davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I put my settlement check in to bank of america and not once did they tell me my account was closing and they refusing to give me any response and have been giving the run around for three weeks with different lies. I been tryning to be patience but they are refusing to give me all my money and ca n't not give a reason for why its taking so long. Im still waiting for my money to this dayXXXX
Consumer complaint received 2024-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX, I purchased a vehicle through financing with Navy Federal Credit Union. After the purchase, Navy Federal requested that I sign a promissory note online. I declined and requested a physical promissory note to be mailed to me. Despite agreeing to this, Navy Federal never mailed the document. Nevertheless, Navy Federal began withdrawing a total of {$1600.00} from my account before I had signed any valid promissory note, in clear violation of UCC provisions regarding negotiable instruments.

To resolve the issue, I visited a Navy Federal branch, where I was provided with a one-sided, invalid promissory note, which included the phrase " applicant retained this copy. '' Despite this note clearly being incomplete and invalid under UCC 3-104 ( which requires a valid, complete note for enforcement ), Navy Federal continued to treat it as binding. I endorsed the note with paid to the order of Navy Federal Credit Union without recourse, releasing myself from liability, and mailed it via certified mail. Navy Federal accepted the document but continued to demand payments without addressing the invalidity of the note. 

Under UCC 3-305, Navy Federal did not possess a valid instrument that would entitle them to enforce the terms of the loan, as the note provided was incomplete and one-sided. Their actions in withdrawing funds without a valid, signed promissory note constitute a direct breach of their obligations under UCC 3-301 ( Person Entitled to Enforce an Instrument ). 

Due to these unauthorized withdrawals, I was left unable to afford legal action and faced significant financial harm. These withdrawals also damaged my credit score, as Navy Federal continued to report the loan inaccurately, despite having no valid signed contract in place. 

On XX/XX/XXXX, I discovered the existence of a valid promissory note, which I had never signed. Navy Federal never provided me this valid note, yet they acted as though I had agreed to its terms. This is a further violation of UCC 3-104, as the original document I endorsed was invalid, and Navy Federal misrepresented the legal status of the note. Despite this, they continued reporting incorrect information to the credit bureaus, causing ongoing harm to my credit. 

I now possess : The signed, invalid promissory note ( provided by Navy Federal ), which contains the statement " applicant retained this copy. '' The valid promissory note ( discovered on XX/XX/XXXX ), which remains unsigned. 
I am uncertain whether I am under a valid contract for the vehicle, and Navy Federal may have improperly used the invalid promissory note for fractional reserve banking without ever rectifying the situation.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I am seeking your help with the false information on my credit report that has been damaging my reputation. Your poor management of my credit report has brought me considerable distress, and I need your assistance to fix this issue. These errors need to be removed so I can live without worry with my family.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-02-10
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Check Security Associates, LLC (CA)

Was recenty contacted by several family members stating that they were contacted by XXXX XXXX @ XXXX Case # XXXX. That is fine to locate me but it was disclosed that they were trying to collect a debt, and gave my banking information. To another family member they represented themselves as attorneys, and that they needed a statement for a pending judgement case. To my understanding both of these are violations of the FDCPA, and I would like to know what can be done about it. I am not saying the debt is not mine, but I am not sure if a law has been broken here, I need to know what recourse I have in protecting myself. I mean if I give them my payment information whose to say they do not take more than I owe if they are willing to break the law to try and contact me.
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America is reporting two mortgage late payments on XX/XX/XXXX & XX/XX/2011. I made those payments on time via XXXX, Bank of America on line payment system did n't work so the payments were posted late. The irony is that I have my checking account with Bank of America, so they just simply needed to transfer the payments from my checking account to the mortgage account with themselves and they failed to do that. Now they refuse to fix the issue because the loan was transferred to XXXX and they do n't care to do anything neither the new servicer. I am applying for a Mortgage and this issue is affecting my credit. Please help.
Consumer complaint received 2015-09-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

We missed paying our balance in full by {$3.00} last month. We were charged {$9.00} in interest for that month and {$22.00} the next month, for a total of {$31.00} for a XXXX time {$3.00} error. Is n't that an excessive amount? 

