davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Good Day, I am hoping someone may be able to help me with this file I am working with XXXX XXXX in the XXXX w BOA ... she has been great to work with but I think we have run into an issue with the value and the new investor that has taken over as of approx. XXXX XXXX 2016. 
I had been countered at XXXX back on XXXX XXXX ... .I received an email XXXX XXXX there was a new counter per the new investor and they were looking for an additional XXXX dollars from the buyer and or agents. 

There is an appraisal performed from BOA and or the investor and this came in at XXXX in XXXX 2016. I also have a copy of this appraisal and a valuation letter from BOA that was used for the counter the buyer accepted. I feel the investor is taking advantage of a situation were there is no value and this was confirmed by both the BOA Appraisal and the buyers lender. I have explained to the bank if the investor is looking for a higher net or value the house needs to be rehabbed as houses selling for more money are rehabbed and in better condition. The buyers are first time buyers, they are a young couple w a small child and they made a fair and honest offer based on XXXX. They did make an attempt to locate funds from family but were advised it is not smart to overpay for something were the value is not there ... they would need to increase their offer from XXXX to $ XXXX and this is with slim closing costs the bank is paying. The loan is done and all they need is an approval and we can go to docs.. 
The agent is very upset as we had been given a counter based the valuation performed and we also have an appraisal also at XXXX from the buyers lender. 
My concern is any other buyer coming in will also run into the same issue and the value and or appraisal will be an issue. 
I am hoping you can help me..Thank you XXXX Attachments
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Bread Financial Holdings, Inc. (WI)

On XXXX XXXX, XXXX received a call and voicemail from XXXX regarding an urgent matter that has escalated to her desk. XXXX requested a call from either myself or my attorney. At no time, did XXXX state the reason for the call. Upon returning the call on XXXX/XXXX/XXXX, another representative informed that the call was regarding a credit card. Although, she was not certain why XXXX was calling as the account is current and there is no balance due. 

The issues I have with the customer service practices are the following : 1. the person never identified the company she was calling about 2. the person left a very misleading and vague voicemail 3. the person never left the intent of the voicemail ... is it a lawsuit, debt collection, or something unrelated to financials. Just a urgent matter I also spoke with a member of leadership, XXXX, during that conversion I was informed that her company changes scripts frequently to accommodate the frequent law changes. XXXX proceeded to inform me that it is not needed for her company to identify themselves when attempting to collect a debt. Upon question this statement, XXXX then stated it is suggested that a representative state who they are calling on behalf of but not required by law
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I purchased items on My Macys credit card. I returned XXXX of the times. 
No credit was given, until I called. Then they gave me store credit. Which I didnot want, or request. I wanted to credit to be returned to the card as I had purchased it. Deceptive selling practices. Pretty much had I not called them. They would of charged me the extra {$64.00} ( on the items I returned ) plus interest. NOt cool. 
They offered me " a credit '' to use in the store in 7-10 days..just ridiculous. 
Then had to argue with their out of the country representaives about making it right.
Consumer complaint received 2016-05-03
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Weltman, Weinberg & Reis Co., L.P.A. (CA)

A letter was sent to this company on XXXX XXXX requesting validation of this debt and to request all further contact be via mail only. 

A letter was sent by me and by my husband who was a co-signer on this loan. Delivery for both letter was confirmed on XXXX XXXX ( can provide tracking numbers ) My husband has received XXXX documents from them that do not apply to the debt they are collecting and has someone else 's social security numbers on them so I know this letter has been received. However they have not responded to my letter. 

They have continued to call my house, my husband 's place of employment and my cell phone number listed above. The last voicemail left on my cell phone was XXXX/XXXX/2016 at XXXX. The last call to my house was XXXX/XXXX/2016 at XXXX. 

My husband has asked them when they have called him at work not to contact him and they have continued to do so. This is a company with no respect of the law trying to collect a debt that has been passed through at least XXXX different collection agencies none of which can provide proof of debt or proof that they have the master promissory note.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the fair credit Reporting act XXXX XXXX and XXXXXXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY ()

I bought a food processor with my XXXX American Express card in XX/XX/2015. I immediately paid the amount off and have made no further purchases. However they have put this item on a credit plan instalment and are charging interest each month. I rang and said this was ridiculous and I want to cancel my card which I was told was done. Then I get a statement saying I owe money for the interest payments. I rang them and said I have cancelled this card and never agreed to this payment plan and the item was paid off 2 years ago but was told this time I owed money ( although the top of the page says I am in credit ). I said fine send an account for this outstanding amount. Instead they have sent another statement with again interest being owed on an item paid for 2 years ago on a credit plan I never agreed to. I am wondering how long I am going to be charged for nothing?
Consumer complaint received 2017-02-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (LA)

