davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-10
Product: Consumer Loan — Pawn loan
Issue: Lender sold the property — 
Company: PNC Bank N.A. (MI)

The original loan was for a motorcycle in which, I co-signed for my daughter 's then college boyfriend who we felt needed some help. The bank has now changed several names and different ownership. National City Bank is no longer and back in the XXXX 's not much done electronically, I had a payment booklet and the loan was paid off. At the time I never received a former letter or the title to motorcycle since the bank became defunct. Therefore this new company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX, XXXX bought these defunct pay loans for pennies on the dollar trying to collect on bad/ written off or closed loans. I was contacted in XXXX 2015 stating I owed thousands of dollars from this company. Needless to say I was strong armed into thinking I did and I agreed to much lower amount and paid them {$800.00}! I made XXXX payment of {$200.00} dollars each via check. I have filed a local police report with my local police department and in process XXXX, where I live, XXXX, and then I am doing the same process in the state XXXX where this company is located. Therefore once they received the last payment I was promised my title and end of loan paperwork. When called again the person is conveniently unavailable and when called by the police he was hung up on as well. I will be uploading my paperwork as requested from this so called company.
Consumer complaint received 2016-09-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Douglass & Associates Co. LPA (TN)

On XXXX XXXX, XXXX I received a letter from Douglas and Associates saying that I owed {$9400.00} for Demolition of a property in XXXX XXXX that was transferred to me on XXXX/XXXX/XXXX without my knowledge or agreement. The documentation that I received as " proof '' was a " Limited Warranty Deed '' from Grow Rich Properties who according to the XXXX county did not own the property on that date. The property was transferred from XXXX XXXX to XXXX XXXX on XXXX/XXXX/XXXX. XXXX XXXX then transferred the property to me on the same date using the document dated XXXX XXXX, XXXX according to Douglas. The XXXX deed states that XXXX XXXX " is seized and possessed of the said land and has a right to convey it '' etc. Another county record says that the property was granted to me by XXXX XXXX XXXX the records do n't even match. 

I did attempt to purchase this property from XXXX XXXX XXXX XXXX starting XX/XX/XXXX and paid them {$20000.00} for the " class '' that " entitled '' me to a property, {$3500.00} for their cost and {$20000.00} for a property. I signed many contracts that Grow XXXX drew up and tried to contact them multiple times as well as the property management company they said I had to use, XXXX XXXX who sent me a Transaction Review sheet in XX/XX/XXXX stating they had my funds to transfer and would send my deed. 

In XXXX of XXXX, I made XXXX last attempt to recover at least a portion of my money by submitting a claim to the XXXX Department of Insurance for an errors and omission claim against XXXX. I sent the response letter to Douglas Associates stating that XXXX did not collect the money or conduct a closing so the department lacked proper jurisdiction. They sent a copy on to the Utah Attorney General and suggested I pursue civil litigation. I did not have the money to do so. After 3 years of trying everything that i could think of, I contacted my bank, presented them with all the documentation and history and received a portion of my money back. I had no more information on this property until I received the letter of debt from Douglas Assoc a few weeks ago. 

I never had a contract with XXXX XXXX, the contracts that I did siged with XXXX were never completed and returned to me. My copies say that I would receive a property that I agreed to take by XXXX XXXX. XXXX. XXXX XXXX is the person who received the condemnation letter XX/XX/XXXX and he was given 30 days to complete them by the City of XXXX. 

I received no notice of the transfer, the " judgement hearing, or demolition bill until last week.
Consumer complaint received 2016-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIBANK, N.A. (LA)

In Citibank 's reply to my previous complaint, case number XXXX, they state : We have reviewed your account regarding your concerns with information Citibank reported to the credit bureaus about your student loan. Our review shows that your loan XXXX, a Federal Consolidation Loan, was sold to XXXX XXXX in XXXX 2011. As we have previously informed you, the information that we have reported to the credit bureaus is for the period that your loans were serviced by Citibank. We have reported the payment history for your loan as well as the fact that it was sold. The information Citibank has reported is accurate and will remain on your credit report for a period of up to seven ( 7 ) years from the last date of activity in accordance with the requirements of the Fair Credit Reporting Act ( FCRA ). 