The credit card company did waive the second interest charge, but I still think an interest should be charged on the amount past due and not on the total balance.
Consumer complaint received 2015-04-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE (CA)

Cash rebate credit card is co-branded with XXXX XXXX to directly apply cash rebate to a student loan. Follow up with recipient ( a relative ) of my directed cash rebate indicated it has not yet been applied. Letter was written to Barclay Bank, issuer of credit card with a copy to XXXX ( successor to XXXX XXXX ) and sent on XX/XX/XXXX. To date no response has been received from either party.
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

In XX/XX/XXXX, I applied for the HAMP with XXXX Bank. XXXX month into the " Trial Period '', my loan was sold to BSI Financial, which has been a nightmare from the start. My HAMP paperwork clearly states " The terms of your Trial Period Plan and your Modification Agreement will REQUIRE us to establish an Escrow Account if your loan does not already have one, and to set aside a portion of your new monthly payment in this escrow account for payment of PROPERTY TAXES, INSURANCE PREMIUMS and other required charges as they become due. I filed a complaint back in XXXX, after BSI stopped escrowing my Homeowners Insurance. Reference Complaint # XXXX. On XX/XX/XXXX BSI responded. Per BSI ( our records indicate that the REQUIRED Homeowners Insurance Escrow issue was corrected. This was an error and BSI apologizes for any distress this may have caused. ) Today when I went on my BSI website, I saw that it was no longer being escrowed. I called BSI Financial and was told that " they were no longer tracking my escrow and that Homeowners Insurance was to be paid by me. '' This is clearly not what my modification states. When I reach out to the HAMP website, it clearly states that Property taxes and Homeowners Insurance must be escrowed. I thought this was resolved back in XXXX!!
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

That Transunion needs to update in the Payment and/or Account Payment History the status for each month. These areas are incomplete as of this writing. 
The amount past due is incorrect {$58000.00} the amount past due amount based on their letter of acceleration dated XXXX XXXX, XXXX is AMOUNT PAST DUE {$2900.00} The account is only 120 days past due as of XXXX XXXX, XXXX. 
MY CREDIT SCORE SHOULD BE BASED ON THE FORECLOSURE IN XXXX NOT XXXX
Consumer complaint received 2015-09-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: California Business Bureau, Inc. (CA)

Hi, my problem consists in an older case which apparently is the root cause of my credit score is not optimum reflecting my behavior. I found this problem last year when I approached a mortgage broker to qualify for a mortgage. Once he brought up this info ( which is ridiculous as all XXXX totals in {$190.00} and all XXXX were paid in full ). 

California Business Bureau ( CBB ) is the credit collection agency which I have tried calling to remove the XXXX collection reports which they in all XXXX cases told me verbally that if paid within a 30 day time limit it would not enter my credit report. I paid all XXXX incidents immediately upon the notification but apparently they did not keep their work. Every time I called them they reject me. 

I 'm not very familiar with credit score, however my mortgage broker suggested I should try to fix the score before applying for a mortgage as my score would be significantly higher resulting in a more affordable mortgage - and nobody is in debt nor is the balance in question of significance. 

CBB has never notified me about any rights to dispute their filings, hence it was left on my credit report for a while until I found it via the mortgage broker. However I found on the internet someone suggesting to file a dispute with the credit agency. I 'm not sure what to write and who to address, CBB? XXXX? Fico? ... 

As I would really like to be able to afford a permanent home for my kids to be raised in, can you provide me some guidance on how to proceed with this, please?
Consumer complaint received 2016-03-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We refinanced a house in XXXX of XXXX. Our Bank of America mortgage was sold at that time and the account closed. As of XXXX XXXX they are still reporting late payments. The account even says closed XXXX. We discovered this in XXXX of XXXX and asked them to accurately report. They have not done so. I am trying to purchase a new home and this is still an issue. They wo n't return calls or fix the issue.
Consumer complaint received 2015-07-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (IL)

I have a Wells Fargo Home XXXX XXXX loan which is due the XXXX of the month. My XXXX payment was due on XXXX XXXX and my payroll direct deposit was XXXX XXXX. I scheduled my payment via Wells Fargo online system for XXXX, XXXX when funds would be available to cover the {$100.00} payment. 

When I received my statement several days later I found that I had been assessed a {$35.00} late fee, which has increased the XXXX payment to {$130.00}. When I call to ask why a late fee was assessed for a payment that was made 2 days past the due date I was told that Wells Fargo does not offer grace payment periods. When pushed further as to why, no explanation was given other than they do n't. The representative said Wells Fargo would give me a one time credit, but it requires me to still pay the {$100.00} plus the {$35.00}. The {$35.00} will then be credited to the outstanding balance. So I still have to come out of pocket for the {$35.00} late fee. 

