davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-15
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (TN)

# 1.FALSE REPORT : untrue and not correct. reported on my credit as open acct XXXX XXXX, XXXXdebt is from medical XX/XX/XXXX for family membercalled from XXXX XX/XX/XXXX @ XXXX, XXXX, and XXXX ... repeat calls.. less then XXXX hrs apart ... Talked to a XXXX Party about Debt : the collector spoke to my Son about the debt.. offered my son a settlement for XXXX my son who is XXXX yrs. old.. at end of convo.. the Collector asked who he was speaking to my son gave him his name ... .. My son asked who he was the collector gave his name XXXX XXXX # 2 Did not disclose communication was attempt to collect a debt ... I called in on XX/XX/XXXX, because I seen on my credit.. Did not disclose communication was attempt to collect a debt at first time I contacted ... # 4 Never received notice of rights to dispute ... have had the same address for 15 years.. and another call this morning XX/XX/XXXX at XXXX.. all calls made to my cell:
Consumer complaint received 2015-11-10
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: FIRST NATIONAL BANK OF OMAHA (TN)

I sent a letter to my bank, asking nicely for some forgiveness on late payments I had on a line of credit. I offered to sign up for automatic payments from another bank account on the line of credit in exchange for erasing the late payment marks on my credit score. I was contacted by XXXX ( ext. XXXX ) at First National Bank. He told me they would absolutely be willing to erase the late payments from my credit score in exchange for my signing up for automatic payments on the line of credit. He said that someone from the bank would contact me about erasing the late payments, and that he would send me the paperwork for signing up for automatic payments. The paperwork arrived, but I was never contacted by anyone at the bank about making good on their promise to erase the late payments. I filled out the paperwork and sent it back with another letter, outlining the terms that I was told about. I was still never contacted by anyone about erasing the late payments. The automatic payments have been going for several months now, but the late payments have not been erased from my credit score. I have called the bank several times to try and speak to someone, but I just get endlessly transferred around and told that they are not able to do anything to help me. XXXX, the original man I talked to, is nowhere to be found, and the extension he had is no longer connected. I am extremely upset about being lied to and would like to try and get this resolved, and have the company make good on the promises that their employee made to me. I have done my part of the agreement and signed up for automatic payments. Now it is time for the bank to make good on the promises their employee made to me.
Consumer complaint received 2015-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (IL)

On XXXX/XXXX/2015, we moved out of XXXX XXXX due to issues that are not a part of this complaint. XXXX XXXX was appropriately notified and we were told that we will receive a statement with a payment due if any repairs are needed. We never received one. We do have mail forwarding service and all other mail came. 
By XXXX/XXXX/2015, we were already moved into our new house, but we did not receive a statement, or a bill. 
At that point I called, and found out that there is a bill and that we owe XXXX {$280.00} for carpet repair. I was surprised, but I asked for the bill. XXXX told me she will send it ( they already had new address on file since it was provided a month before a move out ). Two weeks passed, but we still had not bill, or statement. 
Eventually, just to get this over with, I stopped at the office to pay it off on XXXX/XXXX/2015 and handed XXXX a cashier 's check for {$280.00} payable to Residences At XXXX XXXX. She assured me this is the last time we will see each other. 
To my surprise, on XXXX/XXXX/2015, I received a notice from a debt collector for {$280.00} I owe to Residences. 

To sum up, I was reported to collection agency after the debt was paid in full to manager on staff that day. Also, I received no resolution from them at this time. Mine, and my fiance 's credit is likely to be affected. 

