davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Applied for refinance with Bank of America after being a loyal customer of over 10years. I have never missed or been late on any payments with them and the debt to equity ratio is less than XXXX. They made a mistake on other properties I own and are asking me to send information that has been already submitted prior to their mistake. They actually closed the loan refinance due to their mistake. I have answered all of there questions and sent all of the information to them, at least once. I am fed up with them.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (VA)

There is a judgment against me from XXXX XXXX. This credit card did not belong to me. I never filled out an application for this card. I never had a credit card from this company with my name on it. I have contacted the collection agency for this account 30 days ago and the collection agency states they have no response from XXXX XXXX. I contacted XXXX XXXX yesterday and they would give me absolutely no information and kept telling me to contact the collection agency again. When I was married my ex husband had a XXXX XXXX card but I was never even an authorized user. I am not sure how his debt got put in my name. I have also disputed this matter on Experian and they did not remove from credit report. I have disputed with XXXX as well but they have until XXXX/XXXX/16 to complete investigation. Please help!!!! Thanks
Consumer complaint received 2015-07-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I requested a payoff statement on XXXX XXXX, XXXX from a representative at Bank of America which I never received. On XXXX XXXX I called Bank of America and spoke with Senior Customer Representative, XXXX XXXX at Bank of America who provided me with my pay off statement in the amount of {$300000.00}. At this time I sent my presentment and negotiable instrument to Bank of America certified receipt number XXXX. I then received a call from XXXX XXXX who informed me that my paperwork had been process and that I would receive my letter on reconveyance within 7 to 10 business days and that all the other related documents will be sent within the next 60 to 90 days. On XXXX XXXX, XXXX I received my letter of satisfaction ( XXXX Pay Off- LetterOfSatifaction XXXX XXXX/XXXX/XXXX ). Then on XXXX XXXX, XXXX I received my G/L Transaction ( XXXX LNHIST XXXX XXXX/XXXX/XXXX ). On XXXX XXXX, XXXX I went to the XXXX Registry of Deeds with the documents that Bank of America sent to me and the informed me that they sent me incomplete paperwork and they would not be able to process my request. I immediately contact Bank of American on XXXX XXXX, XXXX and spoke with XXXX who informed me that she will forward this request Pay off Department and I would receive a follow-up call from that Department. I then called again on XXXX XXXX, XXXX I was informed that they are still investigating. I also called Bank of America on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and was informed that they are still investigating. I then called on XXXX XXXX and XXXX XXXX of XXXX which the phone went to voice mail, left voice mail with no return call. Then on XXXX XXXX, XXXX I received a bill from Bank of America and called them immediately and I spoke with XXXX who escalated to her supervisor. She then asked me " who told me to send those documents " and I responded it 's the law. I then asked her to refer to the XXXX and The Fair Debt Collection Act. She then said that Bank of America will require additional time. On XXXX XXXX, XXXX I spoke with XXXX from the Payoff Department who informed me that Bank of America would respond to me via mail on XXXX XXXX, XXXX. I did not receive anything and called XXXX who informed me that she would require additional time and that I would receive a response via mail on XXXX XXXX, XXXX which again I did not receive. I called XXXX on XXXX XXXX and XXXX of XXXX I had to leave a voice mail but did not receive a call back. Finally on XXXX XXXX, XXXX I received a letter from Bank of America with their false statement of fact which I have included. I have been forthright during this process and have been more that patient. Bank of America has violated my right according to the XXXX, Fair Debt Collection Act, Chapter 63, Emergency Economic Act of XXXX and Joint House Resolution Act of XXXX and they need to held liable.
Consumer complaint received 2016-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I sent my mortgage payment to Bank of AMerica on 
XX/XX/XXXXas of XX/XX/XXXX my payment
had not cleared.........I called Bank of AMerica and they told 
me check must have been lost in the mail.......they told me 
to put a stop on that check and send in a new check........I 
did what Bank of America told me to do.......my new check 
cleared on XX/XX/XXXX........Bank of America also tried to
cash the check I had sent on XX/XX/XXXX (apparently the
check was NOT lost in the mail !!!)..........I had placed a stop
payment on the check that I sent on XX/XX/XXXX so the 
check did not clear........BANK OF AMERICA is CHARGING
me $XXXX because the check I put a stop payment on did not 
clear! ..........I want the $XXXX charge reversed!........When I 
called Bank of America their representative (XXXX) refused to
reverse this charge......PLEASE HELP!!!
Consumer complaint received 2015-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NY)

