davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I am a housing and credit XXXX with XXXX, XXXX XXXX. I am assisting XXXX XXXX in working on his delinquentmortgage. It began with XXXX, XXXX and XXXX then transferred'to Bank of America XXXX XXXX XXXX XXXX This is an FHA loan and itoriginated with XXXX, XXXX and XXXX. Over the past 9 yearsXXXX. XXXX has sought legal assistance on helping him with thisdelinquent mortgage. He has not made a mortgage payment duringthis time but not from lack of trying. He has spent much money onattorney fees in trying to get different options on his FHA loan. 

In XXXX 2014, XXXX XXXX signed deed in lieu documents with Bank ofAmerica. This year, he received his cancellation of debt from Bank ofAmerica from XXXX XXXX, 2014. 

Unfortunately, in XXXX 2014, servicing switched to XXXX XXXX. 
The Deed In Lieu had never been recorded. His FHA case number isstill open. 

This is stopping XXXX XXXX from obtaining future loans - from the openFHA case number. He 's been working towards resolution and finallydecided on the Deed In Lieu and it still has not been recorded. Theproperty is still in his name. XXXX XXXX is going to try to get XXXX XXXX to cancel the " cancellation '' thus again starting the countdown on closing out the FHA case number and further financingfor XXXX XXXX. 
The resolution is not helping XXXX XXXX and his family of XXXX find affordablehousing. He is renting but has cleaned up his credit report and wants tobuy a house again. Long story. BUT the loan is still NOT out of hisname and the house that he moved out of in XXXX 2014 is still in hisname. Just does n't seem right.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2015-12-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I would like to know, where and who do I need to get in contact with to try and settle a charge off on my account. The Credit card company is telling me its the collection agency and the collection agency is telling me the credit card company that can update and remove the negative report when it 's paid.. 
Please help me with who and where I need to go.
Consumer complaint received 2015-12-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Debt Mediation, Inc. (GA)

I countersued XXXX in state court. I had already vacated the premises due to unihabitable conditions, XXXX rat infestation ) and they wanted rent money and fees for that one month and readying the apartment ( carpet fee etc ) they also kept my deposit. However, the judge stated that I did not owe them any more monies, not for rent, carpet fee, readying the apartment etc. However, XXXX put the debt on my credit report and sold it. I then told the debt collector that I had a case disposition stating that I did not owe. They did not remove the debt from my credit report. I recently faxed over a copy and it was still not taken off my credit report. They insisted that I owed the debt despite a court order stating that I did not. 
The company is Professional Debt XXXX. XXXX XXXX XXXX FL XXXX, XXXX, FL XXXX. The representative is XXXX XXXX.
Consumer complaint received 2015-12-07
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NVR INC. (VA)

My husband is in the XXXX and recently found out that due to military cutbacks, he will lose his job this summer. Knowing this, we contacted XXXX ( XX/XX/XXXX ) to let them know we would n't be able to purchase their home. The VP of XXXX said we were under contract and since he had a job now, we had to purchase the home. I explained to him ... as per our purchase agreement, I had to proceed with good faith and let NVR Mortgage know that our financial situation had changed. He said I did n't have to let the lender know because my husband was currently employed and that I had to close on the home. But I had a legal responsibility to let the lender know as well as a financial responsibility to our family not to incur a mortgage debt knowing we had no means to pay for it. I contacted NVR Mortgage to let them know of the situation. The NVR Senior Processor asked for a letter from my husband 's place of employment that verified his last day of work ( XX/XX/XXXX ). I provided this letter to her via email attachment on XX/XX/XXXX. Since then, neither the NVR Senior Processor nor anyone at XXXX has returned our phone calls or emails. I called other mortgage companies to make sure we were following the correct procedures. We were told that based on my husband 's employment ending this summer, we would not qualify for a loan and the lender should have provided us with a denial letter. The denial letter would then go to the builder so we could get our deposit back. We are so heartbroken over this situation. The military cutbacks are a hard reality to deal with alone. But now this lender is ignoring us because they work for the builder. Your help would be greatly appreciated. What can we do?
Consumer complaint received 2015-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NJ)