I financed a car loan that was purchased from XXXX in XXXX on XX/XX/2012. The car was financed by not sure on the sale contract is states the Creditor and Seller is XXXX, LA XXXX. But I have been making payments to Santander Consumer USA and when i requested proof I have not receive anything stating the loan was to be paid to Santander. I asked Santander for a pay off the amount that i was given today would be the same as two years for this date but was told that the interest is accumulated. XXXX and Suntander Consumer is practicing deceptive misleading consumers. The Consumer 's rights to safety, to be informed, to choose and to be provided correct information when a purchase is made. This contract and what is being done is not providing the correct information and Suntander has provided services that on the paper states that the creditor is XXXX.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX collection accounts and XXXX inquiries was removed from my Transunion credit report. The XXXX accounts and XXXX inquiries was placed back on my account without giving me a 5 day notice that the accounts will be placed back on my credit report. XXXX of the accounts was placed back on my report under other loans with XXXX missed payment on each account. As a result of this it caused my credit score to decrease as well as my payment history.
Consumer complaint received 2024-10-28
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: EQUIFAX, INC. (CA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2017-02-24
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got a call from XXXX threatening to sue me for a debt they could not present, they said they have no information other than it was already being processed through the courts. They said they serviced me at an address i did not live at for over 10 years they have threatening to garnish my wages. They immediately said they can lower the debt from {$900.00} to {$400.00} if i paid over the phone today with a credit/debt card. They seem to have my personal information such as my last XXXX numbers of my social security and my moms last name.
Consumer complaint received 2017-02-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: GVA Holdings, LLC (TX)

Northern plains funding is the payday loan company. I borrowed a loan from them for {$200.00}. The yearly rate is 779.54 %. The financed charge is {$1200.00}. By time I pay this loan off it will be {$1400.00}. I only borrowed {$200.00}. This is truly criminal and abusive and taking advantage of the consumer. Again I only borrowed {$200.00}. This need to be looked into. So far I paid back as of today {$160.00}. This company is a loan shark that need to be investigated.
Consumer complaint received 2016-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

All our loans were consolidated, or so we thought. When I called for a pay off amount in XXXX XXXX, I was sent via email a pay off amount, which was paid to the Department of Education on XXXX XXXX, XXXX, in an amount of approximately {$390000.00}. We received a paid in full notification. In XXXX, XXXX, I received a " welcome letter '' from Fed Loan Servicing saying that I owed {$8000.00}. With the Ombudsman Group and a Fed Loan Servicing agent, I was told the pay off amount was {$7600.00} which was paid off as part of legal proceedings on XXXX XXXX, XXXX. In XXXX XXXX, I received a called from Fed Loan Servicing saying that I now owed {$2900.00} -- I asked that the Ombudsman Group and Fed Loan Servicing supply me with how this could be because I received another letter on XXXX XXXX, XXXX that once again my consolidated loans were paid in full. There was no documentation that could support this claim and this battle would go on for nearly two years. On Thursday, XXXX XXXX, XXXX, I placed a called to a rep who is working on this for me and she told me that I did owe the monies and that I owed interest in the amount of {$400.00} and would try to get the interest written off. I should state that I had to place all the calls and I have documentations to this effect. Today, XXXX called me ( XXXX XXXX, XXXX ) to now say that I owe {$18000.00} plus 4 years of interest because of some consolidation error and interest rate mischarges on behalf of XXXX and Fed Loan Servicing. I have tried for over XXXX years now to pay off my student loan debt but I am unable to. Yet, I keep owing interest even though Fed Loan Servicing for the last two years is telling me that they are looking into it. I can not afford the {$18000.00} owed ( if I owe it ). I would need a complete recap of what exactly went on with my account. I do n't know where to turn to. The schools were XXXX College, XXXX XXXX XXXX College, XXXX College and XXXX University XXXX XXXX
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Strong arm Lender Placed Flood Insurance, suspicion of wrongful conduct by by Bank of America Home Loans XXXX. XXXX XXXX, XXXX XXXX, TX XXXX. Bank of America has forced Flood Insurance premiums for insurance on a residence that according to revised FEMA flood mapping is well above the 100 year mean high water flood stage and additionally, the residence is well above the 500 year flood level indicated on the FEMA mapping. We are consistently having trouble communicating with Bank of America Insurance Department. We have sent documents from a local Professional Licensed Surveyor and have sent FEMA mapping indicating the same. Curiously, B of A reports never having receive the paper work after sending the same many times. Our attempts to follow up on these issues typically result in B of A requesting that we re-send the documents or forms in question or passing us from one B of A employee to another that lack any common sense or authority for several hours at a time. Bank of America has decided to charge our family excessive ( XXXX XXXX XXXX ) insurance fees to my line of credit and upset our monthly home payments. We have had nothing but trouble with Bank of America since Countrywide was purchased by Bank of America. Bank of America truly should not be able to wear the moniker " AMERICA ''. 
Our desired resolution would be that, Bank of America accept our professional licensed land surveyors professional judgement that our residence remains higher than the 100 year flood mark and well above the 500 year flood mark as it has for the last 25 years. Funny, thing is our county will not let a person build in the 100 year flood plain and it has had these county rules for at least the last 25 years.
Consumer complaint received 2016-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Collection Service of Nevada (NV)

In the spring of 2016 I reached out to credit agencies including Collection Service of Nevada as I decided to work on paying off my bills. I updated my information with them of both my home address and my work address. I told them that they were free to contact me at my home address. 

