davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX. On or about XXXX XXXX, XXXX, Bank of America changed my mortgage loan from a principal to a principal and interest loan. Previous to that, for a period of approximately 10 years, BofA had automatic right withdrawals to my account. 

When the nature of the loan changed, BofA stopped the withdrawals from my bank account. BofA claimed it sent me mail notices, but conceded it was sent to the wrong address. I had never, ever been late on a mortgage payment with them, or any other bank. 

By the time I found out about the mistake, around XXXX XXXX, BofA had filed a complaint and badly hurt my credit. 

I hired an attorney to handle the matter, who sent them letters on XXXX XXXX and XXXX XXXX. BofA never even bothered to respond to either inquiry. 

I would like BofA to remedy this wrong and withdraw their falsely alleged complaint to the Credit Bureau.
Consumer complaint received 2017-09-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Equitable Acceptance Corp (AL)

XXXX XXXX XXXX XXXX XXXX called me about student loan forgiveness. They told me all I have to pay is a one time fee of {$1300.00} and they will wipe away my student loan. They said my payment will be {$0.00} for 242 days after that they will be wipe out all my student loan debt. They emailed me papers and I signed I had no ideal they opted me into a loan with a company called equitable acceptance. Also pretended to be me for an income driven plan that I could have done for free. So i have been paying them for a year now with an interest rate of 20 %. They did not tell me this verbally. I have no idea why I 'm paying this company from. I was scammed.
Consumer complaint received 2017-04-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I was one of those people who was talked into opening an account with Wells Fargo. The account was called a PMA. I opened it because it was n't going to cost me anything and the banker was local and nice. After the scandal hit, I went into the bank and closed the account. What was n't mentioned to me when I closed it was that since, under the PMA, my statements of my several accounts were all combined, the on-line statements for my main checking account ( which I 've had for over 30 years ) would disappear from on-line. I only saw this when I went into my main account to check some figures for my XX/XX/XXXX income taxes. There are no online records for XX/XX/XXXX, XX/XX/XXXX and the first four months of XX/XX/XXXX. After talking by phone with five different departments, I was told that while they might can send me hard copies of those records, they can not restore them online. This is outrageous and directly connected with their account-opening deceptions.
Consumer complaint received 2018-05-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I got this loan a year ago and have since paid the original amount twice but still owe XXXX which is XXXX more than i originally got. i have already filed a complaint and my complaint number is XXXX. I noticed that the company has responded that it wasn't them. I want to add some paperwork from this company to this complaint. since approximately XXXX XXXX someone broke into my truck and took it. so they now have custody of my truck. even thought I have been paying. They keep calling and calling even though I have talked to them and explained that i could only make partial payments now because i am not working full time anymore. They refused to take partial payments and refused to give me the address to send the payment in. They have emailed me constantly as well as called several times after I have already spoken to one of  their agents. Now I see that this company is already on your list but they say it isn't them.
Consumer complaint received 2018-05-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I filed bk when my son got sick and I needed medication to keep him alive. I did not pay on the 2nd mortgage only on the first. The second mortgage raised the interest rate and I can not pay the higher amount. 

I asked for a modification and I was denied. I want to keep my home.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Around XX/XX/XXXX. All my remaining derogatory accounts referencing my bankruptcy were purged. XXXX XXXX was the last one. All had exceeded the 7 year DOFD rule. about a month latter ( XXXX XXXX XXXX ) I noticed that this creditor had changed the information on an account previously listed in good standing to discharged in bankruptcy. This account had been listed as closed as of the day of my bankruptcy. In reality it was closed 5 years prior. Why did they suddenly start reporting this account back in XXXX. I now know. It seems that they were aware that that my accounts included in the bankruptcy were over 2 years old when I filed limiting their reporting to 5years. They hedged their reporting by letting this account sit idol until it was the only thing left. They then started reporting the bankruptcy on that account. Upon contact they admitted it was wrong and after more than 6 weeks latter issued a letter of correction but they have not stopped reporting this account as included in bankruptcy. It corrects then a week latter its back again. The problem is that every time it re reports. My credit score drops 50 points, as the bureau thinks its a new bankruptcy. They appear to be correcting it but its still going on 3 months later. I have sent the bureaus a copy of their correction letter but they fail to investigate and it keeps re reporting. Trans union says verified on XXXX XXXXXXXX XXXX. XXXX says verified on XXXX XXXXXXXX XXXX.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In XX/XX/2017 a fraudulent loan was taken out in my name in the amount of {$20000.00} and it was put onto my credit report. I contacted the company that issued the loan ( XXXX XXXX XXXX ) and also the 3 major credit reporting agencies XXXX, XXXX and Equifax and disputed the charge as fraud. I sent all 3 agencies the police reports and notarized fraud affidavits. XXXX  and XXXX immediately removed the fraudulent account from my credit. Equifax did not so I disputed the charge again and resent my documentation. Again they refused to remove this item from my credit stating the account was verified as accurate by the creditor ( XXXX  XXXX XXXX )
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

still showing inquires all company due to ID theft not mine XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX. XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Automotive Chase Auto Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX +
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (MN)

