davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In the   XX/XX/XXXX   I applied for a Modification with Bank  of America  for a fixed interest rate, to lower my payments and principal reduction due to the fact my home is severely underwater. I was sent back papers stating papers were not complete. I resubmitted the papers in a complete fashion. On   XX/XX/XXXX  I receiv ed a BPO from a third party  XXXX , who  Bank of America Hired . The BPO was inaccurate. Stating my home was sold in   XX/XX/XXXX  b y  XXXX   XXXX  for {$32000.00}. That would be inaccurate falsified data. I telephoned the third party vendor. I have an attached letter that will explain the details.  Bank of America, has played the cat and mouse game with me for too long. Bank of America,   purchased my servicing papers from  XXXX   XXXX   XXXX , while my home was sitting abandoned. All paperwork should be in their archives. Both banks new my home was arson o n  XX/XX/XXXX  and was left abandoned for   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX  . Leaving me   financially broken. I literally lost my place of employment and had to file for bankruptcy.  Bank of America was not included in the bankruptcy but was listed. I have been unsuccessful in getting Bank of America  to modify my loan with a lower fixed interest rate that will lower my mortgage payment and will not continue to rise every time the mortgage rates increase causing my mortgage to increase. Possibly causing me a payment that I can not afford. My mortgage does not have my property taxes included in it. I pay an association fee of {$160.00} monthly, that continues to increase as well. I pay homeowners insurance also. I would like for Consumer Financial Protection Bureau to investigate this matter regarding my modification. But also other pending issues I have with  Bank of America  that has yet to be resolved. Like the legal description that is still stating someone else owns my property when they do not. The legal description is stating  XXXX  is the owner of my property. I asked Bank of  America to send me a history of my mortgage account. Little to be known, Bank of America,  mailed to be out the history of my mortgage account, but also a legal description stating  XXXX  is the legal described owner. I filed a claim with  XXXX   XXXX   XXXX   XXXX   XXXX , who denied the claim. I filed additional documentation with  XXXX   XXXX   XXXX   XXXX   XXXX , but have yet to hear back from them as well. Please investigate this matter thoroughly. The Modification. The Legal Description.   XXXX   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX   XXXX  currently  XXXX   XXXX   XXXX   XXXX   XXXX , who continues to state my name is  XXXX   XXXX . I have never uses an alias name in my life. Lastly the falsified data analysis report stating a sale of a contract was entered in   XX/XX/XXXX  fo r {$32000.00} to  XXXX   XXXX , a real estate agent, who works for   XXXX   XXXX   XXXX   XXXX  , located in  XXXX , Illinois.
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (PA)

For the last year, I have continuously disputed the debt with the collection agency and three credit bureaus. I have never received notification from the original creditor or collection agency regarding the two debts owed. I repeatedly disputed and Credit Collection Services failed to provide validation of debt and continue to report the account to the bureaus. 

The amounts of the debts are ; {$440.00} and {$380.00}. The accounts are still showing up on my XXXX XXXX credit report.
Consumer complaint received 2017-04-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (KY)

This company does not have a contract with me. This is not a valid debt. NO CONTRACT. This is a violation o  f HIPAA as well as the Fair Credit Reporting Act.
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from GLA Collections.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA   authorization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.       XXXX   XXXX    XXXX   XXXX  needs to send this information to me for review, accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an a ttempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.      Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.     Dates :  XXXX  amount {$140.00}  XXXX  amount {$240.00}
Consumer complaint received 2018-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2017-04-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NC)

