davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America willfully commit fraud by allowing their attorney XXXX XXXX XXXX XXXX, XXXX, with the XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX to issue an order to auction off property to satisfy a debt by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, knew that XXXX XXXX XXXX does not own the property to be auctioned off by the XXXX County Clerk of Court, to continued the fraud. 

It is illegal to sell a third party 's property to pay off a debt by for someone else. 

Please find attached a copy of the filing # XXXX E-Filed XXXX/XXXX/XXXX by Bank of America to auction off property by XXXX XXXX XXXX. 

The Foreclosure judgement was against XXXX XXXX XXXX, as per the Notice of Auction Sale. There was NO Judgement against the " XXXX XXXX '' The " XXXX XXXX '' was never a party to the foreclosure action Please find attached a copy of the XXXX County Property Appraiser of XXXX, FL., confirming that the property is owned and deeded to the " XXXX XXXX '' The XXXX County Property Appraiser of XXXX XXXX confirms that on XXXX/XXXX/XXXX in Book/Page XXXX a QUITCLAIM deed was executed and transferring ownership to the " XXXX XXXX '' Please find the tax record by the XXXX County Tax Collector , XXXX , FL. , that the property is taxed under the name of the " XXXX XXXX,. XX/XX/XXXX
Consumer complaint received 2015-12-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

I was making some disputes on my credit report. I sent an envelope with various accounts listed on individual papers to Experian on XXXX XXXX, 2015. On XXXX XXXX my former landlord sent me a package that she received from Experian that included the dispute I made against her as well as disputes I submitted for other accounts ( credit cards, collections, medical etc. ). Experian violated my privacy by forwarding personal information including full account numbers to a third party. I was exposed to identity theft due to their carelessness. I have a copy of the entire package that was sent to my former landlord including a photo copy of the envelope it was sent in. My disputes have gone unresolved and now I have this to worry about as well. I am trying to improve my credit but Experian has failed me horribly by exposing me to additional privacy concers
Consumer complaint received 2015-12-14
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Guild Holdings Company (GA)

I WAS CHARGED TWICE FOR AN APPRAISAL THAT WAS ONLY DONE ONCE. MY MORTGAGE COMPANY WAS AWARE FOR THE CHARGES AND I WAS TOLD I'D GET MY MONEY BACK. I HAVE YET TO RECEIVE MY REFUND FOR $XXXX WHICH WAS FOR THE SECOND APPRAISIL CHARGE. NO ONE ANSWERS MY EMAILS OR PHONE CALLS. I HAVE ALL CONVERSATIONS WITH MY MORTGAGE BROKER SAVED IN MY EMAIL WITH HIM ACKNOWLEDGING THE FACT THAT I AM ENTITLED TO A REFUND. GUILD MORTGAGE IS THE COMPANY AND XXXX IS THE BROKER
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was contacted by telephone XXXX XXXX, 2014 to setup a home business with a website to get income from click referrals to the XXXX site. The next day they called and I charged {$10000.00} on my credit cards to them for the following services : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. The charge appeared on my credit cards from XXXX XXXX XXXX, XXXX. Which they said was their financial arm of their company. They then referred me to another company, XXXX XXXX, to get business credit. I had to pay XXXX {$2200.00} for the credit. Therefore XXXX did not provide the business credit the promised. On XXXX XXXX, XXXX I was contacted by them again saying there was a mistake in the charges and they would give me {$500.00} off if I helped them correct it. They wanted me to charge {$9500.00} to XXXX where it should be and tell my credit card company that XXXX XXXX XXXX did not provide any services did not provide any services so the charge would be reversed. I did this and they fought it with the credit card companies in order to get double payment. I was finally successful in getting the original charge reversed. XXXX XXXX XXXX XXXX has {$9500.00} of my money and I did not receive any services for the money. I have contacted credit card companies to remedy the dispute. They simply refuse to even allow me the opportunity to dispute. These companies drag you along until you are outside of your waiting period, guaranteeing you are sure to get your money back in profits. Please ensure that they open an investigation and remedy this situation. There should be an exception made for me as it is fraudulent in nature. I am already in connection with the Attorney General 's office, and they are assisting me on their end. Please help me advise the credit card company that for this purpose allow they should open the investigation.
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: RMK Financial Corp (CA)

