davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Blackwater Capital Group LLC. (CA)

I took a payday loan at XXXX, due to financial hardship I was not able to pay them and passed on my debt to a credit collection agency. This complaint is regarding BLACK WATER CAPITAL GROUP, at first they left a voicemail saying that they were from an Attorneys office and that there is a lawsuit filed against me, And the same message my husband received from them saying theres a lawsuit being filed, they contacted my husband as well, when I called the number they told me to call it was a lady named XXXX XXXX that answered the phone, not stating the company name first, and already discussed to me that they are a credit collector and that my {$400.00} debt already had charges and I had to pay {$900.00}, they asked for my debit card no. And they said I had to pay the full amount, it was only to my realization because everything happened too fast and the scare that Im going to be sued that I agreed paying, but I dont think it is right for them to impose that high of an interest since Im already struggling and thats why I havent paid the original loan in the first place. They kept calling my husband, they would use different numbers till now.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

there is a bankruptcy report that being report by a third and is not the court on or about XX/XX/2018 to ask them to VI fly on what date did they report this to the credit bureau the court response back address the issues state that under the bankruptcy court do not report to any credit bureau agency. and this Letter was date on or about XX/XX/2018., the rule state pursuant 11.usc.107 ( a ) and that section state the court shall not disclose information specifically protected by the court under this title. and Transunion never to remove it.
Consumer complaint received 2018-07-31
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have XXXX hard inquiries on my XXXX report and 6 hard inquiries XXXX report witch I affecting my credit score I have tried for a long time now to try to correct it but it was only overlooked properly. I have contacted the reporting agencies/ company/ banks in regards to the inquiries that Im not aware about I have also submitted police report and they refused to help me. I am not aware of the reporting inquiries but I am requesting that it gets removed from all three credit bureaus I did not authorize any use of my information
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MD)

I found out there were authorized charges on my credit card. I called the bank and they said they would investigate. On XX/XX/XXXX, they sent me letter to conclude I would not be responsible for the charges ( {$480.00} ) However on XX/XX/XXXX they secretly charged the same amount back to my closed credit card account and direct debited from my XXXX checking account. When I called on XX/XX/XXXX to complain about it, a lady told me they would send me the check or credit back in about 2 weeks ( which was a lie ) Today XX/XX/XXXX, I called them again, they kept transferred me back from one department to another for 5 times for 93 minutes without solving the problem. When I asked to speak with someone in highest position, each one told me she was the account manager. I asked the lady how they could close my credit card account in XX/XX/XXXX and reopened secretly and charged me back on XX/XX/XXXX. Her answer was they have right to do so anytime they want. I asked her why they did not charge on my new credit card account so that at least I was notified. I even further asked her what about if someone has a tight balance in the checking account and suddenly they took away {$5000.00} from checking and what if he/she can't make the mortgage, car payment ... .Her answer was nothing she can help.
Consumer complaint received 2018-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

In retaliation for filling complaint no. XXXX, XXXX- XXXX  has denied the loss mitigation request. On XX/XX/2018, the servicer requested additional documents. On XX/XX/2018, the servicer sent notice acknowledging receipt of complete application. On XX/XX/2018, XXXX  denies the mortgage assistance request. I have attached herein copy of fax transmittal that proves that the loss mitigation application was received by XXXX  on XX/XX/2018, therefore it would have been impossible for XXXX  to have acquired a complete package on XX/XX/2018, and send to investor for approval. The documents provided by XXXX proves that they denied the application before the application was actually received. This proves XXXX  no good intentions and neither did they review the package for mortgage assistance. This is a question for the Consumer Financial Protection Bureau analyst. Does it make any sense to have a denial letter before you actually send the application, the proof is very clear and convincing. XXXX has denied the mortgage assistance request before the application was even received and has provided deceiving excuses. XXXX  signed an agreement with Treasury and therefore must abide by all Treasury Rules and its directives. On XX/XX/2018, all XXXX XXXX servicer 's particpate on the flex standard loan modification. We meet the Eligibility and therefore request a trial plan asap. XXXX  has engaged in deceiving practices in connection with the mortgage assistance request. Sanctions are appropriate.
Consumer complaint received 2018-03-19
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (MT)

Greetings, I am concerned with the business practice of Navient. They currently service my Federal Student loans. Over the last year my payment has constantly been different even through I am on a Income driven payment plan. They invoices don't match my billing, the billing doesn't match my loans, and I cant take advantage of interest reduction because I refuse to let the company auto draft payments out of my account. They are unable to accurately show me a schedule of payments, and the payments they do come up with aren't documented anywhere. I feel like I'm literally being robbed each month by a company that provides no service other then attempting to make me default on my loans through trickery.
Consumer complaint received 2018-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is a follow up on complaints number XXXX, XXXX,XXXX.