The sections of the FCRA that you have referenced in your letter to the CFPB are not applicable in this instance, and therefore, we are unable to delete our reporting of your student loan. 

Citibank is failing to recognize it does apply because it 's a sold account and I was never notified in writing under FCRA 's 623 a 7. ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

FCRA Section 623 of the Fair Credit Reporting Act, Appendix A to Part 660, Title 16, Code of Federal Regulations, and the Consumer Data Industry Association 's Credit Reporting Resource Guide. Page XXXX of the Guide explains that " Both credit grantors and consumers depend upon consumer reporting agencies to acquire and maintain accurate credit histories. '' Page XXXX provides that accounts may be deleted if the account has been forwarded or sold to another agency, if the account was cancelled and returned to the original creditor, if the account was reported in error, or if the account has been confirmed as fraudulent.
Consumer complaint received 2016-06-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC (TX)

I have asked JH Portfolio to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Transunion, I disputed XXXX as my XXXX account was paid in full. Two days later, their investigation was complete with " No Change ''. Quick response, I questioned if they even checked the account. I then called Transunion and disputed it again. Result, " No Change ''. So, I contacted XXXX & faxed a document to Transunion that showed two XXXX ) " If I did not pay in full, I would be subject to collections ''. 2 ) My balance with XXXX was {$1000.00}, this same document showed {$1000.00} was paid in full. Result, " No Change ''!!! I call Transunion asking what more can I do to get this issue corrected? They proceed to tell me that I should send in more documents! I asked, " What more is there to send in when I had already sent in the receipt showing this account was paid ''? He told me it was up to XXXX to correct this issue. I asked him " Why is it that whatever XXXX XXXX says, it 's the gospel truth ''? Where are my rights as a consumer? My XXXX account was paid in full. All my payments were paid to XXXX. Once again, I was told to send more documents in. I gave up at this point. This has kept me from refinancing my car to a lower interest rate. I am so frustrated!!! Thank you for your assistance. Sincerely, XXXX XXXX
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I took my husband 's last name & moved to his hometown when I got married 10 yrs ago. There was already someone there by the same name. I ca n't get my credit report from the XXXX bureaus online because all security questions pertain to her life. I have written to them about this for yrs and gotten no resolution. I filed a compliant with them recently. Their response was to mail me my report. This does n't address the issue at all. I want my security questions to pertain to MY life, not hers, and to be able to get my reports online like everyone else.
Consumer complaint received 2016-09-27
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (KY)

Homeowner Assistance Package ( loss mitigation ) submitted to Citimortgage, requesting forbearance. I am pending receipt of award letter from Social Security XXXX, which will enable to resume mortgage payments. Homeowner Assistance application was deemed complete on XXXX XXXX, 2016 ; however, suit was filed in XXXX County District Court on XXXX XXXX ( case # XXXX ) - AFTER the Assistance Application was already in underwriting review. 

I have attached a letter ( with attachments from Citimortgage ) that I faxed to the Citimortgage retained law firm, outlining the circumstances as well as the date of Assistance Application completion. Per the documentation from Citimortgage, all foreclosure activity was to cease after the assistance application is deemed complete. Nonetheless, foreclosure procedures were filed 14 days after the loss mitigation package was completed and forwarded to underwriting review. I believe this to be a case of " Dual Tracking '' and in violation of 12 CFR part 1024.41 ( c ). 

I have contacted the Citimortgage Homeowner Support Specialist assigned to my case regarding this foreclosure activity. On XXXX XXXX, I was informed that " there should be no foreclosure activity '' ( see attached email ). I then provided them the case number of the law suit. No other response was received from either Citimortgage or their attorney after informing them of this foreclosure activity.
Consumer complaint received 2016-06-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (LA)

My previous vehicle, a XXXX Honda Accord was total lossed in an accident in 2010. The insurance paid up to a certain amount of the balance owed and GAP was to cover the rest. It has been 6 years and it remains as DEROGATORY on my credit file. I need help resolving this matter. 

