davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (PA)

On XXXX/XXXX/2015, I filed an dispute with Enhanced Recovery Company. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised them that not complying wit the FDCPA will put their company in a bad position with the CFPB. Enhanced Recovery Company. never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I am currently in the process of purchasing a house in New Hampshire, I was told a few months back to try to dispute any inaccurately reported accounts on my credit report to help improve my scores prior to locking in a rate. The on-line dispute section of the major credit agencies was very confusing and difficult to navigate and as a result of my challenges I inadvertently disputed a short sale ( an account that closed in XX/XX/XXXX ) I contacted the credit agencies of my error and that I wanted to retract my dispute but a report from the creditor had already been made. I was told that I needed to contact the creditor and have them correct the " last reported '' as XX/XX/XXXX as the " last reported '' date now shows XX/XX/XXXX. The repercussions of this last reported date is major, what resulted is that when my loan goes to electronic underwriting through XXXX, the software THINKS that since this was report in XX/XX/XXXX that I 'm " CURRENTLY IN FORECLOSE '', and subsequently disapproving my loan. Under the instruction of the credit agency Equifax & XXXX I contacted the creditor XXXX XXXX XXXX to get help to resolve this mistake. XXXX XXXX XXXX was more than willing to help and was understanding of this error. Their credit corrections department called to the highest level at Equifax and XXXX & XXXX and tried to electronically change that " last reported '' date to reflect XX/XX/XXXX, they even went so far as to supply me with a letter that reads " The " last reported date of XX/XX/XXXX is an update that was requested in error. There has been no activity on this loan since it closed in XX/XX/XXXX '' signed by XXXX XXXX Servicing-Office of the President XXXX. Here is what XXXX was told by Equifax " they explained to me that it could n't be removed ( embedded software programming ) ''. I also reached out to Equifax by phone and fax and to XXXX by phone spending hours on hold and explaining my situation to several managers at various levels, ultimately at the end of those calls and faxes, I was told by both Equifax & XXXX despite the creditors letter, their calls, my calls, my faxes, that they are refusing or " unable '' to change that last reported date to XX/XX/XXXX. Without this correction my family of XXXX kids are going to be effectively homeless if this change is not facilitated by the XXXX credit bureaus to reflect the last report date of XX/XX/XXXX. My loan flatly will not be approved without this correction. I am happy to supply the letter from the creditor XXXX XXXX XXXX and provide contact information for XXXX XXXX at XXXX XXXX XXXX. Respectfully, I would ask you please, please help me to get this resolved as quickly as possible.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

Disputed XXXX XXXX and acct shows open date of XX/XX/XXXX.This acct was auto removed from transunion and experian this month.I disputed this item XXXX times in XXXX stating it was an expired acct and that the XXXX deliquency date was also incorrect as well as the acct information and payment history.The results of the dispute says they contacted XXXX who told them they can delete the historical data from the report. So most likely they are deleting the historical data because it is not correct or inaccurate.But for some reason they are still not removing this item from the credit report, nothing verified but still going to keep item on my report while transunion and experian it was automacitically remove in XX/XX/XXXX.
Consumer complaint received 2016-01-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

We refinanced our home on XX/XX/2013 and reduced our payment to {$1400.00} per month. 
But after a couple of.months the lender is sending bills for XXXX. 

They are adding another another item.colled.other fee and collecting un authorised money from us. 
We called the customer care. 
They told me If I am not.paying it they may forclose me. 
I am XXXX and surviving with XXXX small. children
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (NC)

I entered into a 4 month trial mortgage modification in XXXX 2015. At that time I paid a reduce of amount of mortgage until the end of the trial. At the end of the trial I was offered a 40 year mortgage, which I refused. I was told at the time of the modification if I did not choose to permanently modify, my mortgage payment would go back to the original amount. However, I found out a month later that I was charged the difference, which meant I was a month behind in a mortgage payment. I WAS NEVER LATE. Now, I am paying a higher mortgage to make up the difference and they are reporting me late to the credit bureau. It is not FAIR!
Consumer complaint received 2015-06-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Just found out that I 've been paying for years through my Bank of America account for something called XXXX. Called BOA and they say it 's a XXXX party charge. They transferred me and XXXX says my husband signed up for this and they wo n't cancel it. Called BOA back and told them I wanted them to stop the charge from going through anymore and they refused. I apparently have been paying for something that I was unaware of. My money goes into this account, my name is on the account and I ca n't stop them from taking my money.
Consumer complaint received 2016-01-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