On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on XXXX others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was serving XXXX years in XXXX when this collection was put on my credit report. So this is ID Fraud
Consumer complaint received 2016-02-24
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I logged on to my bank checking account this morning and found a miscellaneous pending charge. When I called the bank to find out what this charge was, they claim it is a check that was submitted and since my account went negative that it was it was pending to see if would be paid or returned. Huntington has my account set up to pay any overdrafts and then I have the 24 hour grace to put funds into the account before I would be charged a fee. Huntington said they could not tell me who this charge was from and that this was a new policy that was implemented this week. I told them that I did not write a check for this amount and I needed to know who was trying to take the money out of my account and they refused to tell me.
Consumer complaint received 2015-12-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

the original creditor illegally keeps XXXX sets of books and applies the payments to the wrong books. the debt collector needs to provide a complete accounting of both sets of books showing I had an overall positive balance with them at ALL points in time.
Consumer complaint received 2015-12-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for housing a car ), which was highly embarrassing and has negatively impacted my lifestyle. 
( optional ) With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed as soon as possible. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX Account /cell number XXXX delete the above information as quickly as possible. 
Sincerely, XXXX XXXXYour NameSSN # ***********
Consumer complaint received 2015-12-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent Trans union a dispute letter via the United States Postal Service certified mail that they received on XXXX XXXX, 2015. requesting they investigate the attached listed items. I did not receive the results of this dispute until 2 months later ( that is dated for XXXX/XXXX/2015 which is 59 days after they received my dispute ) and was mailed out 1 month later on XXXX XXXX, 2015, which I received on XXXX XXXX, 2015 ( please see post mark on envelope ) which is 90 days pass the date they received my dispute.
Consumer complaint received 2015-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I noticed that erroneous data was placed on my account that did not belong to me. I called the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX admitted that the data was entered in error. He suggested that I talk to the Collection Agency ( XXXX ) ( file # XXXX XXXX and XXXX. XXXX. She indicated that she was not able to remove the erroneous data from my record. I then contacted TransUnion and XXXX and disputed the erroneous data. XXXX sent me a copy of my credit account and indicate that the account is scheduled to continue on record until XX/XX/XXXX. They have not, as of this date, removed the erroneous data. Each individual I talked with I begged that they remove the erroneous data as I am a XXXX student and I have been offered a XXXX position XXXX. However, this erroneous information has the potential to cause my employer to withdraw the offer. I stressed that this information may ruin my career XXXX before I even get started. I know that the credit reporting agencies ( transunion, XXXX, XXXX ) did not check the complete name, date of birth, and social security number before they entered this erroneous data on my record. I have never been treated in an emergency room in the United States in my life. I beg you to advocate and file this complaint on my behalf against all of the aforementioned credit reporting agencies as I am convinced that they do not care that they have entered erroneous data on my record. In addition, I feel that the aforementioned agencies do not care how this erroneous data will affect my life, including future employment. 
I graduate in XX/XX/XXXX and I do n't have money for an attorney, but I will be forced to ask my XXXX surviving parent to hire an attorney if this agency can not help me. You are my last hope to resolve this injustice.
Consumer complaint received 2015-08-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SACOR FINANCIAL, INC (NJ)

Sacor Financial XXXX Inc has taken over the debt that I owed to a credit card. They take {$300.00} from my bank account on a monthly basis. I have asked if there is interest and do not get clear information. I have asked for a statement and was told that is not there practice. They only send me a reminder letter on a monthly basis reminding me they are withdrawing {$300.00} from my bank account. I have asked how I can keep track of the balance re : my payments and interest. They informed me they are under no obligation to do this and it is not their practice. They are not " set up to do that. I have called and emailed numerous times and XXXX XXXX XXXX - the only person who can help me is always out of the office. I have not actually spoken to him in XXXX months. I am not disputing that I owe money - I am asking for verification as to my balance on a monthly basis.
Consumer complaint received 2015-08-10
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings (IL)

I have dealt with this company before. My paydays are on Thursdays. This is the date that I want it taken out. When I signed up for this loan they did not tell me they were going to take it out on Mondays till after I got the money. Now I am charged banking fees on top of the loan fees. 
Bank of XXXX, XXXX IL. charges XXXX for each charge that is in the negative I called them an told them this and they refuse to move the date
Consumer complaint received 2015-12-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (PA)

I received A letter that my account had been turned over to I.C. Systems. I believe this collection attempt is in error, as it refers to a XXXX account that was closed in XXXX 2015. After the account was closed, I contacted XXXX after receiving a bill, and they informed me that their billing had simply not caught up to their emails, and that I owed nothing on the account. 
I attempted to contact IC System via their website and the phone number listed on their letter, but the website does not exist, and the phone number rang once and held.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMERICAN EXPRESS XXXX
Consumer complaint received 2015-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (TX)

On XXXX XXXX, XX/XX/2015 I filed a complaint with CFBP ( Claim No. XXXX ) against Enhanced Recovery XXXX and another XXXX on XXXX XXXX, XX/XX/2015 ( Claim No. XXXX ) Which claim to collect a debt for XXXX XXXX CompanyAfter contacting XXXX parties and requesting for additional related documentation materials associated with this account from XXXX XXXX that would help to substantiate such claim XXXX parties have failed to provide me with the documentation til this date. I have request the following Documents such as ; Billing Statements, Payment History, Contract agreements and have never received them. In order to resolve this issue Enhanced Recovery XXXX made the following statement in their last response to CFPB : In an effort to resolve XXXX XXXX ' concerns, our agency has submitted a deletion request with all credit reporting agencies associated with the account and our office on XXXX XXXX, XX/XX/2015. Please allow up to 30 days for the credit reporting agencies to process our request. Our agency will have no further contact with XXXX XXXX regarding this account. In order to make our client aware of XXXX XXXX ' concerns, our agency will forward this complaint to our client XXXX XXXX. 