Debt was due to Identity theft. Fraus alert was activated. Original 'creditor ' was XXXX XXXX XXXX XXXX   were notified of dispute and asked to obtain verification of debt as I was not contacted when credit was 'approved ' by them. Fraud alert required them to call me personally. They did not. Subsequently the collection was taken off my credit report. 
Now, XXXX XXXX are trying to collect the 'non ' debt.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KY)

You know about the Equifax security breach. I have tried numerous times to put a credit freeze on my account and my husband 's account through their website and through their phone system - neither will work. I called their so called help lines and its just a call center who ca n't do anything to help me except to say keep trying and try off times, like late at night -- not helpful! My husband 's data is part of the breach. Equifax is completely inept as their website 's and phone systems ca n't handle the requests for credit freezes. I also am unable to get my free credit report from them. In addition, I was able to put credit freezes on XXXX and XXXX, but had to pay {$10.00} for each XXXX, so I 'm out {$40.00} so far ( myself and my husband 's accounts ) and its Equifax 's fault -- I hope they are sued so people can recover their costs and losses. They XXXX!
Consumer complaint received 2017-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (GA)

1. I purchased residential property at XXXX XXXX XXXX, XXXX, Georgia, XXXX on XXXX for $ XXXX 2. I did 10 % down payment and paid {$15000.00} by Cashier 's Check. 3. I was asked to pay Private Mortgage Insurance {$77.00} every month as I paid only 10 % down payment. I was given Private Mortgage Insurance - Initial Disclosure where in it states that when the principal loan amount is to reach 78 % of the Original value of the property, Automatic Termination of PMI would terminate. 4. The Amortization Schedule was given and when the Principal Balance reaches to {$110000.00}, this balance will be reaching 78 % and automatically PMI terminates. 5. Loan was modified by XXXX XXXX XXXX XXXX, and the additional agreement states under section D that all the terms and provisions of the Loan Documents remain in full force and effect. 6. On XX/XX/XXXX, my loan servicing was transferred to Nationstar Mortgage LLC and I was informed that nothing else about the mortgage loan will change. 7. Nationstar Mortgage on XX/XX/XXXX sent a Mortgage Insurance Annual Disclosure, stating that PMI will automatically terminate on the date the principal balance of my loan is first scheduled to reach 78 % of the original value of the property. 8. I reached 78 % of the original value of the property on XX/XX/XXXX. 9. Nationstar Mortgage LLC., sent me a letter on XX/XX/XXXX that my property purchase price is {$150000.00} and the appraisal is {$150000.00} and my LTV is 77.67 % and automatic termination of the PMI would be XX/XX/XXXX. 10. Nationstar Mortgage LLC., sent me a letter on XX/XX/XXXX confirmed after reviewing the PMI Disclosure, the PMI will automatically terminate on XX/XX/XXXX. 11. XXXX Court reference to similar situation is referred that Mortage Companny can not calculate the PMI automatic termination date on the updated property value which in this case Nationstar Mortgage LLC., has taken the $ XXXX the transferred balance loan amount from XXXX XXXX XXXX XXXX , as property value. A huge mistake Nationstar Mortgage has done. Where as XXXX Courts say that the original value of the property only to be taken. I want Nationstar Mortgage LLC., to refund the excess PMI collected from me. My Nationstar Loan A/c No. is XXXX. Thanking you, Yours truly, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2024-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Dear Bank of America / Credit Card Services Dept ; There are 3 accounts on my credit report that i'm not aware. I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (PA)

XXXX services I had never apply for their service and I got a credit inquire from them on XX/XX/2018. I had call them at XXXX and they could not location an account with my social security number, so they advised me to dispute with consumer financial gov. 
As well two other inquiries from XXXX  on XX/XX/2018 they number is XXXX. Brclysbankde on XX/XX/2018 did an inquiry without my consent.
Consumer complaint received 2024-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Dear Bank of America / Credit Card Services Dept ; There are 3 accounts on my credit report that i'm not aware. I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2017-08-14
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: Experian Information Solutions Inc. (TX)