Was not notified of a debt owed before placed into collections. They did not send back up documentation of debt owed. Excessive monthly charges, extortion to intimidate if do not settle credit will continue to be damaged and I will not be able to buy a home. If I do pay in full, it will still remain on credit report and lender will not let me buy a home. That it is better to wait the 7 years. They harass me, are rude, degrading in telling me I should of read the lease. That I can call a lawyer but there is still nothing I can do. This is detrimental to me and my family.
Consumer complaint received 2016-01-14
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (MN)

I wish to have your assistance in disputing XXXX charges paid on my statement as " Legal Fees ''. I have since discovered that they ( XXXX XXXX XXXX ) are unlicensed and under FBI investigation for their lack of licensing and unethical conduct. I paid them a total of {$7300.00} on XXXX separate charges XX/XX/2015 {$5900.00} and XX/XX/2015 {$1300.00}. Please see that this charge is reversed they are not who they say they are and are soon to be shut down. I paid them and the services that have not been rendered.
Consumer complaint received 2015-07-21
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

I received a loan from this company Easy Money a few months ago. I ran into some financial difficulties and was not able to pay the loan back. I put the loan under debt plan with a company called XXXX. I mailed copies of my paperworK. That I signed. To easy money they Continue. To call me .I received. A csll today from. XXXX they lady told me why she was calling me end I explained to that i had put them in my debt plan and all my other creditors had stopped calling me. I asked for her email or fax so I could have. The paperwork sent to them she said they do n't receve information. By email or fax. I asked how are they suppose to get the information. To her if she will nod give me the information. To give to them. She stated you do n't. Want. Listen to what I am saying so you have a good day
Consumer complaint received 2015-04-21
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America ( BoA ) suspended my home equity line of credit based on a credit report they received that showed serious delinquencies, amounts past on on accounts, too few accounts currently paid as agreed. When I learned this I requested a credit report from the agency BoA indicated they used. The credit report I received did not show any delinquencies, amounts past due, or accounts not currently paid as agreed. In fact, there was nothing negative in the entire report dating back many years. BoA subsequently reinstated my line of credit. 

I asked BoA to provide me with a copy of the credit report they received from the credit reporting agency on which they made their decision to suspend my account. I explained to BoA that it appeared that the credit agency was providing different information to them than they were to me and that I needed a copy of the report they received in order to confront the credit agency. BoA refused to provide me with a copy of the report and stated that they could not because it would be " against the law '' to do so. 

Is it really against the law for BoA to provide me with a copy of the credit report on me that they used to suspend my account, especially when they understood that that report contained information entirely different that the information the credit agency provide me? 

How can I get BoA to provide me with a copy of the credit report on which they made their decision? 

None of the categories below match really well with these facts so I picked the one that was closest. 

Thanks.
Consumer complaint received 2024-09-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (MO)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XX/XX/XXXX XXXX {$9700.00} XXXX XX/XX/XXXX XXXX {$8000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$7300.00} XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXXXXXX {$4300.00}
Consumer complaint received 2015-06-04
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/XXXX2015 went to the branch in XXXX Ohio to Fifth Third Bank on XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. I made a withdrawal of {$990.00} {$790.00} was the cash amount that I was to get back. And {$200.00} was to be deiposited into my sons account. Later that evening I got a phone call from a cell phone number of XXXX never said who he was or anything. Just said his draw was short and asked if I had the correct amount of cash back? I said yes it was and that I always check. I think that this is harassment on his part. What gives him the right to call me after hour on his cell phone and ask questions?
Consumer complaint received 2016-02-01
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (VA)

In XXXX of 2015 we submitted a request for short sale to US Bank for retired clients that could not afford to continue living in a property in XXXX, VA. Since then we have received numerous calls for documentation which has caused us to have to submit documents over and over while US Bank sat on the file. In XXXX I received a call from the mortgage single point of contact stating the documents are all in and the file will go to the negotiator so we can get a decision on the application. Just last week the home sellers received a letter stating that US Bank needs all new documents since the current ones on fie have expired. This is ridiculous since the employees at US Bank explained that they are having implementing the process for handling distressed properties. It seems this process will continue in perpetuity. We need assistance getting this file to completion
Consumer complaint received 2016-02-02
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

My IRS Tax refund in the amount of # XXXX Was deposited into a US Bank Checking Account # XXXX that does not belong to me. I learned of this through the trace that the Department of Treasury placed. I personally contacted US Bank XXXX XXXX and was informed by XXXX XXXX, Manager that the account number does not match my name or social security number. He added that the deposit is considered a third party check and can only be accepted by the approval of a supervisor since it is a liability. I have been trying to resolve this issue with US Bank and have been unsuccessful.
Consumer complaint received 2015-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (MI)