Navient keeps harassing me with relentless calls. Home and now my work.
I am a responsible Parent that has co-signed a loan for my son.
I 've been very responsive to all of their request. They needed enrollment verification for my son. My son has never missed a semester or taken anything less than a full load/fulltime at College since graduation from High School.     Their collections department calls needing payment because they were missing the form, because they think he is out of college.   I have uploaded the form to their site and faxed it to their contact number. I have also emailed the forms as well. I had the University get me notarized copies of this form. The issue is that the company does not have good communications between departments. I have tried to call them, but I 'll get put on hold and wait forever, until the line eventually hangs up. I call back again talk to " Another '' Rep, wait again. Finally you 'll get a supervisor on the phone, they ask the same questions the other  XXXX  people you 've talked to at Navient. There are No notes on my account that I 've ever contacted them. I say BS. I have every email and fax confirmation that I have sent to  Navient. This has got to stop, if Navient 's actions have effected my credit rating in anyway, I will seek Legal  council.   DO NOT USE NAVIENT FOR ANY STUDENT LOANS!!!
Consumer complaint received 2018-01-05
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: EQUIFAX, INC. (OH)

On XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX ran my credit without my permission. I did not authorize them nor did I apply for any type of credit. whne I realized that my credit was ran I immediatley contacted them to have them inquiries removed. The General Manager advised me that they moveremove them with 30 days that was on XX/XX/XXXX. Since then the inquiries on still on my credit report . I have contacted XXXX and Equifax to dispute these 4 unauthorized inquires due to fraud being commited since I did not give permission for my credit to be pulled ,  XXXX and Equifax  advised me that I had to contact the XXXX  XXXX to resolve this issue.
Consumer complaint received 2018-01-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX 's client XXXX XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a credit card with XXXX XXXXCap One XXXX/XXXX/XXXX. While no account was established a fraudulent inquiry related to the application was left on his XXXX credit report. An official dispute of this was sent to XXXX XXXX XXXX/XXXX/XXXX and as of this date no reply has been provided which is a violation of the FCRA.
Consumer complaint received 2017-04-24
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. (FL)

In  XXXX , after Hurricane  XXXX  I applied for and granted a forbearance ( Disaster Relief ) by  XXXX . As stated in prior complaints this company is very deceptive, I have been notified by  XXXX  credit reporting agencies that my payments for the three months for forbearance are now being reported as 90 days late. This has tremendously brought down m y credit score. I sp oke with the Ombudsman from  XXXX  who assured me, as well as apologized  XXXX  times. That my credit would in no way be effected, these payments would go on the end of my loan. However, this is not the case. It has also been reported that they were late payments made in  XXXX  and  XXXX  that are not true,  XXXX  said these should have been removed in  XXXX . Looks like that was another lie. I am suffering from  XXXX   XXXX  and the undue  XXXX  of their practices is wearing on me. I think  XXXX  needs to understand everyone is not going to stand for their bad practices.     I would like this resolved ASAP, as I look for another mortgage company to service my needs.
Consumer complaint received 2017-04-24
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: Experian Information Solutions Inc. (KY)

I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insuran ce C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible  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   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  Please remove these inquiries from my credit report immediately
Consumer complaint received 2017-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insura nce C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible  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   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  Please remove these inquiries from my credit report immediately
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo, who has already admitted to opening TWO fake accounts in our family members names, recently sent me TWO new debit cards in my name. These cards were not requested, and they are separate accounts from each other and seperate accounts from our personal accounts. These came in seperate mailings, and are further evidence of FRAUD of this bank. We recently bought a home, and we believe that these 2 additional credit cards may have affected our credit score negatively, causing us to have a higher interest rate. My husband and I are furious and disgusted with this bank, and need the authorities to stand up to this fraudulent institution.
Consumer complaint received 2018-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CT)

In XXXX 2017 I contacted the my doctor office about any unpaid balance. According to my doctor office I do not owe any balance, all of my bills were cover by my insurance. So, I am not sure what debt I owe?
Consumer complaint received 2017-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TN)

In  XXXX    XXXX   a collection of  XXXX  was added to my credit reports. Company never notified me through mail, phone or email. Debt just appeared on my credit reports. After filing a complaint midwest recovery systems removed collection. However the debt is now back on my report.  XXXX  reporting as open. This is not my debt.
Consumer complaint received 2018-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (IL)