Bank of America is violating the FEMA guidelines during a forbearance process in a federally designated disaster zone. I have been battling Bank of America for almost a year on their fraudulent practices in dealing with the FEMA designated disaster zone and the federal regulations allowing forbearance of a XXXX XXXX   and XXXX XXXX loans.

They are also violating the fair lending act by modifying my loan parameters and my property rights during what is supposed to be disaster relief.

Bank of America just sent me my paperwork for my loan modification for the forbearance of my mortgage as a result of the hurricane Irma. In the modification Bank of America is taking advantage of the people in need by not only modifying their loan but taking away rights with added language they have fraudulently added to the loan modification document. The only modification that is allowed by federal guidelines it to cap and extend the loan by adding the number of payments without penalty to the end of the loan and extend the loan by that number of payments. No where in the federal guideline does it state that they have the right to modify the property right of the owner. This is clear violation of federal law and thy need to be investigated.

All the terms of the XXXX XXXX   LOAN MODIFICATION AGREEMENT are fairly standard and only reference the current loan and any additional paperwork that needs to be signed.

Section 4. Additional Agreements Section P.

This section is taking my rights away from my property in the event of a default. This section allows BofA to hire a receiver ( property manager ) to take over my lease ( if the property at the time of default is being rented ) and take my rental income. This section allows them to take over my lease, charge management fees, and take over my lease in the event of a default. Please read this section carefully.

Bank of America is taking advantage of a disaster relief and in the process they are taking away my property rights. I find that this to be a very underhanded way of taking advantage of people in a time of need. It is illegal. I am basically being forced to either sign the agreement which take away my property rights or they will not give me the modification.

Please investigate the legality of this clause and please investigate Bank of America for violation of federal guideline.
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NY)

In XX/XX/2019 I took advantage of a 0 % promotional balance transfer offer from XXXX XXXX   However, every month I have been charged the minimum finance charge of {$2.00}, even though no other purchases have been made. 

I have contacted the company several times without an adequate explanation.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (MS)

I had a loan on a CD that was a joint account with my son. I closed that account out and the bank insisted that I had to have him with me since both of was on the account secured by the loan. I noticed a few months later that the bank was still taking the payment out of my account. I went to close the account and asked for my money and they told me that my son had came back and borrowed the same amount of money which was XXXX against the CD and I asked how did they let him do that because when I tried to borrow against it I had to wait until he was available and we both had to sign. I also asked how he managed to borrow on a closed account. I finally got some of my money back but, the bank never refunded me all the payments that they took from my social security check. I asked them in good faith to remove it from my credit file because I never signed and when I got my loan on it they would not let me get it without him being present. The refused so I am asking your assistance in removing this from my credit file.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

while checking my recent credit report. I noticed credit inquiries that I did not authorizes made by the following companies. XXXX XXXX XXXX office locator at XXXX XXXX XXXX XXXX IL XXXX. I  contact XXXX XXXX and they state that they do not pull credit. I had notify Experian about this transaction they fell to removal it from the credit file. it was als o on my XXXX report but went I notify then they removal with no question and send me a Letter of removal. this a violation of the fair credit reporting act section 1681b ( c ) and a serious beach of my privacy.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (OH)

Experian has made it impossible to cancel my monthly membership. They only possible solution they offer is calling their service number, and you are placed on hold for hours and Ive never been been extended the courtesy of speaking with anyone. This entire process is clearly and maliciously engineered to hold the customer hostage for an unwanted monthly payment. Its extortion and Experian should be held accountable for their illegal business practices.
Consumer complaint received 2018-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this account belong is a fraudulent its not mine belong someone else I didn't authorize to this merchan DISPUTE XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$440.00} Balance Updated - Credit Limit - Past Due Amount {$440.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Joint Account Original Creditor XXXX XXXX XXXX - Original Amount {$440.00} Comments
Consumer complaint received 2018-03-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (TN)

A company called Diversified Consultants has called my cell phone 3 times in the past 3 days. I have not answered but have back-traced the calls. They are a debt collection service. I have no debt of any kind - I own my house, cars, etc and have for many years without loans or mortgage.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bull City Financial Solutions, Inc (NY)

I contacted all three credit bureaus regarding unverified debt appearing on my credit report. I sent a individual letters to each bureau asking for verification of debt regarding my credit report and score. On XX/XX/2017 I sent these letters with certified mail and the letters were received by each bureau. The letters simply stated that this debt verified and proof of documentation to be presented within 30 days. If not simply stated the following : Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX has yet to remove this debt from my credit reports which is adversly affecting my credit score and credit worthiness.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I notified TransUnion Credit Bureau several times letting them know that my name was spelled incorrectly. My name is XXXX XXXX, XXXX. They keep showing in their system ( XXXX XXXX, XXXX ) I've sent them a copy of my driver 's license, social security card and a utility bill. I have never applied for credit under any other name. As of today they still don't want to correct my credit report. 

