davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-17
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America has gravely discriminated against me, delaying Loan Modification for 4 consecutive years. The employees at Bank of America were caught on recording denying the modification based on XXXX and demographics. This unethical and unlawful behavior created a long battle to getting the modification that I was very much qualified for and finally XXXX 2015, the modification was completed. My credit is n't destroyed because of my negligence but because of Bank of America, constant violation of Unfair, Deceptive, or Abusive Acts or Practices and Fair Credit Report Act. I want my Credit to be completely reflecting in good standing with Bank of America. I want ALL delinquencies removed from my credit report immediately. 

On XXXX XXXX, 2015 I met with XXXX in person at Bank of America, and he ensured me this would be repaired, on XXXX XXXX, 2015, I forward over the dispute letter regarding my Credit being corrected and not reflecting any delinquency rating at all from Bank of America. XXXX XXXX received the letter and stating he was working on it. I have called Bank of America thereafter to inquire about my credit, but to receive rude, disrespectful employees and no end results. The law requires my credit to be corrected, if no response from the credit regarding the matter within 30 days. It has been since XXXX XXXX, 2015 my credit is still damage and they are in complete violations of the FDCPA. 

Moreover, they are charging addition fees that they are not entitled too. Recently, received notification, Bank of America, added in {$8000.00}, forecloses fees stating they maintained my property landscaping, utilities and more. The refused to remove those fees, and has started billing despite the evidence I have to show, I maintained my own property that I reside in and paid my own utilities bills. This is fraud/theft by deception. 

I want my credit completely corrected as it relates to my loan number XXXX and I want the extra fees Bank of America has added to my loan removed or I will be suing the company. I refused to speak with them any further, as they added to my health issues but constantly upsetting me. The only way I will speak with Bank of America and that is the CEO himself.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A credit card was obtained using my details but with the SSN changed by one number and when I contacted XXXX I asked them the personal details and they told me that the SSN and it was wrong, they have now reported this as a delinquent payment and this is not my account XXXX Credit CardXX/XX/2015Open - XXXX Days XXXX Missed Payment $ XXXXXXXX % of Credit Limit*Account DetailsLast Reported XX/XX/2015Creditor Name FST PREMIERAccount Type Credit CardAccount Status OpenOpened Date XX/XX/2015Closed Date -- Limit $ XXXXTerm -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status XXXX Days LateWorst Payment Status XXXX Days LateDate of Last Payment XX/XX/2015Amount Past Due $ XXXXTimes 30/60/90 Days Late XXXXRemarks -- Payment History2015 OK OK OK OK OK 30XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX30 30-59 Days LateCredit Utilization* XXXX % Creditor Contact DetailsXXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXXSee something wrong? 
Learn more about how to dispute items on your credit report. 
XXXX XXXX RecommendationsFind a personal loan to consolidate high interest balances. 
Use less of your credit limit by transferring balances to a new card.
Consumer complaint received 2015-12-21
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had a outstanding credit card debt with Capital One. I was contacted by XXXX XXXX XXXX debt collection agency ). I agreed to pay XXXX payments of XXXX to settle the acoustic in full. Upon settlement I was to receive a release from debt letter and upon settlement a deletion letter to credit bureau. As if account never existed. No adverse credit on report. Over XXXX years later after I paid in good faith. Still on credit report terms of settlement not followed as promised. Contacted Capital One and XXXX to no results
Consumer complaint received 2016-01-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