To whom this concerns : Im initiating this complaint because of some concerns I have about the way the credit bureaus continue to report negative Items on my report even after I have twice sent certified letters asking them to delete the negative accounts. I have stated in my letters to Experian, XXXX, and XXXX that I have never entered into a contract with the below mentioned companies and I requested that they send me a signed document of my contract with the companies mentioned below. I am aware that under the FCRA guidelines the credit bureaus are responsible for ensuring that they are reporting all accurate information as this could adversely affect consumers in a negative way. I am also aware that when you contact the bureaus concerning an Item which is not correct they are responsible for showing proof of the legitimacy of the items being reported. In my experience I have sent two rounds of certified letters and have waited over thirty days for responses both times. The initial letters yielded responses back from the bureaus within the 30 plus day time frame. With the second round of letters I have only received one response from Experian stating they would not re-investigate my dispute anymore because the accounts were verified on their end and I would have to contact either the companies or an attorney to prove that the accounts reported do not belong to me. They also refuse to send me the documentation I requested which is for the accounts to be verified and shown that they are accurate and valid accounts of mine. The accounts in question are as follows. XXXX XXXX XXXX ( Experian, XXXX ) XX/XX/XXXX {$680.00} XXXX XXXX XXXX ( Experian, XXXX ) XX/XX/XXXX {$990.00} XXXX XXXX ( Charg e off Experian, XXXX closed sold off ) ( XXXX transferred ) XXXX {$120000.00}.
Consumer complaint received 2017-03-16
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

XXXX i recently asked my Account manager to give me more time to find the {$300.00} dollars to complete the reboot of their computer system so that i can access my account, But the directors are final on the date the XX/XX/XXXX!!! For me to find this money, If i can not find the {$300.00} my funds that were left to me will be confiscated, this is a lot of money to loose! even a bank would not like to loose so much, i know that you are giving them 16 days to reply but i urge you to put more pressure on this bank, i do not know if you can find me a lawyer and legal aid, i do not know if i qualify for legal aid in the XXXX? i know there is no chance in the XXXX as the government stopped legal as a cost cutting in the financial sector was at the time costing millions to the XXXX and being unemployed on a very low budget less than XXXX pounds per month is a strain on every thing as it is i am just coping with paying my mortgage on very reduced payments also a secure loan i have is also reduced two smaller loans i am unable to pay so i believe i will receive a summons to appear in county court,
Consumer complaint received 2017-08-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

my brother XXXX XXXX on XX/XX/XXXX. He had an account with Bank of America with me as POD.On XX/XX/XXXX I went to a BOA branch with my brothers XXXX certificate and personal ID, they copied the XXXX certificate and wrote down my information and told me my request had to be reviewed by their Estate Unit. They sent me a " beneficiary letter of instruction '' to fill out and requested a copy of the XXXX certificate, which they already had. I faxed the requested paperwork on XX/XX/XXXX. On XX/XX/XXXX I called them to find out what was taking so long. The worker told me they received my Paperwork on XX/XX/XXXX, I do n't know where it was for the three weeks from when I faxed it. She told me that I should receive something in 7 to 10 days. On XX/XX/XXXX I again called asking what was going on. This worker told me the Estate Unit was overwhelmed by work and way behind. She told me she entered me into the system and again I was told I would get something in 7 to 10 days. I asked if something meant my funds, she said yes. My complaint is why does Bank of America have an Estate Unit that slows down the process of getting beneficiaries their monies? We have expenses to take care of, and the XXXX of a loved one is enough stress. Is there money being made by locking who knows how many XXXX of dollars in low interest accounts while they have it invested at a higher rate. My brother 's biggest mistake was setting this account up with BOA as they obviously do n't comprehend that Payable on XXXX means that. This should have taken a week at the most, I 'm now looking at more than 8 weeks since I first walked into their branch. CFPB should be looking into this process in its entirety not individual complaints.
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NRA Group, LLC (NY)

I am attaching a dispute with National Recovery Agency. I disputed this claim with XXXX and it has been deleted from my XXXX credit report. National Recovery Agency should IMMEDIATELY remove any and all derogatory marks that have placed on my credit score with other credit bureaus. 

I have attached a copy of the deletion dispute from XXXX to this complaint.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MI)

On XX/XX/XXXX I filed a complaint against LexisNexis for inaccurate information they have been providing to insurance companies. Please see report # XXXX. 

LexisNexis responded timely on XX/XX/XXXX. In their response LexisNexis claimed all the disputed information has been deleted. However, the updated report continued to contain the same information LexisNexis claimed was removed. ( see attachments ) " LexisNexis removed said claims fromXXXX XXXX XXXX XXXX . Auto insurance report. '' ( see attachments ). 

So either, LexisNexis never followed through and removed this information or LexisNexis never followed through and mailed me an UPDATED report. either way, LexisNexis never completed what they claimed to have completed. 
I have attached the letter LexisNexis sent to me along with the updated report. I highlighted a few examples whereas, an auto claim would contain my name but NOT me drivers license. The drivers license on most of the claims are from a family member.