davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-31
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had a checking and savings account with Bank of America. Both accounts were transferred to Bank of the Cascades automatically, without my doing anything, early in 2016, when XXXX took over some Bank of America accounts. The checking and savings accounts I had with Bank of America were free - NO FEES because I had a combined balance of over ten thousand dollars. But my the last Bank of America statement, just before the balances were transferred to the XXXX XXXX, Bank of America took {$10.00} from my savings and transferred {$42.00} instead of {$52.00}. I called Bank of America in XXXX 2016 to ask why, and during that call it was agreed the {$10.00} fee should not have been taken out and they would send me a check for {$10.00} to my mailing address - a PO box . They said the check should arrive by the first week in XXXX, by about XX/XX/XXXX16. It never came. So today XX/XX/XXXX16 I called XXXX to see if maybe it was sent to them or transferred into my account - it was not. I asked them to tell me who to call at Bank of America about this. They told me to call XXXX. I did, and a very snippy woman named XXXX said she sees the request on record for the {$10.00} to be sent to me but it was not sent to me because the bank employee who requested it did not have authorization to do it. She said only members of the " Transition Team '' can place those requests and she said the bank employee who made the request to send me my refund check " was not a member of the Transition team and never has been '' and she went on to try to chastise ME for not putting my request in with the right person. Keep in mind this woman can clearly see into my account history and she can see the issue was reported, that the money was taken and due to be refunded, but her only concern was to tell me I was at fault for not speaking to the right person in the right department. I told her if they would not send me a check I 'd report this issue for investigation with federal agencies, and her reply was to say, sure you can do that if you want - instead of offering to help me or instead of offering to correct the problem and sent me the {$10.00} check. Her attitude was that I put in my request for a refund with the wrong department so it 's my fault I did n't get the check and she had little more to say.
Consumer complaint received 2016-07-08
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (PR)

Midland Management sued me after the statue of limitations had run out on a credit card account that was time-barred. The card still appears as an open account on my credit report which I recently ordered. Midland Credit Management XXXX claimed that they bought the credit card account from XXXX and that makes the card a personal account now, and thus, it is no longer an open account. I have never seen anywhere in all the research that I have done that an open account becomes a personal account after it is sold. In XXXX, the statue of limitations is three years on an open account and fifteen years on a personal account. If they can claim this as their defense then how is the statue of limitations protecting consumers if rules/laws can be changed to benefit these companies that buy these accounts on XXXX cents to the dollar and then add other charges? I would be interested in knowing if this is true in other states or only in XXXX? This is hurting many working families in XXXX and I feel that it is causing more damage than the XXXX debt we are facing because these are individual families. Removing the statues of limitations as a defense against these giant corporation leaves the consumer at the mercy of these heartless and immoral company.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2016-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Rent Recovery Solutions (NC)

I am trying to have a dispute I placed removed because I no longer dispute the debt after receiving information they provided. They refuse to do so and it is affecting my credit. The communication I have with the individual handling the case is is rude and she intentionally tries to provoke me and informs that I do n't have the right to have it removed and they will report it now as part of my permanent record. lI have set up a payment plan and still she will not remove the dispute comment on my credit report. I have called and sent written notice. I asked to speak with her supervisor and was told there is no one higher. when I explained I was trying to get a loan as well she said awww. She attempts to provoke me to anger and tells me that they have to report things as they occur. I said that it follows then that they have to report that I am no longer disputing it. She said no they do n't. I am fed up and frustrated. They are holding back my credit by doing this and from her comments they do it on purpose. And seem to enjoy it. The worst part is that it is a debt my son incurred but I signed as a guarentor of payment. He never moved into the apartment because he was pulled away by the XXXX XXXX XXXX for training. He paid some rent and could n't pay the rest so it has gone to these people for collection. He never lived in these apartments. I understand I still have to pay the debt and am attempting to do so but for this woman to be unwilling to remove the dispute comments from my credit and to antagonize me over the phone like this is just wrong.
Consumer complaint received 2016-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

