davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-28
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have an XXXX XXXX credit card which I make payments through Bank of America. On Bank of America 's website, they provide the options for customers to make their monthly payments via E-Bill. When setting up my E-Bill, I was presented with XXXX options : Pay the minimum balance, pay Amount Due, pay the Statement Balance, and Other. I selected pay Amount Due and after the XXXX payment was due, I checked my account only to be surprised that only the minimum balance was paid. When I called Bank of America, I was informed that the 'Pay the minimum balance ' and 'pay Amount Due ' are the same thing ( even though the website provides different descriptions for the two options. Bank of America would earn interest on any individuals who thought they paid the amount due and did not check the amount that was paid. This is manipulative and deceiving.
Consumer complaint received 2015-10-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I would like to file a complaint against Bank of America XXXX XXXX Department. With property value dropping below original Mortgage, Bank of America sold my 1st. Mortgage, knowing that I would not be able to refinance nor get a Loan Modifcation once the 1st and 2nd Mortgage was with XXXX different Lenders. In XXXX XXXX Bank of America received my Loans from Countrywide. In XXXX XXXX I applied Loan Modifcation requesting that the XXXX loans be combined. Not only did Bank of America kept losing my documents, and claiming they did not receive them. But they also claimed no correspondence received, it took until XXXX of XXXX, for them to process my loan. They only process the 1st Mortgage and never process the 2nd Mortgage. But sold or Transferred the 1st Mortgage in XXXX XXXX to another Lender. When I tried to reapply for various programs such as " Make Home Affordable, XXXX, Harp '' or to Refinance I was told I do not qualify because my 1st and 2nd has to under the same Lender, when there is not have enough equality in your property. Bank of America being a lending institute was well aware of what would happen once they sold the first Mortgage.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2015-08-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (TX)

my mother was XXXX and chose to recive her pension payment into my checking account. she always told me it was for the preceding month. she died last month and a week later her pension was deposited in my account. i contacted the pension provider and advised them of her death. three weeks later with no notification they electronically debited the amount from my account. this caused extreme hardship in over draft and expenses. i contacted the pension firm and they told me to dispute it with my bank but that will take ten days and still leave me liable for much financial hardship. no one could explain to me why i was not notified of the reclaim of funds after i did my part to contact them for help in a timely manner and my bank is not helping either
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

In XX/XX/XXXX, in the process of obtaining a HARP re-finance mortgage, a banker brought an item from the year XX/XX/XXXX to my attention from XXXX. I do not now nor ever recall an account with XXXX. Therefore, I request the item be removed from my report. As my credit report stands at an XXXX and has resided in that range for the last ten years or more. 
The XXXX item noted on my report reads as shown : XXXX INFORMATION DISPUTED BY CONSUMER ACCOUNT IN DISPUTEDisputed by Consumer CURRENTCreditCardOpenXXXX, Experian
Consumer complaint received 2015-08-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

My husband and I took out a 4 year loan back in XXXX with Benefical. We fell behind early on in our payments. In XXXX roughly we settled the loan. This is still reporting on our credit reports as a negative account. I contacted XXXX today because I disputed it and it came back verified. They told me that Beneficial reported our first late payment in XXXX XXXX so it would come off of the credit report until XXXX. Ive tried contacting the company with no response. This is absolutely obsurd! How could I make my first late payment in XXXX when it was a 4 year loan taken out in XXXX, According to XXXX they re-aged our account in XXXX so it would keep reporting.
Consumer complaint received 2015-04-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

We continually receive recorded phone calls from XXXX XXXX XXXX XXXX at our home phone, about every other day. We do not want to return the call because it sounds like a scam.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

The judgments that are showing on my credit report, were entered by third party and not by XXXX XXXX nor the Court, this third party reporting is against the law and has created an negative impact on my credit score. And is stopping me from succeeding with my life.
Consumer complaint received 2015-06-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (DE)