Hi, My loan officer submitted our loan to Magestic home loans around XXXX of 2015. Magestic home loans have made number of mistakes on every level of the loan and kept charging us for their mistakes. Their mistakes were as follows. 
1. Our appraisal value came higher than initially expected. Our LTV came down from XXXX % to XXXX %. The underwriter forgot to adjust our LTV. at XXXX % we were getting 4.750 so we floated for almost 1.5 months for rates to come down, finally we decided to lock at 4.750 % the file went to the doc department, Doc department realized that LTV is lower than it should be, which underwriter forgot to adjust. Now our LTV was changed to XXXX % and our rate came down to 4.5 %. Had the underwriter adjusted our LTV we did not have to wait 1.5 months floating. 
2. Our HOA master policy was provided to the underwriter she signed it off along with all other pre doc conditions. Since all conditions were signed off our loan officer locked for 15 days to sign docs and fund. ON THE DAY of the Funding underwriter realizes that she forgot that the master policy did not cover XXXX in walls. Our lock expired, our file went for redraw. we were charged for relock, and redraw fees. 
3. our file was impound, and on the original docs lender requested 3 months reserves. on the redraw docs, for some reason 2 more months of reserves were added. Which means they had miscalculated the reserves on the initial docs as well. Now since reserves came high we decided to not impound the file anymore. we signed redraw docs and were told the file will fund on Monday, the last day of our lock extension. 
4. On Monday on the day of funding and our last day of our lock extension we received news that they can not fun and they will redraw again because the doc drawer forgot to add the price adjustment for taking the file off of impound. Now they have to redraw again, re lock again. 
They are keep making mistakes, and keep charging us for their mistakes. The lender is not bearing any cost of all these mistakes and they are keep passing all the costs to us. We are beyond frustrated. The management or lender is not responding to our email, or to our loan officer 's emails. We get no apology 's no explanation of why we have to pay for their mistakes instead of the lender themselves. We have paid for the appraisal and other if cancel we will bear costs, if we do n't cancel we will pay for host of their mistakes. Please advice.
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Collection Agency : XXXXIs reporting inaccurate collections account on my credit file. I have disputed this account several months ago and they still refuse to remove it from my credit file. The last time I spoke with someone from the collection agency on XXXX/XXXX/15, the lady said that i had to give them 30 days to investigate. Although it had already been 2 months, I decided to wait 30 more days. I called today XXXX/XXXX/15 and the guy that I talked to today acknowledged that it had been more than 30 days since I last spoke with them on ( XXXX/XXXX/15 ) but told me I still had to wait because they still had n't received the info they were waiting on from the original creditor. I told him this inaccurate information is destroying my credit and I have been patient with them for at least 90 days but was still told I had to wait longer and they would call me if they heard anything. My original dispute was in XXXX 2015 and as of today ( XXXX/XXXX/15 ) this inaccurate account is still on my credit report. I am very disappointed because this collection agency still refuses to remove this from my credit file even though they have not been able to validate it.
Consumer complaint received 2015-12-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have had my bank of america credit card ending in XXXX for year and have never been late. Bank of america sent me a letter on XXXX/XXXX/2015 that they are closing my personal account due to an issue with my business account. This has hurt me tremendously as my credit score has suffered due to this matter.
Consumer complaint received 2016-02-10
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (GA)