I continue to receive phone calls from Wells Fargo Home Mortgage that are harassing. They will call me, I answer, the representative will wait on the line from XXXX7 seconds and then release the call. I have repeatedly called back to gain assistance from " supervisors '' as to why the harassment continues and they can never give me a reason. I am transferred around for a minimum of XXXX30 minutes to no avail. Today I was told, " the employee that called said you were unavailable '', which is falsifying company documents. They are required to state who they are, the company with whom they are calling from and the business reason for the contact. The supervisor I spoke to today stated, " Well, if you know it 's about your mortgage what does it matter if they 're hanging up and not speaking? ''
Consumer complaint received 2016-07-08
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC (OR)

I signed up for an Installment Loan from Big Picture Loans LLC on XXXX/XXXX/16 due to a job change. The agreement that was sent to me showed that I would have the {$400.00} loan paid off in XXXX payments. After signing up for the loan, the interest rate showed 847.9002 %, and that the total finance charge to them would be {$1800.00}. The total of the repayments will be {$2200.00}. If this was available to view with these details before " signing '' anything, I certainly would not have done it. 

After doing some research, I was directed to this site due to the seemingly illegal operation of this company.
Consumer complaint received 2016-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (DC)

My servicer, FedLoan/PHEAA, is alleging that dozens of my Public Service Loan Forgiveness payments do not qualify toward my 120 qualifying payments. I have worked for XXXX and I have submitted forms each year according to the instructions on the form. The form clearly stated at one point that if an employee is still at her current job she should write " today 's date '' on the form. It now has a box that users can check that says " still employed. '' I filled out my forms each year according to the instructions, either putting " today 's date '' or checking the box, and now my servicer is not counting each certification as if I employed at that employer. Rather, they are using the " current '' date as my " end '' date. 

After filing annual employer certifications for five years, it is astounding to me that my servicer, FedLoan, has been miscounting my certifications all along. Nobody notified me about any of five forms I submitted. I only found all of this out when I had a separate problem with FedLoan. They are now saying that I must go back to my previous employers to have them re-certify my employment. 

After calling FedLoan, they instructed me to only submit forms when I leave employers, rather than submit forms each year. Now I do n't know which advice to follow -- to submit annual employer certifications or just wait until I think my 120 payments is up. What is the point of trying to stay current with my PSLF certifications if I am just going to have to go back and do this all over again?
Consumer complaint received 2017-01-30
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (PA)

We bought a sofa and chair with their protection policy XX/XX/XXXX at JC Penneys and put it on my Penney 's credit card since it was three years interest free. We then order a recliner from them to match XX/XX/XXXX and was told it was one year interest free. I was concerned and the saleslady said they applied your payment to the first promotional balance first. This summer we noticed that our bill, which I had been making online payments to get rid of was almost right back where it began. I called and they explained that the chair had acrued interest because it was n't paid off by XX/XX/XXXX. We called and messaged JC Penneys trying to resolve the issue and then noticed even when we were making monthly payments they were charging late fees. For example, I paid two payments for XX/XX/XXXX to avoid any fees, etc. I noticed that we received a late fee and interest today. I called and the lady explained that I paid too soon but saw I made two payments for more than the minimun so she reversed both the interest and late fee. I then told her I noticed that this issue on past bills. She was going to open a case to see if they could look into the promotional balance issue. I have been going around and around with J C Penneys. So our furniture will now cost us more than double. Can you tell us if there is anything we can do to resolve this? Any help would be appreciated. Thank you for your time.
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have about XXXX hard inquiries on my credit report that arent from me!! Also i noticed on my report there 's info from supposedly me that dates back to XX/XX/XXXX. I was actually XXXX since i was XXXX so its false.. my birthday is also off by a year. It states XX/XX/XXXX. My birthday is XX/XX/XXXX. I would appreciate it if my credit report was analyzed because theres so many disputes its ridiculous. Thanks
Consumer complaint received 2024-11-12
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. (AZ)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Consumer complaint received 2017-01-31
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (AZ)

The company refused to provide verification of debt nor any details about the debt. We made a good faith effort to find out what this debt even was. " XXXX, '' the first agent was given the account number and was able to pull up my name. We asked several times to disclose to us what this debt was for. She insisted on acquiring personal information which we stated from the start - we would not disclose ANY personal information until we were able to verify the validity of the debt and the authenticity of the " collection agency. '' She already had an account number and my name. 