XXXX XXXX.
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Credit Card Services is refusing to provide statements for my Chase Business Visa under XXXX. I have records showing money was transferred to them from my personal checking account but Chase can not produce any evidence of debt. I want to point out to that XXXX was my business, I am the owner. My business was subject to Chase 's credit reporting and my business was responsible for the supposed 'debt ' you collected from my checking account. But you can not show any charges were made on that credit card. There has clearly been some kind of accounting error and I want those over charges returned. Another solution would be this, through acts of fraud my ex-wife now XXXX XXXX managed to steal allot of money from me and a large amount of my XXXX son 's recovery money. We have been unable to produce the evidence of what she 's done due to my inability to access any of my finances. It drove me into bankruptcy forcing me to default on my new creditors unnecessarily. One of those creditors is Chase Visa my new account through Amazon.com. I believe you can clearly see on your end who is causing this problem and preventing you from providing me with copies of my statements which I need to show fraud was committed. In effect XXXX XXXX XXXX and XXXX XXXX XXXX have committed offences against both of us.
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (NC)

I reported a fraudulent charge on my XXXX Debit Card from Citibank on XXXX XXXX, 2016. The charge was posted to my Account on XXXX XXXX, 2016 from a XXXX for {$39.00}. Citibank issued me a new XXXX Debit Card that I received the following day. I am still awaiting for the {$39.00} to be credited bank to my checking account. Citibank said that I would receive the credit bank within 5-7 days. It has now been 14 days. I contacted Citibank via their online message center and received a message from a XXXX XXXX that stated " Great News, I see that there is a credit in your account for {$39.00}. '' The only {$39.00} credit in my account was from another merchant ( XXXX ) who had charged me {$39.00} for a membership that I had cancelled. I never made any authorized charge to any XXXX. I have not been credited for this Fraudulent Charge by Citibank and they seem to be playing Dumb about it. CitiBank has sent me no paperwork to sign attesting that this was a fraudulent charge. There is no paper record that I disputed this charge. I have had to dispute charges in the past with other banks and have always receive some kind of paperwork to sign and at least have a paper trail that I had made a dispute. This charge caused my account to be overdrawn and Citibank charged me multiple fees. I feel that this is a scam.
Consumer complaint received 2016-09-27
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

I obtained a Wells Fargo Home loan in 2005, at the time Wells Fargo loan officer informed that I did not make enough money to pay for said loan and advised and obtained a Home equity line of credit to help me make my payments. When I asked her how this was going to help me she informed me that the housing market is climbing so fast that I can refinance the loan in about a year at lower rates and combine the loans and I would pay the same monthly mortgage. 
When interest rates started dropping and housing market crashed I desperately tried to get Wells Fargo to re-finance my loan at a lower interest rate. They refused and said the house was under water and they continued to withdraw $ XXXX XXXX dollars a month interest charge on the home equity line, about XXXX dollars later after they sucked up all the remaining equity from my house. I attempted to re-finance several times and combine the loans but they would not reduce my interest rate XXXX to make my house affordable and kept withdrawing the interest from the home equity line of credit that they gave me. 
I feel that Wells Fargo duped me into a interest only loan at a high rate and said I could not afford it and gave me a equity line of credit knowing that this would drive my home further under water. 
10 years later and XXXX in interest fees on the Home equity line of credit Wells Fargo re-financed my loan after the housing market went up. They combined the XXXX loans and now I am stuck paying for a Home Equity line of credit that I did not ask for and Wells fargo took all the money out for there interest. As soon as the Home equity line of credit was tapped out they re-financed my loan. I am now in debt XXXX more than my original loan beacuse of the interest that Wells Fargo took every month from the equity account. 
When I asked the Loan officer why she did this she informed me that at the time I did not make enough money to pay for XXXX XXXX mortgage. If I did not make enough money to pay for my first how did they give me a second? which put me into more debt. 
I feel Wells Fargo Loan officer conducted Predatory lending and after seeing all the fraud that Wells Fargo has done in the last few years I am convinced that I was part of that fraud. 
I ask the Consumer Protection Bureau look in this matter and see how I was qualified for a XXXX line of credit to pay to Wells fargo in interest and how if I was not able to afford my first mortgage how they expected me to pay a second.
Consumer complaint received 2024-08-27
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. (MI)