They served me a lawsuit for small claims court at my work address. I paid the default judgement off within a week of the default judgement being awarded. I asked them not to contact me anymore since I had no more business with them ( because the debt had been paid off ). 

They just mailed me a document they submitted to the court that I had paid off the balance of account, but they mailed it to my work address, even though I asked that ALL correspondence be sent to my home address when I talked to them last spring. 

The return address is clearly visible to my employer and staff of the office I work at. Also, it is the policy of our office to have staff open the mail before it is delivered. 

Because I have asked multiple times for them to send me correspondence to my home address and not to contact me at work, and because they have repeatedly ignored this request from me, I make this complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2017-04-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AAS Debt Recovery, Inc. (FL)

I sent a letter stating that I wanted to validate the debt they then turned around and stated it was a payment agreement in no way was it an agreement and payment plan like they stated. I asked for information to let me know what the debt is to give me time o validate. At this point they are making false statements. I do. It have a contract with any third party billing as well. Not one. Taking my documents to ask for validation is not a legal or even ethical statement or payment plan. At this point I will be contacting a lawyer. They are intentionally misrepresenting and making false statements.
Consumer complaint received 2017-02-24
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: USForex Inc. (MA)

Hi, I initiated the fund of {$250.00} transfer at OFX to a bank in XXXX from US on XX/XX/2017 They have transferred the fund. 
After a week, the fund still did not arrive the account in XXXX, and I found out by calling to the bank in XXXX that I missed the last digit " 1 '' attached to the account number, thus it can not be received. 

I contacted OFX to correct the mistake on XX/XX/2017. 
They stated, it will be corrected in 2-3 business days. 

On XX/XX/XXXX, I found out the fund was still not received, and contacted OFX. 
They could not locate where the fund is, after 2 e-mails and 1 phone call. 

As of XX/XX/XXXX, they sill do not know what happened and where the fund is.
Consumer complaint received 2017-09-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

I.Q. Data International Inc. has attempted to collect the incorrect amount of {$1000.00} dollars from me when the correct amount is {$240.00}. I have documentation from the apartment complex who spoke with XXXX XXXX at I.Q. Data International and confirmed the correct amount.
Consumer complaint received 2016-12-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ZIONS BANCORPORATION (NV)

I have a home equity loan with Nevada State Bank dba Zions Bancorp. I live in a flood zone. Every year Zions Bancorp needs proof of flood insurance coverage. This year there was some difficulty getting a declaration page from my insurance with the exactly correct name on it because Zions Bancorp changed their name in some small way so as to make the previous way the name was shown incorrect. After many, many phone calls and follow up conversations with both my insurance company and Zions Bancorp,, the representative told me everything was correct and she had received the exactly perfect declaration page she needed. This was all done in an effort to not be charged their " forced placed '' flood insurance coverage ( {$770.00} ). After I was assured Zions Bancorp had received the perfect declaration page, I was charged the {$770.00} and it was backdated to XXXX/XXXX/16. After calling the Zions Bancorp representative who assured me I would not be charged, I was told the charge would be removed IN THREE WEEKS. It 's been four weeks now and the charge is still on my account on which I am being charged interest. Nobody at Zions Bancorp can remove this charge. I 've filed a complaint with their customer service, talked to a supervisor, talked with original flood insurance specialist who assured me everything was in place. It 's been a month now and the charge is still on my account.
Consumer complaint received 2017-02-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JP RECOVERY SERVICES, INC. (OH)

They called 7 times today, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. This occurs almost daily. We filed ch XXXX bankruptcy on XX/XX/XXXX and they have been told this information.
Consumer complaint received 2017-09-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (MO)

I am reaching out to file a complaint against Transworld Systems collection agency. They say they are calling on behalf of XXXX. They call repeatedly throughout the week, sometimes several times a day. When you answer the phone they hang up. Then when you call back you either get someone 's personal cell phone and they have no idea who called you, OR, they tell you who they are and try to collect the debt. If they are so apt to collect the debt why do they continuously call and then hang up. They admitted they are on an auto dialing system. This is a highly in appropriate way to run a business. I get calls all hours of the day and night and on the weekends. When you do call back and talk to someone on the rare occasion you can not understand them because they speak extremely broken english. I would like to file a formal complaint for harassment against this company and make sure XXXX knows they are doing this to their patients.
Consumer complaint received 2016-06-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I contacted USAA regarding a past due auto loan and advised I would like to voluntarily surrender the vehicle. USAA mailed the form to complete the repossession process. I completed the form and faxed back to USAA. I followed-up with USAA and they advised it is not cost efficient to repossess the vehicle at this time. They instructed me to write a letter of consideration to release the title for {$0.00} contribution. I faxed the letter of consideration to release title on XXXX/XXXX/16. I have called USAA multiple times and have been placed on hold for 30 minutes at a time or transferred to departments that are unable to assist me with my issue.