In XXXX I signed up for a bank account with PNC Bank. My reason for signing up for this account was for the {$300.00} incentive that I would be recieving after completing a few requirements. After signing for my account I called PNC to ensure that I understood the requirements that I needed to meet. During the phone call I was told by the representative that because I work for XXXX I was actually eligible for a {$400.00} incentive and that I only needed {$1000.00} direct deposit instead of {$2000.00}. Once I met the XXXX requirements necessary to recieve my incentive I called back in to PNC and asked them if I comepleted everything that I needed to. The representative that I spoke with let me know that all I needed to do was sign up for the workplace banking and in order for me to do that I needed to go into a PNC branch. I then went into the PNC branch and an advisor sat down with me and signed me up for the workplace banking. I asked him if that was all I needed to do in order to recieve my {$400.00} incentive and he said that I completed the requirements and should recieve my money within 60 days. Sometime around XX/XX/XXXX I called into PNC to discuss my new auto loan with them. While on the phone I asked about when I would recieve my {$400.00} incentive for signing up for the bank account. The representative looked over everything and let me know that I would not be recieving my {$400.00} due to the fact that in order to be eligible for that incentive I needed to recieve an email invite or an invite from a PNC representative for the workplace banking. I let the agent know that I was lead to believe that I would be recieving this money from multiple representatives of PNC and that I do n't understand how I am ineligible all of a sudden. She explained that there was nothing that she could do about the {$400.00}, but that she could sign up for the promotion that would have me recieve a {$300.00} incentive. After that phone call I went in to the PNC branch, again, on XXXX XXXX to see if there was anything that could be done what happened. I spoke with a consultant who told me that there was nothing that could be done about what I was previously told about being eligible to recieve {$400.00}. He then told me that I was not even eligible to recieve the {$300.00} promotion that I was signed up for. The consultant told me that the only incentive I was eligible for was {$200.00}. After discussing my issues and frustrations he just told me that nothing could be done and that this was the best that he could do. A few days I called PNC to ask them when I would be recieving my money and the representative told me that I was not eligible to recieve the {$200.00} or any of the other previous incentives I was signed up for. She said that she needed to contact the PNC branch to further review everything and that I should be recieving a call from the assistant manager by the end of the business day. I still have yet to recieve a phone call.
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I am currently being reviewed for a loan modification with CitiMortgage and have a foreclosure sale date scheduled on XXXX/XXXX/15. Citi is telling me there is not enough time to complete the review and I need help getting the sale date pushed back. Please help.
Consumer complaint received 2015-07-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: CORELOGIC INC (WA)

This complaint is in regards to an XXXX credit report. It involves a credit report inquiry on XXXX XXXX, 2014 in the name of CREDCO/CHASE ACCT RVW. I sent XXXX letters to Credco/CoreLogic asking why my credit was pulled and what XXXX XXXX XXXX Bank represented to them for permissible purpose to pull the credit report. I failed to receive a satisfactory answer and so I emailed Credco/CoreLogic. A representative by the name of XXXX, at XXXX called me. He explained that their relationship with XXXX is automated and they receive nothing in regards to why the report was pulled. I asked what XXXX represented to them that was permissible, and he said nothing, other than he could send me an explanation of what " represented '' actually means, as there are different areas that would cover. I told him that I sent a letter to the address provided by Credco/CoreLogic, for XXXX XXXX XXXX Bank, with an address in XXXX TX. My letter was returned " return to sender '' without explanation. He said it appeared there might be a suite # for the address, but that was cutoff based on what he was looking at in the system. He did give me a contact name of XXXX XXXX and phone # of XXXX. I called the phone # and it is no longer in service. I left a message for XXXX to please investigate further for accurate contact information. I have no clue why XXXX XXXX XXXX Bank would be conducting an account review in 2014. The system of pulling a person 's credit report in this situation, without any permissible criteria or accurate contact information is worrisome. Please investigate both Credco/Corelogic and XXXX XXXX XXXX Bank to get to the bottom of why they pulled my credit report. 