The account has been open since XXXX. It has been in good standing with no issues. Payment has always been made on time, and well over the minimum payment due. 
In XXXX I traveled the world and did not have a steady mailing address. My credit cards are all set on auto pay, however XXXX never activated the auto pay and I had many issues with this. If my payment was due I would typically pay online, or over the phone. In XXXX XXXX I never received notice that I had an outstanding bill due. Finally, well after the payment was due and after I was reported to the credit bureau I received notice that I had a payment due. The minimum payment was for about {$120.00}, to show good faith and make sure they knew I was not trying to dodge my bills I paid {$1000.00}. I was told my account was in good standing an no further issues.
Consumer complaint received 2015-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am disputing Capitol One 's report regarding the delinquency of my platinum XXXX account. I request investigation because : 1 ) The terms of my credit account and debt with Capitol One are incorrect ; 2 ) Capitol One 's report as to my payment performance and conduct on the account is incorrect ; and 3 ) Capitol One 's report as to my payment relationship with that entity, especially regarding creditworthiness, is incorrect. 
This is my XXXX and only Capitol One account. This account was opened on XXXX XXXX, 2015. I set up monthly recurring auto-debit payments for the full balance of each statement on XXXX XXXX, 2015, prior to the first statement due date, XXXX XXXX, 2015. All auto-debit payments were to be transacted on the XXXX of each month. On XXXX XXXX, 2015, I received a confirmation email from Capitol One than an auto-debit payment was scheduled for XXXX XXXX, 2015. On XXXX XXXX, 2015, I received another confirmation email from Capitol One than an auto-debit payment was scheduled for XXXX XXXX, 2015, for the balance due on my second statement. On XXXX XXXX, 2015, I received a notice that the XXXX XXXX, 2015, payment had not been auto-debited by Capitol One. I received no similar notice regarding the XXXX XXXX, 2015, payment. However, when I called Capitol One the same day that I received the first notice ( on XXXX XXXX, 2015 ), I was then notified that the XXXX XXXX, 2015, transaction had not been auto-debited either. I paid the entire balance on the account immediately over the phone. The failure of Capitol One to successfully auto-debit XXXX statements pursuant to our agreement should not be reported as a delinquency on my part. I relied on their confirmation emails that the payments were to be transacted as scheduled on XXXX XXXX XXXX and XXXX XXXX. Capitol One failed to notify me that they had not completed these auto-debit transactions as agreed and confirmed until XXXX XXXX. Furthermore, this report is incorrect because this account is not delinquent and is paid in full. I request investigation as to Capitol One 's reporting regarding the timeliness of my payments, Capitol One 's failure to auto-debit per our agreement and to notify me of the same until XXXX XXXX, 2015, and Capitol One 's report of my overall payment history and creditworthiness.
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (VA)

YOu still have not read the court order that You MUST delete the Bankruptcy in the state of VA ARE you reading????? 

I address the inquires and TOLD YOU AGAIN THE COMPANIES DO NOT RESPOND!!! WHEN THEY DO RESPOND THEY TELL ME THE SAME THINGS YOU DO. YOU POINT THE FINGER AT THEM THEY POINT IT AT YOU. NOTHING GETS DELETED!!!!! i NEED THIS SOLVED!!!!!! 

this IS NOT SOLVED I GET THE SAME XXXX ALL THE TIME. THIS IS why YOU GUYS GET SUITED. DO IT HAVE TO DO THE SAME???? 


i give you everything you ask for!!!!!!! and I still verified!!!! if you have a problem contact the companies that accessed your report. I have done that and they go who are you again??? send us more info!!! send us your picture id done that. send us your diver ID done that, we can find you contact the the credit report agency they placed the inquire on your report not our problem. I ask them remove it .... we ca n't find any record of you ... contact the credit report agency. i do that and you go verified!!!!! 


I need this deleted this is why need people to see this so many poepl have the same problems From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. 
The credit Bureau will not correct my address I have sent over 10 letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. 
I have sent over 10 letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. 
By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. 
The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. 
This is what needs to be done 6. 
a. remove all fraud alters 7. 
b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. 
c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report I called and the woman on the phone at your credit agency did not believe i was who I said i was but told me to call.!!!!!!!!! 