I have been trying to get XXXX peices of information removed from my experian credit report. I have had this information removed from experian and XXXX with no issues. I disputed this information with experian and only was able to dispute the informatory XXXX time. I sent in the paperwork and they still will not remove this information. For XXXX XXXX this has been documented as ID theft. Someone stole my ID and moved into an apartment under my name. I sent the reports to experian but they still will not remove the information. The XXXX XXXX is from XXXX. This was also part of not knowing about this debit and it was with my ID theft. Again it has been removed from my other reports but not experian. The last investigation they conducted was from XXXX on XXXX. I have send the paper work in and disputed this information agian XXXX months ago and not heard anything from them. I live in NY state and there has been new laws put into place to protect consumers why are they not abiding?
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

On XXXX/XXXX/2014, there was a judgment rendered against myself and wife for unpaid rent. The facts were inaccurate, rent was paid, and there should n't have been a judgment. The current property manager agreed and we thought it was over. Nevertheless, the judgment was submitted and has been on our credit reports for a while, and we did not know. After attempting to apply for credit, we were denied several times and the hard credit inquires were also creating a negative effect on our credit rating. We notified the property manager, and they worked with us and were kind, because it was there mistake. They sent a letter to the courts, requesting that the judgment be vacated. After calling the courts, they seemed disinterested. The clerk stated, " if the judge decides to remove the judgment, we 'll let you know. '' We have been treated as if we were criminals. Maybe it 's because I talk with an XXXX voice and my wife has a XXXX last name and we were profiled. We are not the criminals. In fact, it against the law for the judgment to even be on the credit reports.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :
Consumer complaint received 2024-11-23
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. (NV)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I was victim of fraud, on XX/XX/XXXX I sent letter to XXXX to explain that I see they report to credit bureau XXXX XXXX have late payment, they have remove the account in my credit report now I see it comeback to my credit report .i did never take any loan or authorized anyone to take any loan or purchase anything on my name XXXX would like this to permanently delete from my credit report
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On-line, I placed credit freeze at TRANSUNION on XXXX/XXXX/XXXX due to identity theft. Paid a {$10.00} fee using a credit card the police report would not be available for XXXX to 7 days after making the report. On phone, was told by a TRANSUNION representative to send the police report by FAX and request a refund of the {$10.00} fee. Faxed the police report and request for refund on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, a TRANSUNION representative stated that I would not get a refund because the police report was not submitted concurrent with the online transaction. The TRANSUNION website XXXX displays a table listing the XXXX provisions regarding credit freezes. Under XXXX victim, the entry is as follows : State Requirements Fee Information Add Lift Remove XXXX Identity Theft Victim Free** Free** Free** **In order to be eligible for free Security Freeze services, you may be required to provide proof of eligibility by mail. Click here for more information. 

The 'click here '' leads to the following information : " If you believe you qualify for a free Security Freeze due to identity theft you must supply our office with a copy of a Law Enforcement report alleging identity theft that has been filed with your local law enforcement department or the XXXX. 

If you believe you qualify for a free Security Freeze due to your age, please send us verification of your date of birth with your Security Freeze request. Acceptable forms of verification include XXXX of the following documents that show your date of birth : a birth certificate, driver 's license, state identification, or some other legal document indicating date of birth. 

If you are a resident XXXX and have documentation XXXX from the court, a law enforcement agency, a licensed medical or mental healthcare provider, or social worker, please provide our office with a copy of the document to receive your security freeze free of charge. '' Mail : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX I explained to a TRANSUNION representative that XXXX refunded a {$10.00} fee the day after receiving a faxed police report. My understanding of XXXX law in this regard is that a refund is required. A TRANSUNION representative stated that if I had made the freeze request by phone, the TRANSUNION representative would have suggested a no-fee credit fraud alert until such time as I had a police report. Therefore, my {$10.00} fee would not be refunded. 

I believe that TRANSUNION has engaged in deceptive practices in this matter.
Consumer complaint received 2015-05-26
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

Green Tree Servicing is a horrible company to deal with for loan servicing. Every time I call in I get a different answer to the same question. In addition, their staff must be trained to speak as though they are superior to the consumer. I was transferred to this company via my mortgage company without my knowledge and against my will. I was originally with XXXX XXXX and they were absolutely fantastic to deal with. No hidden fees and payments could be made online without extra charges. Green Tree offers no such options to the consumer. If you want to make a payment electronically, you have to pay a minimum {$12.00} fee. This is passed off as a convenience fee. Convenient to who? Electronic payments are a favor to them not to me. I have no problem sending them a paper check and making them work for that money. It 's terrible that they treat customers, especially new ones, like they are doing me some sort of favor for servicing my loan. XXXX knows, servicing companies come a dime-a-dozen. Hopefully my complaint to my mortgage company will offer me the opportunity to choose another servicing company. If I have to complain every day to someone to get this account moved then so be it. If anyone has a choice for a servicing company, think twice and do your research before you choose Green Tree.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2015-09-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (ME)