Since that time Enhanced Recovery XXXX have Submitted the deletion request to the following Credit Bureau 's ; XXXX and XXXX but have failed to submit the request to XXXX and the negative Collection account still remains on my credit file with this Bureau. 

Enhanced Recovery XXXX needs to follow through with their promises and also request the deletion with Experain as well.This account does not belongs to me. I have not, and never have had an account with XXXX XXXX Company
Consumer complaint received 2015-12-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (MO)

My daughter and I borrowed money from Sallie Mae to cover tuition for XXXX semesters at the University XXXX. The checks were written to the University and endorsed by my daughter. XXXX of these loans are now being handled by XXXX, which I do n't totally understand. We are trying to consolidate these loans and hopefully negotiate a lower interest rate. There are institutions that are willing to help but claim that if the loans do not show up in the XXXX XXXX XXXX XXXX ( XXXX ) they can not help us. I do not understand how money that was borrowed from the Federal Government and used strictly for tuition is not considered a Federal Student Loan.
Consumer complaint received 2015-12-06
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (MA)

I am very mad due to me application for the PayPal mastercard with synchrony bank being declined due to not verifying identity when I did verify my identity SUCCESFULLY ( exact word of the customer service rep doing the verification ) With them the day I applied and now I receive a letter in the mail saying I was declined for not being able to verify identity. 

When I call now I am getting different answers and no one has any clue what I 'm talking about I have already taken a hard credit inquiry for the application and should have been approved but because they ca n't figure out how to verify my identity and have very many untrained customer service agents that will not assist. 

I have tried speaking to manager and am being told that someone messed up on the verification process but they ca n't fix there mistake so I 'm the one that has to deal with it.
Consumer complaint received 2015-12-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: DISCOVER BANK (GA)

i told discover card years ago that i couldnt pay their high payments anymore on social security. they pursued took me to court XXXX/XXXX/XXXXi called XXXX when i got court papers and they said just go alone as on ss with credit card dont have pay. so i replied to court with the fact i couldnt pay debt but court went against me and slapped public judgement on my credit report that just came up. i dont have funds pay {$4600.00}. been waiting out 3yr term from former foreclosure to buy house XX/XX/XXXX but this puts Big dent hindering that. how can you HELP?
Consumer complaint received 2015-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

PNC is servicing my mortgage. I filed for bankruptcy in 2012. Chapter XXXX. It was stated in the bankruptcy that I was going to sell the house on a short sale because I could not afford it and I would be moving to a more affordable area. Four months after I filed, I sold the house. It was XXXX at the time. The buyer was paying cash so there was no question of funding. PNC gave us the run around for a year. They never approved nor denied the short sale. They just kept asking for new paperwork. They always had a different contact and would always lose the paperwork. We asked to speak to the actual holder of the loan and pnc refused to give the information. After a year the buyers finally had to back out. There was no end in sight. I have since found out that the original lender was never even told about the pending sale. I asked the realtor why this was happening. He said that PNC gets money from the government for each month the short sale is pending. I had to wait till the value of my house went up enough so it would n't be a short sale. In addition PNC HAS REFUSED to acknowledge the bankruptcy. Refusing the lower payments set forth by the bankruptcy court. I am currently in closing on a second sale of the house. This should not be a short sale. They said it would take 10 days to get me a payoff amount. I 'm worried that it will be incorrect. They are basing what I owe and penalties on the original full payments. I feel this is wrong. If they had not DELIBERATELY held up the sale of my house I would not have incurred these additional charges and penalties. I also feel like all of the money they received from the government for holding up the sale should be credited back to my account. I do n't know what to do. I do know that my realtors have had several of the same issues with PNC with other short sales. It took them 7 mos to give us a single point of contact. And 8 mos to send out and appraiser. Please let me know what I can do. I know the payoff amout they are going to give will be wrong. Do I have any recourse to get this fixed after the loan has been paid off? These people are so incompetent they scare me.
Consumer complaint received 2015-12-08
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: UMPQUA HOLDINGS CORPORATION (CA)

last year I applied for a loan with Umpqua bank ( actually sent a complaint to CFPB on the loan officer last year ) and rescinded the loan the day after I signed since it was not the terms I was told it was. 
Recently my husband and I decided to do a refinance and found out that Umpqua bank recorded a XXXX on my home. As you can imagine I was so upset. I have been dealing with them for the past week, and they are trying to fix it however has not happened yet. 
That is illegal and should not have happened.