XXXX XXXX 2016 To Whom It May Concern : Thank you in advance for your time and guidance. My name is XXXX XXXX XXXX XXXX XXXX and I am currently stationed at XXXX XXXX, Georgia. For the last few months, I have made several attempts to rectify a matter concerning the unauthorized use of my signature to obtain a home equity loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$30000.00} while I was XXXX. Upon reviewing my credit report a few months ago, I discovered several items listed in the " collections '' category ; XXXX in particular being XXXX Home Equity Loan Line of Credit, a loan that I did not request nor sign. When I contacted XXXX, I was informed that my former spouse ( XXXX XXXX XXXX XXXX ) had obtained this loan to include signing my name without any proper authorization. Several calls were made to XXXX to resolve this matter during which I was informed that there was a Power of Attorney ( POA ) on file. However, XXXX was unable to produce the POA upon my request. Since this time, the noted defaulted loan has been placed in collections with Green Tree Servicing LLC. I contacted Ditech Financial LLC / Green Tree Servicing LLC to discuss this matter and was later instructed to execute a Quit Claim for the property associated with home equity loan. 
The Quit Claim action was processed in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida in and for XXXX XXXX, a copy of this document was provided to Ditech 's Financial LLC legal department whereas they have negated to remove me as a party in this matter. I am seeking this agency 's assistant with resolving this matter, as there was no legal documentation in place authorizing my former spouse to sign my signature on this loan. Several times I have attempted to speak with the leadership at XXXX concerning the alleged POA they have on file and each attempt has been met with a failed point of contact. Enclosed with this complaint are several supporting documents : XXXX XXXX Property Information, XXXX Borrower 's Promise to Pay Note with my unauthorized signature, XXXX XXXX Notice XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX for identity theft and XXXX credit report XXXX XXXX ). Again, thank you for your time and assistance, please feel free to contact the undersigned if any additional information is needed. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-22
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. (TX)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I made my mortgage payment to  CCO mortgage in XX/XX/2015 for the amount of $XXXX.  This is the correct amount of the monthly payment.  The bank cashed the check for $XXXX short.  I was assessed a late charge for the incorrect amount paid to the bank.  I called the bank and was told that this was a bank error and that this would be corrected and had nothing to be concerned about.  I was also told that since I was such good customer, the problem would be resolved that day.  They also said they would credit the dollar shortage since the bank was at fault.  The following months passed and I continued to receive late charges on my monthly statements.  I called every month and was told that the computer was not updated and that the issue would be resolved.  In XX/XX/2015, I sold the property and noticed that I was assessed a late fee of approximately $XXXX.  I called the mortgage company and was referred to a woman named XXXX. She stated that noone in the company had ever states that this was a bank error and my late fees would not be reversed.  I e-mailed her a copy of the check in question and she did see that it was written for the right amount.  However, she stated that she could not determine if the spelled out amount was written as a XXXX or a XXXX.  Because of this she said the bank cashed the check for the lesser amount and that it was not a bank error.  Therefore, she would not reverse the late charges.  I asked to speak with her supervisior, but was denied that request.  Not only did she admit that the check was written for the correct amount, but her associate also admitted that the check was correct.  They have my late charges form the closing already, but continue to write letters to me  regarding this. They also threaten to report this to the credit bureau.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have been paying my mortgage since 1999, for some reason since XXXX XXXX XXXXXXXX XXXX took over my mortgage loan, my payment history has not been reported to consumer reporting agencies. This matter has been effecting my credit worthiness, I am not able to qualify for best interest rates of a new home mortgage financing, due to this error. Want to mention, that finisher has to provided, maximum possible accuracy to consumers credit report, written by Fear Credit Reporting Act. Please fix this error ASAP. Thank you.
Consumer complaint received 2016-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

On XXXX, XXXX I discovered that incorrect credit Information was reported to Equifax by XXXX XXXX XXXX The information indicated I failed to pay part of a bill and, or missed a payment in XXXX or XXXX in the amount of $ XXXX.The bill is listed as a collection write off on the report. XXXX XXXX was not my provider of telephone service during the time frame that the unpaid bill was from. 
I contacted XXXX XXXX about this, and they said the bill was from when XXXX was my provider of service. I contacted XXXX, and the representative said my account was always in good standing with XXXX and I did not owe them any money. 
Again, I contacted XXXX, and this time they said that the bill was from XXXX, and they will not remove the incorrect information from my credit report. 
On XXXX, XXXX my Equifax credit report was changed to indicate the unpaid bill was from XXXX instead of XXXX or XXXX. I contacted XXXX, and asked for a copy of the bill, I received the attached documents via e-mail. 
I contacted XXXX again and asked for a copy of the bill to be mailed to me. The bill they sent is not like a standard bill that I normally receive. The bill they mailed appears to be a typed up word document like the copy sent to me via e-mail. 
I suspect that my issue has arisen due to problems I had in the past with their telephone service. There were frequent occasions when my telephone would not work for days, and even weeks at a time. I can only speculate that I may have lost my temper while on the phone with a female supervisor who is now seeking vengeance. 
I filed a complaint with Equifax , and Equifax only said that the person in question is me. 
I will be most grateful for any assistance you may offer in getting this untrue information off of my credit report. 
Thanks Again, XXXX
Consumer complaint received 2016-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (AZ)

Central Credit Services is reporting the same debt multiple times on my credit report. I dispute the validity of the debt as they also never had the correct address or phone number until I recently contacted them after viewing my credit report. But without question, they have reported the same debt 3 times on my XXXX Credit Report.
Consumer complaint received 2015-05-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I asked Navy Federal Credit Union to re-imburse me months ago for a few transactions and they never did in these specific amounts. And I was not given a form to fill out. I had to call and file fraud. Now they are saying they could n't refund me the money. 