XXXX ) deducted approx. {$150.00} in excess of the am't to which I had agreed, - WITHOUT ANY NOTICE, oral or written to me. XXXX is XXXX ( at least ) lender in line. XXXX ( Complainant ) has never had any lapse in casualty insurance, or tax, provision ( s ) for the entire life of the loan! XXXX has taken a chge of {$270.00} " owed '' for alleged failure to maintain hazard ins on said prop'ty [ defined as XXXX XXXX personal residence XXXX has provided only dunning letters, giving NO information. XXXX that XXXX is specifically attacking XXXX on the basis of 1 ) XXXX and2 ) XXXX Plaintiff in # XXXX of XXXX " XXXX '' cases. XXXX XXXX hazard ins co. broker faxed proof of continuing coverage on XXXX/XXXX/2015 to XXXX Co.
Consumer complaint received 2015-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (WA)

On Tuesday, XXXX XXXX, 2015, I cancelled my Internet and TV service from XXXX and verified that I had a XXXX balance with the account representative. Indeed, XXXX 's partner ( XXXX ) actually processed a refund for money I was due. However, on XXXX XXXX, 2015, I received a bill collection notice from Convergent Outsourcing ( which may be owned by XXXX ) stating that I owed {$410.00} for non-payment to CenturyLink, even though no notice of any such debt was ever presented to me from CenturyLink. I believe the attempt to collect this non-existent debt is simply XXXX " punishing '' me for choosing a different Internet and phone service provider.
Consumer complaint received 2015-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CA)

The managers at the XXXX raised my rent to {$550.00} while still advertising the same aprtments XXXX bedroom for {$540.00}. I did n't agree to pay her {$550.00} so I did not renew. Now I am being charged {$1100.00} for fraudulent claims. Including that I moved out on the XXXX of XXXX however I have statements from the storage place that I returned the XXXX to. All through email. So there are records showing the lies and deception tactics to rob citizens of our money.
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (AZ)

I was looking online to refinance my mortgage and put my phone number down to get a free quote online, i thought.I was then inundated by calls from companies I did not ask to call me. I spoke to a XXXX XXXX from XXXX XXXX XXXX. I told him I was not interested, but Thank You. Then I get an alert that a company " XXXX XXXX '' pulled my credit for this XXXX XXXX without my permission and no application that i filled out. I called them and asked them to remove this inquiry. They said XXXX XXXX 's company would have to and gave me a number that was disconnected. XXXX. XXXX XXXX number is XXXX. I am coming out of bankruptcy and this really hurts my credit profile.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

This bill is for rent on an apartment I lived in until XX/XX/XXXX. I paid the rent through XX/XX/XXXX. I am being billed for rent for the entire month of XX/XX/XXXX even though I had turned in a 30 day notice and did not live in the apartment during the month of XX/XX/XXXX.
Consumer complaint received 2015-04-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (UT)

I had gotten a few months behind on my wells fargo loan, I originally asked for a forbearance which they said was accepted and would be in place until XXXX 2014. It was never put in place. In XXXX I called and setup automatic payments and a payment to pay my past due balance in full. I never heard anything from Wells Fargo after that until I received a letter stating that my loan was due in full and had defaulted. When I called the lady I spoke with said the person who took my account information for the payment missed a number in the account number so the payments never went through. I was never once notified of this and now I have set up monthly payments with them but they will not offer me any relief. I do n't feel I should have a defaulted loan on my credit report if I did not default it was the lenders mistake, but they said there is nothing they can do to fix it or help me.
Consumer complaint received 2016-02-01
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (AZ)

I have been working with paypal for over a year now and have had no customer complaints or done anything wrong. Yet just recently they have been putting holds on my accounts making me wait for the money to transfer from my customers. I have submitted numerous documents with proof that my items were being delivered yet they still have not taken them into consideration and will not tell me the real reason my account is being limited. Now they have decided to close down my account for life and say that they ca n't reverse the appeal, this is a terrible business practice to continue. No matter who I talk to with Paypal they all blame it on another employee or transfer me to new people on the phone. I want my balance in my account to be transferred immediately without having to wait " 180 days '' which is far too excessive. Actions need to be taken on Paypal immediately for what they have been doing over the years.
Consumer complaint received 2016-01-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (FL)

I am {$30000.00} in student loan debt because I am the last of XXXX children who all went to college. My brothers had to take out student loans for their education and used my parents as co-signors. When my turn came, I was forced to use XXXX loans. Apparently they will not budge about deferment for XXXX XXXX or even helping with repayments, such as lowering payments since I will have a {$0.00} income for the next TWO years! They are not willing to work with me at all even though the early communications I had with " loan counselors '' assured me I would receive a deferment/forbearance. They are n't all on the same page and it is frustrating that I am now one month from departure and have no idea what to do. My monthly allowance from the XXXX XXXX will not cover each month 's payment.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 violated my rights. I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.