I have never known a card or loan company not to have any type of payment grace period. Even my mortgage has a 15 day grace period. I feel that Wells Fargo is bilking their customers, and they should be made to stop this practice. Even if all they established was a 5 day grace period, that would be reasonableand fair.
Consumer complaint received 2015-11-03
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I had a XXXX XXXX Secured XXXX. The Card was opened XX/XX/XXXX. I put down a {$150.00} Security Deposit towards the secured card. XX/XX/XXXX I was 120 days late and owed {$160.00} XX/XX/XXXX. Without any notice XXXX XXXX applied my security deposit towards the balance of my account XX/XX/XXXX. XX/XX/XXXX I logged into my online account and made the required minimum payment due of {$160.00}. XXXX XXXX did not tell me my account was closed or that the security deposit was applied to the balance. XX/XX/XXXX the balance was XXXX. XXXX XXXX sold this account to Portfolio Recovery Associates. I have disputed this debt with XXXX XXXX, PRA, and all XXXX credit reporting agencies. They all respond that the debt has been verified pursuant to FCRA and is correctly reporting. My credit report incorrectly states the balance on this account is XXXX when it was XXXX. This account was closed by XXXX XXXX and Not at my request and while the account had been brought into good standing. They are incorrectly reporting that XX/XX/XXXX I was 150 days late when XX/XX/XXXX I made the minimum payment due of XXXX on XXXX five days before the due date of XXXX. The Account was charged off XX/XX/XXXX despite the fact the account was brought current XX/XX/XXXX. XXXX XXXX and PRA refuse to correct any of these egregious errors. All XXXX credit reporting agencies also have the proof of this account status and refuse to correct the account.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I recently reviewed my credit report and noticed account that was not reporting accurately. I had 2 late payments on the account that in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account was not late. I requested proof of the previous investigation, I requested records, of who they spoke with, their business address and information, and phone numbers, as well as documentation that the account was late, I asked if they can not provide me with information within 15/days paid never late and requested updated copy of my credit report. As of today, no documentation has been provided. I attach copy of my reporting complaint for the following dates XXXX, I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

Account XXXX XXXX XXXX XXXX stated 90 days but current for XXXX and XXXX please update correctly. 

XX/XX/XXXX stated 90 days, but the month of XX/XX/XXXX was current, please update correctly as current. 

Lastly, please update my name correctly as XXXX XXXX not XXXX XXXX XXXX- please see attached DL and Social card
Consumer complaint received 2016-03-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (VA)

This company calls me upwards of 3 times in 10 minutes all day long. I 've repeatedly answered these calls and asked that they stop calling and that I am protected from this type of harassment by federal guidelines - at which point they hang up. I 've also asked that they mail me information regarding the debt - I have not received anything since the request I put in 9 weeks ago.All of their repeated calls are done via an auto-dialer. If you do answer XXXX of these calls they typically drop the call if an agent is not free, and then will call you again 3 minutes later. It 's become completely harassing in nature. I am more than willing to talk to someone about paying off whatever it might be that I owe, but I will not respond to a company that uses these types of tactics to recover debt ( which I am fairly certain is less than {$1000.00} ). I 've asked to speak with a supervisor and I 've ever been hung up on OR placed into a voicemail for someone named XXXX XXXX and not transferred to a live person.
Consumer complaint received 2024-09-03
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2015-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Source Receivables Management LLC (WI)

I complained to XXXX when I closed my account with them that I was disappointed with their service. I was told that I would not owe any early termination fees as I was outside my early termination period. I have since then received a phone call and XXXX letters, all from different debt collection agencies, requesting I pay an early termination fee or they 'd report it on my credit report. I instructed all XXXX debt collectors that it is not a debt that I owe because I was told there would be no early termination fees because I was outside my contract term. XXXX of the debt collection agencies did place it on my credit report which I had to fight to get removed.
Consumer complaint received 2015-09-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

Bank XXXX XXXX was charging us {$49.00} late fee then XX/XX/XXXX drop our late fee to $ XXXX.PennyMac bought our loan in XX/XX/XXXX.We contacted them because they sent us a payment showing we will be charge {$49.00} late fee we send them paper work to show that we have been charge any late fee of that amount since XX/XX/XXXX.But they are saying it will be {$49.00} late fee no matter what.
Consumer complaint received 2015-05-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (WA)

I have been making my payments via automatic deposit. I have set it up so that I pay more than what is due. I recently noticed that my account said that my next payment is not due for another XXXX months. I had intended the extra money per month to go towards the principle of the loan. I called Great Lakes and asked them to do this. The customer service lady gave me the run around and eventually told me she could not do that. However, Great lakes website says that I CAN in fact do that and that there is no penalty in doing so. They are charging me interest daily and I tried to explain that I did not want to get charged daily interest on a principle that I was trying to pay down.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

All of the below companys have used my credit report improperly. By law, if I refused to pay a debt a collection company has to stop all contact including reporting to my credit agencys. Also do not have any debt with the companys below nor have I signed a contract with them. I have disputed these account several times. Also I have not received a contract of debt from any of the following companies and would like proof of any contract I signed from there company and proof of validation of debt. Also they are reporting late, missed payments when I never agreed and actually am denying debt owed to them. These are the accounts below I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00}
Consumer complaint received 2024-09-03
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.