My advocate asked to speak with her supervisor, we were on hold for some time ; when " XXXX '' did finally come to the phone, we explained in detail what happened with XXXX. XXXX argued with us that we were required to provide personal information to her. Under the Fair Consumer Protection Act I know this is indeed not true. It is my right to protect myself and request validity of their identity and supporting documentation proving their claims. XXXX refused and argued, she would not provide verification of the debt, she became aggressive, she threatened me with a judgement ... again without any verification of the debt and the call was abruptly ended.
Consumer complaint received 2017-01-30
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CNG FINANCIAL CORPORATION (CA)

I have an XXXX loan from cash-n-go. Every time, Cash-n-go process my payments through direct deposit, I was charged for additional 12-14 days of interest. The reason was waiting for the fund to clear from my bank. I went to see why their so much time delay for the bank to pay the loan but XXXX said no that 's not the case. The bank pays the next day after the business process it. Chas-N-Go had charged me XXXX times such extended interest for a reason not mine or my bank 's fault. Cash-n-go has lied to me by stating false information, and they charged me {$200.00} each for a total of {$1000.00}. I was rubbed in a daylight. 

If needed I can present my paper from the bank and Cash-n-go. 

thanks XXXX
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted them to dispute items that I did not recall or recognize on my credit report. I requested that documentation ( i.e contracts or agreements to pay ) with my signature be provided to me to validate that the accounts were mine. I received a summary of disputes, bot not one piece of information validating that any of these accounts belong to me. It is my belief that these accounts can not be validated and that is why the information I requested was not sent to me. It has been over 30 days since I requested this information.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have checked the credit score every Six weeks with XXXX on XXXX website which is from Transunion.com. Every time I checked it drops another XXXX points. This happens every XXXX to six weeks. 
I am never late, I do not have new accounts or new inquiries. I do not max out accounts. There is no logical or obvious reason for the drop except Transunion feels like taking XXXX points every time they feel like it.
Consumer complaint received 2017-01-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I opened a XXXX checking at WellsFargo bank in XXXX to use periodically. I explained to the rep who opened the account my intentions. I used the account as discussed and last use was XXXX XXXX. On Friday XXXX XXXX, XXXX I logged into my account online only to see a notification my XXXX checking was closed. No prior notification was given. I spoke to a rep the next morning who had no care or empathy for the matter. After several minutes of complaining she finally agrees to send my complaint over to an internal department. I just received that call back from an individual who says he does not have access to my account but the disclosure was given at account opening and they are not required to give me any further notice. He was not going to take any further steps to research the issue and they are unable to reopen the same account. I am a 15 year customer who refinanced my car and establish other business at WF that I now regret. These reps are disrespectful and the only solution is to open a new account. So they force close accounts in a very quick time frame only to then make you open a new one. Is this the new tactic to make it seem they are opening lots of new accounts? It appears WF should be investigated further. I will take my business else where.
Consumer complaint received 2017-01-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Partners for Payment Relief (NM)