At this point, it has to be either ill-will, or gross incompetence. It is difficult for me to understand it as I gave all parties ample time and opportunity to settle all issues.
Consumer complaint received 2016-01-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been receiving poor customer service from Bank of America the whole time they have been my mortgage loan lender. I purchased my home on XXXX for {$610000.00}, which was split into XXXX loans- {$490000.00} and {$120000.00}. Within a year of purchase I unfortunately was going thru divorce and bankruptcy ( Chapter XXXX ) proceedings ; both concluded in XXXX XXXX. I also had initiated a mortgage loan modification prior to the Court granting the Chapter XXXX Bankruptcy in XXXX XXXX. My mortgage loans were included in the approved bankruptcy. However, Bank Of America did not grant any loan forgiveness or principal reduction. Much later, on XXXX XXXX, XXXX, a loan medication was approved by Bank of America consisting of adding late and penalty fees to my initial XXXX principal mortgage loan of {$490000.00} mortgage loan resulting in a {$28000.00} increase ; XXXX principal balance of {$520000.00}. The terms included an adjustable interest rate change for the following 8 years from 2 % to 5 % and a balloon loan of {$140000.00}. Bank of America was threatening to foreclose my property and out of fear I agreed on the outrageous loan modification. In XXXX XXXX, I requested a loan modification, which was denied on XXXX. 
As of XXXX XXXX, XXXX, I have received a yearly mortgage loan payment rate increase, which has caused me significant financial hardship and to accrue a lot of debt. On XXXX, I advocated for principal loan balance reduction, as I had calculated that I had paid almost {$300000.00} between the XXXX mortgage loans ; however, my mortgage loans only had a {$22000.00} balance reduction. My pleas and supportive evidence were ignored and I did not receive a principal mortgage loan reduction, interest rate reduction, and/or monthly payment reduction. 
At this time, after a nine year period of paying my mortgage, my balance of loan is {$440000.00} ; only {$44000.00} ( 8.9 % ) decrease in nine years. I am not at all close to paying 30 % of this mortgage loan, which is due to how Bank of America has processed my mortgage loan and their unwillingness for a reasonable loan modification despite this debt being included in my bankruptcy. 
In less than a month, my mortgage payment will increase from {$2700.00} to {$2900.00} and I am not sure how I am going to be able to pay my mortgage on a monthly basis. If I would have been granted a reasonable modification, I would not be having this severe hardship.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (NC)

I am XXXX XXXX, XXXX serving at XXXX XXXX, NC contacting you regarding a huge issue regarding my Navy Federal account. XX/XX/year> I was a victim of Account Fraud. I have exhausted all my options to prove my innocence since XXXX last year. I am not the only victim of this occurrence there are 5 others in the same city. I have tried going the very formal way of trying to go through the fraud department but continuously get the same answer of " You are at fault ''. Even my detective is very confused about how I am at fault when since Day 1 I have done all I can to prove my innocence. I have tried contacting the security department and was answered with a complete attitude from an individual by the name of XXXX. Two months ago I contacted Navy Federal again and was told in the notes regarding my case " I am in cooperation with them and I own the XXXX XXXX that the money was sent to '' which is also false. My car loan is serviced by Navy Federal and I have been a good customer this has caused me huge financial stress. I am going through a divorce on top of all of this. I am even more stressed considering this amount is now in collections with no resolution other than putting me at fault. I was also told I gave all my information out which is also false. All the attachments are supporting documents of my issue. I hope you have a great day and I am hoping to hear from you. You can call me at XXXX. Thank You!
Consumer complaint received 2015-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was in the process of getting a loan on a piece of property for investment purposes. I was approved by Bank of America for a 15 year loan of {$70000.00} and a rate of 4 %. After the appraisal I was instructed by Bank of America to do repairs to the exterior deck railings before we could close. I proceeded to repair the railings at the cost of {$750.00} labor and material. After completing the rails I was informed by Bank of America, according to their underwriter, that I needed to get a road maintenance aggreement form signed by all of the property owners that had a building on the entrance to the property. I own the property adjacent to the property we are trying to purchase. The owner of the warehouses south of the property refused to sign the aggreement stating it would decrease the current value of his property. to date I have spent {$750.00} for the survey, {$650.00} for the appraisal and {$15.00} for the credit reference. At this point nothing has happened and the loan is in limbo.
Consumer complaint received 2015-06-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Source Receivables Management LLC (FL)