Thank youXXXX XXXX
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Consumer Asset Management (Texas) (AZ)

On XXXX/XXXX/15 I received a phone message from XXXX XXXX to call XXXX about a credit card matter that, if not resolved, would result in a lien placed on my house. I called, she passed me on to the atty, XXXX XXXX @ XXXX. He told me I had a XXXX XXXX in arrears for {$43000.00} and could resolve the matter by paying him {$3000.00} on my credit card. I do n't have a XXXX XXXX. I did not pay him. Instead I told him that I was reporting this call as a scam.
Consumer complaint received 2015-07-27
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc. (VA)

Between the first and last weeks of XXXX, Medical Revenue Service, XXXX XXXX, XXXX, Florida XXXX called my work phone ( XXXX ) from XXXX approximately XXXX times. The specific dates I have noted for this XXXX # are XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX., XXXX XXXX at XXXX and XXXX XXXX at XXXX. However, I deleted the first XXXX or XXXX instances without making a record. In addition I received calls from XXXX also associated with Medical Revenue Service at my work phone on XX/XX/XXXX at XXXX. and XX/XX/XXXX at XXXX. 

In no case did Medical Revenue Service identify their business name, nor the purpose of the calls. I did not actually receive any of the calls because they were either made after business hours or I was not actually in my office to receive calls ( I took off most of XXXX on leave ). 

I have only figured out that these calls came from Medical Revenue Service because on XX/XX/XXXX I received a bill from them dated XX/XX/XXXX. The bill was originally for a date of service at XXXX XXXX Hospital from XX/XX/XXXX. I have called XXXX Hospital Billing, paid the bill, received a confirmation number from XXXX, and XXXX has informed me that they will notify Medical Revenue Service. I have separately filed a complaint against XXXX for never sending me an original bill back in XX/XX/XXXX. I had no idea that monies were owed until I received the collection letter. 

However, I want to file a complaint that Medical Revenue Service did not contact me appropriately. It is my understanding that collection agencies are not supposed to call places of employment. My message on my office phone clearly identifies the phone as a workplace phone.
Consumer complaint received 2015-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

law enforcement systems did not send me a bill for the use of a bridge ( XXXX XXXX bridge ) I have payed once I seen it on my credit report nowthey will not remove it from my credit report what can I do to get this removedXXXX bridge did not have proof that they sent me a invoice they just sendit out with the u s mail and law enforcement systems never sent me a invoiceas well
Consumer complaint received 2015-07-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MN)

My XXXX mortgage with XXXX XXXX XXXX increased {$200.00} last year and now {$500.00} this year. My husband is ill and has been for XXXX years. We have been struggling since this time because he has been unable to work. He does now get social security, however, the medical bills and the mortgage increase has made it impossible for us to keep up. I have been trying to get a loan modification with XXXX and CitiMortgage and the time it takes is ridiculous and having to keep sending the same documents is not right. We are XXXX payments behind with Citi but XXXX payments behind with XXXX now. Please help us keep our home. I work for a mortgage servicing company and we help people all the time no matter what.
Consumer complaint received 2015-10-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (OR)

After 70 years as a business checking customer US Bank closed our account without notice. We operate a small, family run XXXX in XXXX, Oregon. In XXXX, the branch manager informed us that the bank had misplaced our signature cards and they required a new one in order to keep our account in good standing. In reviewing our account, it came to the attention of the bank that we had an ATM on site. US Bank had inquired about ATM activity and asked that we make withdrawals daily when for the last 30+ years we 've been making deposits and withdrawals weekly. It is worth pointing out that our ATM does n't allow deposits. US Bank 's XXXX staff asked us to make cash withdrawals daily instead of weekly. We argued that daily withdrawals do n't fit into our workflow and that we are a low money laundering risk. Upon request, we provided a list of vendors along with a .pdf of our reconciliation paperwork on XXXX XXXX, 2015. In mid XXXX we resubmitted the signature card to the branch, at which time the branch manager informed us that a letter may be sent informing us of our account closure, but to disregard it now that we had everything submitted. The branch manager thought the documentation provided was very clear and precisely what the bank required. On XXXX XXXX, we went and did our deposit and our online bill pay, like normal. On XXXX XXXX, when going in for a change order, we discovered that our payroll account had already been closed and that our other XXXX account were in the process of being closed. US Bank 's XXXX team could not understand the .pdf and neglected to ask for any additional elaboration or clarification. They asked for a spreadsheet which we provided on XXXX XXXX. On XXXX XXXX, we received a check for each of our closed accounts. The branch manager was embarrassed by the actions of his XXXX team and apologized to us. He said he could n't believe this was happening and could n't believe he was suggesting we find another bank. On XXXX XXXX, we established a relationship with XXXX Bank and are now using them as our bank. The actions of US Bank were without warning or merit and were clearly unfair. This feels like a violation of the UDAAP standards. We are a family run business that has a strong history of support in our community. We had bills in transit, were assured that the online bill pay checks were not going to be issued ( but they were issued ), and ended up bouncing several checks since our account was closed without notice or warning. We also have payroll checks that are likely to bounce. We had to reach out to our vendors and employees to explain the situation to them. This is not only embarrassing but it 's a significant reputational risk to our business. We still do n't know the basis of US Bank 's XXXX decision. This is incredibly frustrating.
Consumer complaint received 2015-08-27
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Arbitration Forum (KS)