I need this resolved!!!!!!!!!!
Consumer complaint received 2016-01-06
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN PACIFIC MORTGAGE (CA)

We contacted a gentleman by the name of XXXX XXXX who works with American Pacific Mortgage about a VA loan to purchase a house. The escrow was originally set to close at the end of XXXX XXXX. It was then pushed back to XXXX XXXX because we had a short sale on our prior home XXXX of XXXX and for the VA loan it had to be 2 years. That was all fine but then the escrow date moved to XXXX XXXX, XXXX according to XXXX " just to make sure we can make the deadline. '' XXXX XXXX rolls around and we find out that XXXX had not ordered a termite inspection which is mandatory with a VA loan. Our agent called an inspector who was gracious enough to make us a priority and come out the same day. Escrow finally closed on XXXX XXXX with no help from XXXX but by the assistance of our realtor and his mother. When we went to sign the last of the loan docs and the statement said we would be receiving over {$2400.00} back in the form of a check and we questioned that since we had only put down {$1000.00} in good faith. When we got the check for {$2000.00}, we again questioned our escrow agent and she informed us that the mortgage company had given us a credit and this was how they were accounting for it. Just after XXXX, I received a call from XXXX saying that and internal audit had been done ( again, later in the process than normal ) and we had to return the extra money and he would e-mail me with details on how to do that. He never did. I did get a call from our escrow company saything that they had heard from American Pacific Mortgage about the extra money but she said she told them that she could not be sure if we still even had the money. She never mentioned bringing her a check. On XXXX/XXXX/XXXX, I received an e-mail from XXXX as a " follow-up '' about the Overpayment and he said that the VA was aksing for it and the escrow company said they did not have a check. I replied that he never e-mailed me to give me direction on what was to happen. He responded that the escrow office said they called me and that the check was to be returned to them. Thereby, in my option, blaming the escrow company for not informing me when he said he would. I did give a check to the escrow company in the amount of {$1000.00} that this morning, XXXX/XXXX/XXXX. It seems to me, that the mortgage company and XXXX XXXX should have been on top of this situation and not put us in the position of having to return money we questioned not once but 2 times. Buying a house is a stressful enough process without the loan officer forgetting things and then the loan company making a huge mistake. On top of that, founding out that we are responsible to return money the mortage company give us. This is just a poor way to do business.
Consumer complaint received 2016-01-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My bank changed policies with out prior notification in how deposits would be handled. I contacted the financial institution and was promised up and down that I would have access to the money that was deposited. After speaking with XXXX different reps and one of those included a senior executive XXXX supervisor all the information was different and still no resolve. With the senior rep the conversation came to a point where she said that they do n't care and are not able to help or willing to help. When the conversation became heated she hung up the phone. Now I like like to point out that rather then her trying to resolve the situation and giving viable information she escalated the call and then disconnected it. I requested for a manager call back and they called but urging the time frame that I spacifically told them I would not be available. Then the manager left voicemail statement my that I could call them back and deal with the resolutions department. Not what I was looking for.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I feel like I 've been a victim of identity theft and contacted the credit bureaus right away. I explained that I contacted the creditor and XXXX told me that this account belongs to someone else with a different address. So I did everything that the Experian representative told me so that these accounts would come off. I checked almost every other day to see if anything has been done ; to my surprise, not even a dispute was placed on any accounts that we 've discussed. Then I was informed about your agency who keeps everyone in check. I am really hoping that these kind of business is not tolerated as we know that a lot of things depend on credit rating. We can not afford to have a XXXX bureau just because they can do whatever they want or not do what ever they do n't want even if its the right thing to do.
Consumer complaint received 2015-06-02
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. (MD)

About a year ago I had a debt collector convergent try to collect a debt for XXXX in which I still have XXXX I disputed this with all XXXX credit bureaus and they removed it form my credit report they are saying I owe XXXX I do n't owe this money I never miss any payments for XXXX and I still have XXXX as of today
Consumer complaint received 2016-01-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (PA)

Was paying to much for a XXXX XXXX ( {$660.00} ). They reposed the car and sold it for {$16000.00} ) and I do n't think I should owe them anything for as much as I was paying a month, I believe they could have gotten the {$9500.00} that they want me to pay now. Ally Financial harassed me at my job and when I would call them they would speak to me very harshly. They would call my place of employment 2 to 4 times on some days every week. I want this bill removed from my credit report and a paid in full credit.
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed a collection account that is still showing as an " open account '' ithis s account was discharged in my bankruptcy XX/XX/2015. I called the collection co. in question after viewing my trans union credit report. i was told by the collection co. rep " XXXX XXXX '' that the account is being reported correctly. spoke to attorney XXXX XXXX and was told they have to update and report the account correct.
Consumer complaint received 2016-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (MD)