This morning, I was stunned to find inaccurate accounts appearing on my credit report, and Im utterly confused as to why this is happening. My routine credit report check revealed discrepancies that seemed to come out of nowhere. I even refreshed my browser multiple times, thinking it might be a technical issue, but the mistakes remained. Im really upset about this and need the documents Ive sent to be carefully reviewed so I can have peace of mind once and for all.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am unable to access my credit report because the information I have entered to receive my credit report does not match the information that the credit bureau has for my reported information. I know for sure that my information is correct because I have only ever had one address, and I have my social security card and driver 's license in front of me. I have no debt, assets, have never taken out a loan and have never gained credit, but I am getting calls from multiple debt collection agencies and I am worried I have been the victim of fraud or identity theft, but am unable to affirm or deny my fear because I can not access my credit report.
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. (TX)

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had an account with bank of america. Unfortunately my spouse has left me and I am not employed. I am currently on public assistance ( food stamps ). I spoke with a rep awhile ago at bank of america to see if I can claim a hardship. I was told I would be sent paperwork to fill out to prove my financial hardship. I never received any paperwork. I also had requested that they stop reporting 1 's and L 's on my credit reports as this is hurting my credit very negatively. This account has been charged off to a bad debt unfortunately. I have tried soon after the abandoment to do in good faith pay my card but under the circumstances I was not able to do so. I recently spoke with a bank of america rep who had called me and they were asking to me settle on 1/2 the debt. I 'm lucky if I have {$5.00} to my name. I had agreed to pay {$30.00} for 3 months in hopes that my sibling would help me and give me the money. Unfortunately he is unable to do so he ca n't supply me with anymore funds. I am in a very hard place right now and I have tried everything in good faith to not have this happen. I am requesting that bank of america please keep to what I was told and stop reporting the L 's and 1 's on my credit reports each month. I am submitting this complaint about bank of america because they promised me being the account was written off to a bad debt that the reporting each month to the credit berous would stop. To this day they are still reporting.
Consumer complaint received 2017-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NC)

To whom it Concerns, I currently have a mortgage that is held by XXXX XXXX. This loan was made in XXXX, XXXX. My original loan Servicer, XXXX XXXX, handled my loan and encouraged weekly and bi weekly payments. I made 3-4 payments per month, also making {$100.00} extra per month since I purchased my home. My Loan Servicing company changed in XXXX XXXX to Specialized Loan Servicing ( SLS ). I continued to make my partial payments for 3 months. Unfortunately, they have told me that their system is unable to properly process these partial payments. As a result, they applied my payments to principal ONLY and disregarded it as payment towards my monthly payments, and now my loan has now been reported to the Crediting Bureaus as Delinquent. Upon the request of SLS, I quit making partial payments with no resolve for prior payments, and after NUMEROUS phone calls, Certified Letters, and Faxes, they have not fixed anything per my requests. I have provided them with ALL payment information of 100 % monthly PAID balances. They have not fixed anything, nor care to. I do not know what else to do. I am 100 % on time, every time with my mortgage, and because of their SYSTEM ERROR at SLS, they are now reporting Delinquencies to the Crediting Bureaus. Please provide me with some assistance or information on what to do, or who to call. Thank you for your time and have a great day!
Consumer complaint received 2016-09-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: R.M. Galicia, Inc. (CA)

Progressive Management Systems in XXXX XXXX, CA sent me a letter/correspondence and disclosed their company name and information on the outside of the envelope for my neighbors to see. This is a violation of my privacy and the FDCPA. The account number is XXXX and the letter states they are a debt collector. Even though this is a letter stating the account was withdrawn by the creditor they have now shared their company name and information. They should have put the address only on the envelope so my neighbors would not have seen their agency name.