEEN INVOLVED IN A DATA BREACH. THE SOCIAL SECURITY ADMINISTRATION HAS BEEN INVOLVED IN A DATA TO WHERE MY CONSUMER REPORT HAS BEEN VIOLATED AND MY PERSONAL INFORMATION HAS BEEN RECEIVED BY HACKERS. IT IS ILLEGAL TO KEEP INCORRECT INFORMATION ON A CONSUMER CREDIT REPORT. PER THE LAW 15 USC 1681, CONGRESSIONAL FINDINGS, AND STATEMENT OF PURPOSE, WHICH IS RIGHT TO PRIVACY. WHICH MEANS ACCESS TO A CONSUMERS CREDIT REPORT RECORDS AND PROMOTES ACCURACY, FAIRNESS, AND THE PRIVACY OF PERSONAL INFORMATION ASSEMBLED BY CREDIT REPORTING. ALL BUREAUS HAVE BEEN INVOLVED IN A DATA BREACH WHICH IS A VIOLATION OF A CONSUMER RIGHTS. CONSUMER HAS MAILED IN FTC REPORT AND COMPANIES STILL VIOLATE CONSUMER RIGHTS.ACCOUNTS ARE NOT CONSUMERS AND ARE SOMEONE ELSES ACCOUNTS THAT ARE CONSUMERS REPORT. XXXX HAS REMOVED ALL FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT. DO NOT VERIFY THIS INFORMATION WITH E-OSCAR SYSTEM, VERIFY INFORMATION WITH A HUMAN. I WANT THE INDIVIDUALS NAME WHO WILL BE DOING THE VERIFYING. ALL FRAUDULENT ACCOUNTS SHALL BE REMOVED IN 4 DAYS.
Consumer complaint received 2015-07-01
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

BANK OF AMERICA HIRED XXXX TO SKIP TRACE ME AND FAMILY MEMEBERS TO LOCATE ESTRANGED BROTHER AND SISTER -IN-LAW, WHILE VIOLATING OUR PRIVACY AND HARASSMENT VIA PHONE, ( SEE ATTACHED INFO ) ALL ARE IN VIOLATION OF FDCPA AND TCPA.
Consumer complaint received 2015-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX 2009 I was approved for a short sale due to divorce with BOA. It has been a nightmare since then. I have had to dispute their payment status on the APPROVED short sale on multiple occasions. I have sent them letters and they have corrected the status to paid. Today I received an alert XXXX that my payment status is " LATE " on the mortgage was settled back in XXXX 2009. I have already disputed this item so I am unable to dispute with XXXX bureaus because this problem continues 6 years later. I have sent letters directly to BOA and all was corrected. 
I am currently in the process of closing on a FHA approved loan and now there are lates in my payment history. I am closing on XXXX XXXX and need this corrected immediately. There are multiple phone # 's listed for BOA and I am frustrated that the payment status continues to change and I can not seem to resolve the issue permanently. Please help
Consumer complaint received 2015-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (TX)

Pinnacle Credit Services has violated fair collection processes egregiously with me. 
I have attached the original documentation plus faxes sent to all parties1. Pinnacle is not the original creditor. 
2. Pinnacle is reporting as an original creditor on more than one of the credit bureaus ( FCRA Violation ) 3. As they are reporting to all 3 bureaus, this debt will continue reporting until XXXX XXXX. XXXX, XXXX statute of limitation for suit passed as of XXXX XXXX. XXXX, the standard of XXXX XXXX XXXX for accuracy of demand on time barred debt applies to all communication to me. ( Demand attached ) 4. A debt buyer hired by Pinnacle XXXX XXXX XXXX offered me a settlement on an out-of-statute account contrary to XXXX XXXX XXXX XXXX XXXX. XXXX attached ) on XXXX XXXX, XXXX. 
5. Pinnacle is now reporting to the bureaus, contrary to earlier reports, as being able to be reported until XXXX XXXX contrary to their earlier reporting as XXXX XXXX. 
6. Received a letter stating XXXX was closing the case and information submitted back to Pinnacle. 
7. I filed complaint with the BBB XXXX unanswered by Pinnacle XXXX attached XXXX. 
8. For a brief period after the BBB complaint, the bureaus reported this debt as a closed account which has been subsequently placed back onto my bureau report as an open account and Pinnacle as original creditor. 

I am requesting closing of the file by all parties and deletion from all bureaus anything related to this debt for a pattern of violationsSincerely, XXXX XXXX XXXX
Consumer complaint received 2015-07-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I 'm currently on XXXX somy funds are limited. The last month alone, Citizens has taken over {$300.00} for overdraft fees. Even though the same day they showed, I transfered money from another account to cover. After complaining to the hilt, they gave back {$110.00}. Now they are doing it again. {$7.00} was posted by an agency causing a neg Bal. I quickly transfered funds to rectify. 3 days later they wacked me for XXXX/ {$39.00} fees. I 'm done ...
Consumer complaint received 2015-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (SC)

failure to adhere the proper notice requirements for periodic statements when the borrower is 45 plus days past due as listed below. 