But now they say that they were supposed to add back $ XXXX to my credit card which now they have n't done. HELP!?
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (VA)

Hello, we have bought house back in XXXX, and our loan has adjustable rate. So the original XXXX had transfer us to Ocwen bank. So month ago Ocwen bank sent a notice that our payment will go {$600.00} higher, on XXXX month. So I went and applied for temporary loan modification, until next XXXX. But they now are solicit us with short sale, that was us plan. They are seeing very week about some short sale. In my option is unlawful and XXXX government should take their license away.. They are using some " dude '' from XXXX that have no idea about our law and country. Please help. We have there kids, please help. 

Thank you
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (AZ)

On or about XXXX XXXX, 2015 ordered a XXXX computer from XXXX, by telephone. XXXX charged on my Chase Visa card {$540.00} for the purchase of the XXXX computer which was to be shipped. Never took possession of the item. Disputed the charge same day I received my XX/XX/XXXX charge statement. On XXXX XXXX, 2015 XXXX sent me an email that they had credited my XXXX account for {$540.00}. I shared the email with Chase in reference to the dispute. Chase advised that it would take two billing cycles to make my dispute credit permanent ( advised this by no fewer than XXXX CSR 's, since they did n't show the credit from XXXX. Two billing cycles have past and Chase now says they have charged XXXX back -date undetermined, but the credit to my account remains as a temporary dispute credit for an indeterminate amount of time. Spoke with a XXXX XXXX, supervisor in disputes, " Dispute Department in XXXX XXXX, TX '', on Monday XXXX XXXX, 2015. XXXX XXXX told me that they must give XXXX ample time to respond, despite XXXX 's email to me and failure to respond to Chase since XXXX XXXX, 2015 and today being XXXX XXXX, 2015. XXXX XXXX refused to allow me to escalate my call, nor to give me a time when this credit will become permanent. He apologized, but said that this would remain open until they deem that XXXX through their merchant banking bank has had ample time to respond, but they apparently have no decision date or will not share it with me. There seems to be no end to the permanent resolution of this matter, and I have been blocked from escalating this matter at Chase. I classify this as lost money until the credit becomes permanent.
Consumer complaint received 2015-12-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

I have XXXX private student loans managed by Navient and I have made student loan repayments to them for over 3 years. Recently, they enrolled me in a special repayment program started from XXXX 2015. Navient & I both mutually agreed $ XXXX monthly payment at 3 % interest to cover the XXXX private student loans mentioned above in order to bring my XXXX student loans into current. I set up auto debit with Navient and they have withdrawn XXXX payments with total of {$1200.00} from my checking account. After withdrawing the first payment on XXXX XXXX, 2015, their staff called me and told me that the previous staff & supervisor did not set up the program correctly, then she cancelled the program and re-enrolled me into another one. A month later, Navient took out another {$630.00} from my checking account on XXXX XXXX, 2015. A few weeks later after second payments withdrawn from my checking account, their another staff called me and told me that the XXXX previous staff did not enroll me into the program correctly, then she cancelled this program and re-enrolled me into another XXXX again. Today XXXX XXXX, 2015, XXXX from Navient called me and told me that the XXXX previous staff ( again ) did not enroll me into this program accurately and the total of {$1200.00} that Navient took out from my checking account did not apply to my qualifying XXXX student loan accounts as initially agreed, resulting the XXXX accounts in delinquent / past due. XXXX told me that she will re-enroll me into another program again... I 'm really frustrated that Navient & their employees have keep calling and telling me that their unqualified staff keep making mistake on my accounts. May I request further investigations on their operations as I believe they are systematically commiting fraud. After over 3 years of making student loan payments to XXXX / Navient, my current balance is almost double original amounts that I got loans from them.