I previously sent two requests for validation of the debt. Never got an answer from Phoenix Financial. I pointed out to them that that they have illegally reaged the Date Opened to avoid Statute of Limitations. The date of my accident was in early XX/XX/XXXX ... they are trying to show a date opened of XX/XX/XXXX when they apparently bought this debt from some other collection collection. I believe that Statute of Limitations for this matter has already expired and the entire amount is no longer collectible and should not be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal.
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

Equifax keeps deleting good and open accounts from my credit report. they have over 5 accounts missing or been deleted for no reason. I have attached the file for these accounts that need to be added.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

Paid off Student Loans through  2  separate electronic payments one for Education Loans and  one  for Private loans. Navient provided me both payment addresses to send my check to. Well they received the check and processed them all on my  Education  loans. Now they are saying that it is my fault because I sent the checks to the wrong addresses. They say it will ta ke 4-6 weeks to refund one of the checks and re allocate to the correct loan. This was 60 days ago. They are now reporting that my  loans are 60 days past due to the credit bureau which has brought my score down by  XXXX  points and still calling me on a daily basis asking for a payment. They told me until the payment is processed correctly my loans are past due and they ca n't remove it from my credit on their end. Paying off my student loans should have made my score go up and should be celebrated, but it 's been a nightmare dealing with Navient. I am thinking about taking legal action.They are fraudulent and criminal.
Consumer complaint received 2017-04-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NJ)

While going through paperwork I found an Automatically Renewable Personal CD that was opened at  XXXX   XXXX   XXXX  Bank in  XXXX , NJ on   XXXX   XXXX   XXXX   XXXX  n the amount of {$4600.00}  XXXX   XXXX  was purchased by  Wachovia and then Wachovia was purchase d by  Wells Fargo Bank. I went to my local Wells Fargo branch  office with the  XXXX  and I was told that the  XXXX  is too old and they have no way of tracking it. I was instructed to go to the state of NJ - Department of Treasury for unclaimed property. ( https :  XXXX   )  NJ has no record of my money.  I then phoned Wells Fargo again. I was informed that they researched and again have no information. Please note, that I have the Original Time Deposit Automatically Renewable Personal CD with   Account Number in my hand. Thank you for any assistance that you can provide.
Consumer complaint received 2018-02-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Bayside Capital Services, LLC (TX)

Bayside Capital keep contacting me about a debt that I know nothing about. They gave me their information but the guy ask me was I'm going to pay it. I replied that I don't have money to give away on a debt that I don't have. They called my phone threatening to serve me. I have the messages on my answering machine and I also have both conversation I had between both guys saved in my phone. Luckily, I record EVERY conversation I have on my cellphone. I explained to them that my attorney has to look into this. The guy went on yelling at my saying I'm scamming these people out of their money. He also said that they will seize 25 % of my earnings. On an account I know nothing about. I work too hard for my money just to give it away so easy. This is the second time this has happened. My next course of action is to get the police involved and file a police report. I'm not going to give up my money to a bunch of scammers. They gave me my daddy 's previous address. We have relocated twice from XXXX XXXX. I do not appreciate these threats. A legal company is not ran like that.
Consumer complaint received 2017-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have mailed a multiple inquiry removal letter on   XXXX   in order to dispute information on all  3  credit reports. in regards the hard inquiries that are being reported on my credit reports. The request i submitted included hard inquiries that are not factual and i recieved the same response for ALL inquiries, which stated all inquiries are factual record of file access. If you believe this was unathorized contact creditor. According to FCRA Rules, F CRA 623 ( B ) ( 2 ) AND 611 ( A ) ( 1 ) it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the cra mist delete disputed informa tion from its files. The fact that i recieved a response 4 days later one can only assume there was no investigation, I am submitting this complaint due to lack of investigation. This is unfair pratices by the credit reporting agencies with no concern for the consumer credit worthiness.     these are the disputed inquiries   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   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    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   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   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Bank