I am hereby requesting your attention and assistance in resolving the conflicting issues on the second mortgage as depicted in the sequence of events listed below. We have been contacted with overlapping claims from several companies on the second mortgage ( HELOC ). 
Chronological sequence of events : 1. Acquired mortgage from XXXX XXXX on XXXX XXXX. 
2. XXXX XXXX XXXX sold the first and second mortgage to XXXX. 
3. XXXX XXXX,, XXXX XXXX sold the first mortgage to XXXX who then transferred loan servicing to XXXX XXXX. The first mortgage was restructured and continues to be serviced by XXXX XXXX. XXXX retained the second mortgage ( HELOC ). 
4. XXXX XXXX, XXXX The HELOC was discharged according to my credit report. 
5. XXXX XXXX, XXXX XXXX sent " offer to satisfy '' letter for the HELOC. 
6. XXXX, XXXX XXXX filed for Chapter XXXX. 
7. XXXX XXXX, XXXX XXXX sold the HELOC to XXXX for servicing as a result of the Chapter XXXX. 
8. XXXX XXXX, XXXX XXXX letter informed me that the HELOC was " charged off '' according to records acquired from XXXX. 
9. XXXX XXXX, XXXX XXXX issues an Assignment of Mortgage to XXXX. 
10. XXXX XXXX, XXXX XXXX assigns Power of Attorney to XXXX. XXXX XXXX, XXXX XXXX transfers servicing to XXXX XXXX XXXX XXXX, XXXX. Shortly after, XXXX XXXX XXXX XXXX, XXXX transfers servicing to XXXX. 
11. XXXX XXXX, XXXX XXXX issues an Assignment of Mortgage to Partners for Payment Relief. 
12. XXXX XXXX Our attorney send a letter to the attorney representing Partners for Payment Relief in an attempt to reach a settlement, although the last payment on the XXXX, XXXX XXXX, is past the 6 years Statutes of Limitations. Our attorney reached again in XXXX XXXX. No formal response has been received from Partners for Payment Relief to this date. 
13. Our attorney is formulating a legal Quit Title in order to clear the clouded title as a result of the second mortgage.
Consumer complaint received 2017-01-31
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

TOYOTA MOTOR CREDIT CORPORATION has no legitimate claim I to my consumer property. They are not a party to the contract I signed with XXXX The Contract listed XXXX as the CREDITOR/SELLER. 

TOYOTA MOTOR CREDIT CORPORATION is not Holder in Due Course of my Consumer private property. I feel that TMCC has conspired against me along with XXXX. I was not given FULL DISCLOSURE and COSUMATION pursuant to Regulation Z of the Truth In Lending Act. 

I have sent out communication via certified mail to TMCC to resolve this matter privately, which they have disregarded, violating my Federally Protected Consumer Rights. 

TMCC has now placed a repossession order on my private consumer good. I am being intimidated by a repossession man and tow truck at the front of my home at which I had to call the police at around XXXX XXXX/XXXX/2017.
Consumer complaint received 2017-01-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

I have been trying for years to get my mortgage company ( Ocwen ) to work with me due to income loss in my family. I tried for years to get a loan modification but they refused to grant it, stating that because I missed a mortgage payment I was in-eligible. I then applied for a short sale and they finally approved it XX/XX/XXXX but unfortunately the buyer decided not to move forward. I then hired another realtor to put the home back on the market and we got a contract right away. I called Ocwen to inquire if there was an auction date for the pending foreclosure and they told me no date had been set. I requested a short sale package and they told me to download the package and that they would also mail one out to me ( but they never mailed one out ). I had just completed the package when I got a certified letter on Saturday XX/XX/XXXX with a notice of an auction date for XX/XX/XXXX at XXXX. I called Ocwen immediately and spoke to an escalation manager who then told me that they had called a number that I have never had or used. He told me that the sale date was set on XX/XX/XXXX but I was told on XX/XX/XXXX that there was no sale date. I then called Ocwen this morning ( Monday XX/XX/XXXX ) to ask for the current contract to be considered and they told me that they would deny it. I am a single mom with XXXX young boys who have been trying to get Ocwen to work with me but it has been the biggest challenge and now they want to foreclose on me even though I have a contract of sale. I am asking for representation to appeal to Ocwen to cancel the sale date and work with the contract of sale that we currently have. I am currently living in the property with my young sons.