I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.
Consumer complaint received 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2016-01-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (WA)

I opened a new credit account with XXXX XXXX XXXX. Never used the card but did pay the XXXX dollar activation fee. 4 months later I saw fraudulent charges at XXXX in California. I called the credit card company and reported fraud. They closed the account and issued a new account to me. I was told it could take 60 days to investigate. XXXX was reported to them XXXX XXXX 2014 for charges made XXXX XXXX and XXXX 2014. Received letter from their fraud investigation department stating no new charges on account ending in XXXX. This is not my account. I have spent hours upon hours trying to resolve on the phone.. No resolution yet I keep getting late fees interest and the fraud charges are still on the account. They have now reported me to the credit agencies as a no pay on the credit card. The new account they issued I also closed due to their lack of resolution in the fraud case. Pleas advise how to remove from my credit report. They are idiots.
Consumer complaint received 2016-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MI)

I filed a dispute with Equifax for a judgement on my credit report. Said judgement was deleted from XXXX and XXXX but Equifax updated the file to state " satisfied ''. They then placed the date XXXX/XXXX/2015 as the satisfied date. I am not able to obtain a mortgage due to their misinformation. I have re-disputed this information twice and they will not change the credit file.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Transunion reports this amount paced for collection by XXXX. I have never had any dealings with XXXX. This is either Fraud or and Identity problem. 
XXXX XXXX XXXXXXXX XXXX, 2015Open $ XXXX DetailsLast Reported XXXX XXXX, 2015Collection Agency XXXXOriginal Creditor XXXX XXXXStatus OpenOpened Date XXXX XXXX, 2015Closed Date -- Responsibility IndividualBalance $ XXXX Balance $ XXXX Placed for collectionCreditor Contact DetailsXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

credit bureaus must ensure accurate reporting of information. If they report incorrect or inconsistent negative information, this violates your rights under the FCRA, specifically Section 611, which requires them to investigate disputes and correct or delete inaccurate data.Once you file a dispute and the information is found to be inaccurate, they must delete or correct it immediately.
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (CA)

I do n't see the logic behind a credit freeze being offered free of charge with a valid police report but forcing the ID theft victim to mail all the sensitive information. This is punishing ID theft victims instead of those who choose to file the freeze online for {$10.00} with each bureau. 

The credit bureaus seem to be coercing individuals to pay the {$10.00}. Being the victim of a recent identity theft, I feel uncomfortable mailing all sensitive information such as the requested copy of a drivers license and full SSN to have my credit frozen free of charge.
Consumer complaint received 2015-06-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

In XXXX 2013 I purchased a current year Toyota XXXX from Toyota and at the time of my vehicle purchase I also purchased the tire and oil maintenance plan with an extended warranty also. My tire & oil maintenance plan was to begin after I 've reached XXXX miles on my vehicle. For I was already covered for all of my maintenance work under Toyota 's Care plan up to XXXX miles. After reaching XXXX miles on my vehicle, I attempted to go to XXXX Toyota dealerships to have my car serviced under my prepaid maintenance plan. And I was told that I must return to the original dealership that sold me the vehicle in order to have my service covered for free. so I paid out of pocket for the maintenance service. So on my next service visit I went to my home dealership and that 's when I was told that the prepaid maintenance plan that I purchased expired at XXXX miles. I was very upset and disappointed to find out that I was a victim to fraud by the dealership and sold a maintenance plan in which I was already covered for by Toyota Care up to XXXX miles. After several attempts to resolve this issue with Toyota and XXXX Administrators in which I was asking them to reactivate my XXXX year plan starting from today and with my current miles, I did not receive any resolution. I was told there is nothing anyone can do to assist me. Now I am asking for the help of Consumer Financial to resolve this issue by activating my 2yr/ XXXX miles prepaid maintenance from today and with my current mileage.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

For many years I have been trying to gain access to my credit report, and to suspend my credit freeze so loan companies could gain access to my credit file. I have found, without exception across XXXX Transunion and XXXX that I can not release a freeze temporarily. There is no possible way to get a phone number where humans answer and can assist ; there is no web site that does n't send me into limbo, listing irrelevant answers to their canned questions, and then saying they can not help me without mailing in a request, which makes it impossible to get a loan. When I attempted to get a copy of my credit report via mail, they refuse to provide it listing insane requests for irrelevant information after weeks of waiting - all three did something similar in response to my request via mail for my free credit reports. This is ridiculous. 