I also sent them a letter requesting that they sent me a copy of my signed authorizations for the recent credit inquiries. They sent me a letter back telling me that my signed authorization is not required in order for them to release a credit report.
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUMMIT FUNDING, INC. (MI)

I received a NOTICE OF SERVICING TRANSFER from XXXX XXXX XXXX dated XX/XX/2018. It listed the current servicer as Summit Funding c/o XXXX XXXX XXXX ( NMLS XXXX ) and  the new servicer as Summit Funding. After calling the company, they said the note was transferring to a completely different company than the company listed in the notice. This presents a clear violation of 12 CFR 1024.33 ( b ) ( 4 ). Further, rather than omitting information, the notice contained misleading misinformation. After some phone calls, I was given information that my new servicer was XXXX XXXX XXXX, XXXX.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (TX)

I entered the XXXX XXXX XXXX XXXX on XXXX XX/XX/2017. At that date, I had a balance of {$24000.00} on my Wells Fargo ( WF ) Visa credit card. At the time of entering XXXX XXXX under Title 10 of the U.S.C., I provided WF with a copy of my Orders. WF acknowledged receipt of these Orders for my checking and mortgage account, but after nine months have still not applied the SCRA benefits to my credit card, which oddly enough is the only account that stands to benefit from the SCRA 's protections. I contacted WF about the incorrect interest rate in XXXX and again provided them with a copy of my Orders because they " never received them, '' even though they could see that my checking and mortgage accounts had the SCRA protections on them. WF now acknowledges via telephone that they have all of the needed documents, but are " still processing my request. '' As of this writing, they have been " processing the request '' for a month and a half. Since entering XXXX XXXX, I have not used this Visa card for any purchases, so all interest accrued on this card should have been capped at the statutory cap of 6 % rather than the previous 12.75 %.
Consumer complaint received 2018-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp (WA)

I was called by a company calling them XXXX XXXX XXXX ( XXXX ) XXXX- they told me I could enroll in Student Loan Forgiveness. They told me that In XX/XX/2018, when I made my first payment of {$49.00}, that they would pay off all of my loans that were with XXXX . I asked this specifically. Will my loans come out of XXXX. they said yes. Then they sent me a contract through Equitable Acceptance Corporation, saying I owed them {$1300.00} for the paperwork that they did on my loans. I just got a message from XXXX, saying they put me in a program, because I am back in school. I called Equitable Acceptance ( XXXX ) XXXX and they said that they were a loan company that I signed a contract to borrow the money to pay XXXX XXXX. I called XXXX XXXX, and told them what am I paying for, they did nothing to my account except put me in the exact same program that I was already in to begin with, the servicing that I have been doing for my self the whole time. They said well you signed a contract, you still owe the money with Equitable Acceptance. XXXX XXXX is out of it because they sold the loan to Equitable Acceptance. I am so unset right now. I don't want this to happen to any other students. I want my money back.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Designed Receivable Solutions, Inc. (CA)

I have disputed all of the Designed Receivable account entries that are reflected on all of my credit reports with the credit bureaus as well as with Designed Receivable. In my most recent communication to them dated XX/XX/XXXX ( see attached ), I specifically requested that they provide a summary of all account activities, copies of all charge slips, and all other documents proving indebtness, copies of all documents sent to me regarding the alleged account and copies of any papers that show I agreed to pay what is alleged bearing my original signature. To no avail. 

Designed Receivable responded in their letter dated XX/XX/XXXX, confirming that the accounts did not belong to me. In fact, they only referenced 1 of of the 4 accounts that they are negligently reporting. How so? Why were they not able to provide any substantiating documentation for the other 3 accounts. Designed Receivables did not provide a copy of the financial responsibility page, nor did they provide a copy of my signature with the provider of service to release medical information to them ( for any debt they are alleging is mine ). Designed Receivable did not provide a dunning letter prior to inserting these inaccurate, unverifiable derogatory entries on my credit report. 

To that end, DELETE ALL THESE ERRONEOUS, INACCURATE, UNVERIFIABLE ENTRIES FROM MY REPORTS. They lack veracity in their reporting. The date opened for the same accounts on each bureau differs. This is a violation of the FCRA. They are reporting that the accounts are past due and that is inaccurate as I have never opened an account with them nor have I ever did business with them. If these accounts were mine, they are reporting the hospital name on XXXX and that is a violation of the FCRA and FDCPA. In summary, there are many violations that are blatantly reflected among all entries on all 3 of my bureau reports. DELETE IMMEDIATELY!
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have notified my certified mail the credit bureau named Experian 3 times to validate and verify 2 accounts on my report. They come back with " verified '' or updated on my report. I asked for proof of verification to show me how this is indeed my debt and they never have any signed contracts or proof to send back.