A company calls me numerous times from several different numbers telling me they are from some division law company. Stating that they will file a lawsuit against me because a complaint has been issued under my Social Security number. Saying criminal justice legal law services. It is usually a different legal law service department that calls me. They are calling on my cell phone and at work. They are calling my kids cell phones also and threating them also.
Consumer complaint received 2015-07-26
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Williams & Fudge, Inc (CA)

I went into default on my private students loans when I was given misinformation from the original debt holder of all my student loans, XXXX. I spoke to a XXXX representative during a period of time that I was filing Chapter XXXX bankruptcy and was told to hold off on all my student loan payment until the bankruptcy was completed. My loan payment included both federal and non-federal loans so that information was correct for my federal loans that transitioned back into repayment without any problems, but incorrect for my non-federal private loans that were sent into default. I did not receive any notice about the default until it was already sent to collection agencies. Once I was aware of the misinformation and resulting default I started to pay XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX, that took over my non-federal loans. I was making monthly money order payments to the collection agencies for over two years, however they did not provide me with receipts of payments. When I requested proof of receipt of payments, XXXX XXXX XXXX , XXXX gave me proof, but XXXX XXXX XXXX , XXXX did not provide me with any information. Since I was not sure they were receiving my money order payments I stopped making the monthly payments since I did not know for sure they were being received and credited properly. XXXX XXXX XXXX, XXXX, did not contact me for six months instead they transferred my debt to Williams and Fudge, Inc. The new collection company is now calling and sending me notices demanding payment. Furthermore, they have added unexplained additional charges added to my original debt.
Consumer complaint received 2015-07-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Javitch, Block & Rathbone LLC (TN)

In XX/XX/XXXX, I had applied for an XXXX XXXX store credit card. I had never used it. In early XX/XX/XXXX, I had lost my wallet at a movie theater. I reported the card as lost/stolen to XXXX XXXX and XXXX XXXX who the card was financed through. I did not want a new card as I was unemployed as of the end of XX/XX/XXXX. 
Apparently at some point, this XXXX XXXX card was converted to a Synchrony bank card and there was a balance after it was reported stolen. I started receiving collection letters from a company called XXXX XXXX XXXX. They stopped collection after I sent a copy of the FTC Identity theft complaint to them and to XXXX. I had assumed everything was settled at that point. Now I am receiving collection letters from a Javitch Block, LLC collecting on the same debt. 
Javitch Block, LLC is not even licensed in the State of Tennessee for debt collection. I have filed complaints regarding this as well.
Consumer complaint received 2015-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit history is rated unfairly. My oldest credit card is 30 years. I have had XXXX inquires XX/XX/XXXX and received a " C '' rating for this. I have XXXX derogatory comment with a notoriously fraudulent company. I have 100 % on time payments for over 30 years, credit utilization of 4 % and available credit of {$50000.00}. My credit score remains at XXXX, and as you know this is too low to receive good credit rates. For some reason there is discrimination against me with the credit reporting company. I am an older American and take my credit rating very seriously.