Your system here does not allow me to complain about the wide-ranging nuisance these companies are being allowed to impose upon consumers that just want them to do what they are supposedly requred to do by law. Obviously these bureaus have deliberately developed systems and processes that avoid equitable compliance with the law and are being allowed to get away with it by acting in complicity, with all XXXX not complying.
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi. 
Month ago I opened Bank of America cash reward credit card. I got card and start to use it. 
I made purchases at gas station, grocery stores and online. Already get cash reward ( {$110.00} ) in my account. By end of billing cycle I got XXXX and paid in full total balance in the local branch by next day. Next day I got letter from Bank of America stated that my account has been closed without any explanations.When I called to a toll free number listed in the letter, automated message said, that my account closed for business reason, no any explanation will be given. 
What about my cash reward. Can I will get my reward in this case?
Consumer complaint received 2016-01-09
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I completed heloc modification with bank of america on XX/XX/2015.I noticed the following months that the loan did not reflect my new terms or payments.Bank of America miscalculated my interest and has overcharged me.Bank of america has yet to complete their process. Due to BOA actions and lack thereof it presently appears that I am delinquent for 9 going on 10 cycles and my credit scores has been drastically affected.I have been trying to resolve this since XX/XX/2015.
Consumer complaint received 2015-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (NY)

My home was totally destroyed XXXX and as a result have been displaced for the last 3 years. NY State will be purchasing the property from us so that our family can get back on or feet again. We are prevented to enter a closing due to the fact that Ocwen is refusing to produce a satisfaction of mortgage with XXXX who was bank before Ocwen took over. This has been going on for about a year now and each month that goes by I have to pay property taxes of about {$2000.00} a month. About a week and a half ago I spoke to XXXX XXXX at XXXX she promised me she would call back in a half hour. I have not heard from her since and she is not returning my calls.
Consumer complaint received 2016-02-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute with Transunion regarding an incorrect balance owed with a creditor, XXXX, which had n't updated my payment balance. My credit score at the time was XXXX. As the dispute was resolved in my favor, an XXXX updated my balance information showing I owed them less money, I expected my credit score to improve. After filing the dispute, my credit score DROPPED XXXX POINTS. I contacted Transunion, their representative indicated they would remove the dispute mark, but the score remains the same, at XXXX!!!!! I would like to know exactly what happened to cause my score to drop XXXX points. Something does n't seem quite right here. Thank you.
Consumer complaint received 2015-07-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (CA)

On Thursday, XXXX XXXX, I received a call that my credit card XXXX Barclay 's XXXX XXXX XXXX had been flagged for fraudulent information. It was an automated phone call from XXXX. I verified all information and was told at the end of the call that the security hold had been removed as I had properly verified all information. Following that call, the hold remained in place. It was not removed as indicated. Subsequent calls to XXXX have not resulted in an answer, and I was XXXX from critical business spending during at least XXXX business day without explanation.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2015-12-25
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (TN)

I was trying to get service from XXXX XXXX but when they ran my credit check ( I have a credit score & gt ; XXXX ), Equifax said that they could not verify my identity. When I went to all XXXX credit agencies to obtain my credit report, I was able to do so at XXXX and XXXX but not at Equifax. The Equifax website again said that they could not verify my identity (!!! ). Now I have to send in XXXX forms of identification by mail to get them to review and correct the problem. Meanwhile, the promotion for XXXX is going off and I will end up paying XXXX of $ $ $ more because of Equifax 's mistake. This is not fair and it should not be legal. Equifax should have to pay for their mistake, not me!