XX/XX/XXXX I was informed that I owed a balance of {$150.00} to Southwest Credit Systems L.P. in regards to a debt owed to XXXX XXXX. I had closed the account with XXXX XX/XX/XXXX with all balances paid. I requested that Southwest and XXXX provide verification of the debt and any fees added to the balance, but both companies have failed to respond in a timely manner. I submitted my first request for verification XX/XX/XXXX with follow-up letters XX/XX/XXXX and XX/XX/XXXX. I spoke to a XXXX agent via online chat and they informed me that I owed the debt, but could not provide verification of the debt.
Consumer complaint received 2016-02-12
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP (MN)

My name is XXXX XXXX and we have a first and second mortgage with US Bank. Due a business venture that did n't pan out, we eventually had to file a chapter XXXX bankruptcy with a discharge date of XXXX XXXX, XXXX. 
We were able to get our first mortgage modified after a 3 month pre-trial period in XXXX. The second mortgage was supposed to be modified along with the first but was eventually denied for reasons unknown. 
We decided recently to apply for again for assistance on the second mortgage modification in XXXX of XXXX, and were eventually granted a 3 month pre-trial that finished in XXXX XXXX. Since then however, no permanent modification has been presented even though we continue to make payments for the pre-trial amount. Foreclosure sale dates have been pushed back numerous times as well as this lingers in review. My relationship manager continues to say she is waiting to hear from her supervisor whom is waiting to hear from management on the status of the modification paperwork. We are hoping to have this holding pattern cease and the permanent modification plan to be presented so that we can get this loan fully back on track.
Consumer complaint received 2015-11-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2014 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2015-12-26
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

My name is XXXX XXXX XXXX. I am an XXXX military XXXX. In XX/XX/XXXX, while I was stationed at XXXX XXXX XXXX XXXX, XXXX, XXXX, I purchased my first home in my career. It was financed by Country Wide Home Loan, which was later taken over by Bank of America. Everything was going fine and I had no issues with monthly mortgages until I was notified I will be reassigned to Overseas military base in XXXX in XX/XX/XXXX. I was n't expecting to move so quickly after I purchased my first home, but military needed a person who spoke Fluent XXXX Language at XXXX XXXX XXXX, and I was selected to go. I tried for 6 months to sell the house, but could n't find a buyer. I was willing to take $ XXXX loss, but still did n't get any offer. As soon as I arrived in XXXX, I lost my XXXX allowance because I had to live on base housing. Since I no longer was receiving monthly housing allowance, I asked Country wide and Bank of America to refinance my loan. I just could n't pay {$2300.00} monthly mortgages when XXXX allowance was stopped and requested Country Wideif I could pay {$1500.00} dollars monthly instead. My offer was rejected. Within 20 months my house was foreclosed XX/XX/XXXX. My questions to CFPB is : Are there military clauses which should have protected me when reassigned to XXXX military installations. Also is there any way to verify Country Wide and Bank of America Foreclosed my home properly.
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I have written to all XXXX credit report agencies and to XXXX XXXX over 90 days ago regarding a credit card issued by them that is currently been reported on my credit report. I am still waiting to get a respond from them. I need this to be removed from my report because of the negative impact it is having on my report. In my letter to XXXX I asked them to provide me with a proof that I open this account. I have not receive a respond from them. I need this item to be removed from my report.
Consumer complaint received 2015-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I requested to have my loan re-reviewed for a modification with the new information I have provided on XXXX XXXX, 2015. I was told on XXXX XXXX, that my loan would need to be placed on the system for re-review. It has been over 30 days and I have not received a phone call or any correspondence regarding my request.