DELINQUENCY INFORMATION. 
If the consumer is more than 45 days delinquent, the following items, grouped together in close proximity to each other and located on the XXXX page of the statement or, alternatively, on a separate page enclosed with the periodic statement or in a separate letter : The date on which the consumer became delinquent ; A notification of possible risks, such as foreclosure, and expenses, that may be incurred if the delinquency is not cured ; An account history showing, for the previous XXXX months or the period since the last time the account was current, whichever is shorter, the amount remaining past due from each billing cycle or, if any such payment was fully paid, the date on which it was credited as fully paid ; A notice indicating any loss mitigation program to which the consumer has agreed, if applicable ; A notice of whether the servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process, if applicable ; The total payment amount needed to bring the account current ; andA reference to the homeownership counselor information disclosed pursuant to paragraph ( d ) ( 7 ) ( v ) of this section.
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Balance transfer — 
Company: FIRST NATIONAL BANK OF OMAHA (GA)

In XXXX of 2015 I did a balance transfer from XXXX of my credit cards with a higher interest rate to my First National Bank of Omaha card. The rate on the original balance was at 12.99 % and the rate being offered by FNB was 5.99 % guaranteed for the life of the balance and with no fees involved. The amount of the transfer was {$7400.00} and was posted to the FNB account on XXXX/XXXX/15. The monthly payment on this amount on the original credit card was {$140.00}. The monthly payment on the FNB card before the transfer was {$170.00}, which resulted in a total per month of {$310.00} for both cards. Now the payment on the FNB card has increased to {$410.00} per month, {$98.00} per month more than I was paying before the transfer occurred. My question to FNB was how can my payment increase {$98.00} per month when the interest rate on the {$7400.00} amount went from 12.99 % to 5.99 %? Also, in the '' minimum payment warning '' of their statement it was explained that if I were to only make the minimum payment of {$410.00} every month it would take XXXX years to pay off the balance BUT if I were to make payments of $ XXXX it would be paid off in XXXX years saving me over {$1000.00}. FNB insisted that my minimum payment was indeed $ XXXX. When I suggested that I make the $ XXXX payment that was shown for early payoff I was told I would be charged a late fee every month. When I asked the customer service supervisor to explain the " fuzzy math '' to me, his answer was " That 's just how it works. '' So, by attempting to save money every month by lowering my interest rate by a full 7 % I am now spending {$98.00} more each month instead. I wonder how many other unsuspecting consumers have been mislead by FNB into transferring their higher percentage balances to this company and thinking they would also reduce their monthly payment by taking advantage of the lower rate.
Consumer complaint received 2024-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (IN)

We have been trying to get information regarding PMI cancellation from our mortgage servicing company and they have not been able to get us what we need after months of trying and countless hours talking to many people within the organization. I have met all the requirements that I believe is necessary to have PMI cancelled per their guidelines however every time we meet them, they move the goal posts and say we no longer meet them. Example : We got our XXXX ( loan to value ) ratio down to below 78 % as that is what they wanted to have it cancelled. After doing that, they came back and said we are no longer using the original value of the house as the basis for XXXX. We are using something called XXXX ( automated valuation model ) which was much lower than what the house was assessed at and paid for the house 3 months prior. Because of this much lower XXXX amount, it will take much more money to get to 78 % XXXX. Also, last time I called they changed the XXXX ratio needed to 75 %. Lastly, they added that we need to make substantial XXXX to the house before it can be cancelled. We just bought the house of our dreams 3 months prior and it does not need major upgrades at this time. Putting + $ XXXX into the mortgage should suffice in place of making tangible XXXX to the property considering we just moved in. While we have been given the run-around every week for months, we are still paying the PMI every month which I assume is why they are stringing us along.
Consumer complaint received 2015-12-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MA)

I receive repeated phone calls from Midland Credit ( XXXX ) at ALL hours of the day attempting to collect a debt that is not mine. I have read that Midland may be calling to resolve a debt owed by a relative of mine. While this may be the case, I do not have any joint credit with a relative that has ever been in default and do not want to continue to be harassed by Midland Credit for a debt that I was never a party to. 
Please issue a cease and desist order to Midland Credit from this unfair harassment practice immediately!
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

I just see a lot of inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-01
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To whom it May Concern, I, XXXX XXXX, hereby declare that I have been a loyal customer of bank of America since 1998. I have changed accounts four times for security reasons, but I never left my bank. It has been about ten months or so since that the overdraft fees that bank of America charges have become outrageous. Bank of America reorders debit card transactions/e-bill payments and withdraws in various ways ( usually placing the higher amounts first that will leave customers with negative balances XXXX, therefore ; the average client will be left with more than a few costly overdraft fees. Every time I have called to complain about how my available balance changes from day to day, the supervisors and customer representatives tell me that the automatic system rearrange transactions in different ways. Sometimes the automatic system will process larger transactions first and others the system will not process transactions correctly over the weekend. Consequently, on Monday morning the average costumer will be surprised with a bunch of overdraft fees. I have asked supervisors and customer reps to amend the mistakes that the automatic service makes. Some managers will waive a few charges. Others, like the last supervisor I spoke with will tell me that if I balance my account using my phone or a computer, I am destined to pay overdraft fees every week. If that is the truth, why does bank of America promotes mobile applications, online banking usage and online statements? Then, to make it more ridiculous the supervisor told me that if I kept doing my balance using paper and pencil and comparing it with my online balance, I was also destined to be charged hundreds of dollars in overdraft fees. Supervisors keep talking about the automatic service and blaming it for all overdraft fees like the automatic service is an electronic device that ca n't be handled by human beings ( it has its own mind ). My sister who was a loyal customer for XXXX years of Bank of America left the bank because of the same reason : Bank of America is rearranging deposits and withdraws anyway they want, so they can make millions charging overdraft fees. Something has to be done to stop Bank of America for charging overdraft fees in order to increase costs to average consumers for their benefit.