My mortgage company is PNC. I have been a homeowner for 16 years with them and have never been late on my mortgage. I have my insurance and taxes as part of the escrow. A few years back I contacted them to see if I could refinance to get a lower rate. They sent someone out to the house, charged me XXXX and then told me that i could not refinance and my house was only worth a certain amount. The town in which i lived had the house assessed at double what the mortgage company was telling me my house was worth. Fast forward to this year, I asked the mortgage company if I could apply for a deed in lieu or a short sale due to the reasons of my husband passing away and my working in another state and the house sitting empty. At first, they told me that I was approved for a deed in lieu, took a lot of information from me and then the whole summer is spent with me putting my belongings in storage, all the while waiting for them to give me the next step of directions, only to be told at the end of the summer that i do not qualify for a deed in lieu or a short sale because my mortage is current. I told them that I had a letter proving that they told me that i had been approved and of course the mortgage is current, because I wanted to do the responsible thing and was awaiting to hear from them to tell me to stop payment. The person I was speaking to told me that they would not ask me to do that, even though I believe that would have been the only way I might have been approved. As I am trying to move on with my life in another state, I find that my hands are tied to seek out another home to buy. they sent me their official letter stating their reasons for denial and an address and number if I wanted to complain. The number was not yours. I found out about you through the article in XXXX magazine. I have spoken with a friend here in Maine who is a real estate lawyer and she was surprised that they had approved me for the deed in lieu. She suggested that i put the house on the market for the amount the town has it assessed at. So now, I get a copy of my mortgage statement which they send every month, even though I have direct deposit to them and as I am reading the breakdown on the statement, it says that my monthly payment of XXXX was received on XXXX/XXXX/2015 and that the payment to the principal was only XXXX! How can that be? My monthly payment is paying more for interest, insurance and taxes than the principal! Something is not right here. I would appreciate some advise and your help.
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Billing disputes — 
Company: Santander Consumer USA Holdings Inc. (GA)

I was charged a XXXX late fee on my account. Santander posted my payment 3 days late. Santander stated that they received and posted my payment the day it was received. I do not believe that 1, because XXXX service is not that slow, it was mailed 10 days before it was posted, 2, because all other payments mailed on that date managed to get delivered on time. 
I want the XXXX credited back to my account, along with any finance charges associated with this charge.
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX/XXXX/2012 Bank of America charged me {$750.00} for debris removal. Bank of America never removed any debris. After contacting Bank of America, I was told I was going to be credited the {$750.00} since it was a false charge added to my mortgage. Bank of America has still not yet credited the {$750.00}.
Consumer complaint received 2016-03-29
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (MD)

1 ) I had a traditional Individual Retirement Account ( IRA # XXXX ) with PNC Bank, invested in a XXXX Fixed Rate Certificate ( CD # XXXX ). The IRA and the CD were originally opened with XXXX XXXX XXXX Bank XXXX XXXX XXXX, and were acquired by PNC when XXXX merged with it in XXXX XXXX. The CD was most recently renewed for a 24-Month term on or about XXXX XXXX XXXX. 
2 ) I received an account Maturity Notice from PNC on or about XXXX XXXX XXXX. This Notice stated that the CD would mature on XXXX/XXXX/XXXX with a value of {$4200.00}. It also stated that, unless otherwise directed, the CD would be automatically renewed for an identical term, at a rate to be determined on the Maturity Date. 

3 ) The above-referenced Notice and the original agreement provided, inter alia, for a grace period of ten ( 10 ) days beyond the Maturity Date for making penalty-free changes to and withdrawals from the CD. 

4 ) On or about XXXX XXXX XXXX I mailed a Direct Rollover Transfer Request to XXXX XXXX XXXX bank ( XXXX ), asking that the entire proceeds of the CD at PNC be transferred on the Maturity date to my IRA account at XXXX. This was done in a form provided by XXXX, and included full particulars of the IRA and the XXXX at PNC. 

5 ) After telephoning me in the following week to verify all particulars of my request, XXXX sent me an email on XXXX XXXX XXXX, confirming that they had sent the Transfer Request to PNC Bank for processing. PLEASE NOTE that this was a full twelve ( 12 ) days before the end of the grace period for penalty-free withdrawals from the PNC account. 

6 ) After a delay of several weeks, XXXX confirmed that an amount of {$4200.00} had finally been received on XXXX XXXX XXXX from PNC. On or about XXXX XXXX XXXX I also received a notice from PNC ( mailed on XXXX XXXX XXXX from ZIP Code XXXX ) confirming the closing of the account and the transaction amount, but without any other accounting. 

7 ) This unexplained discrepancy between the maturity amount and what was ultimately transferred leads me to conclude that PNC Bank had willfully and intentionally delayed transferring the funds till after the grace period had expired. Then, invoking the early-withdrawal penalty provision, they had confiscated {$24.00}, which exceeded even the {$21.00} the CD had earned over the preceding 24 months.