davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of America I have noticed holds charges then submits to charge overdraft fees, example, I would use my debit on the XXXX for a burger and fry at XXXX, that transaction will hold 3 days then when account low, I become negative and they charge me, all my transactions are never in order.I was once charged a XXXX charge.I also filed a claim on a XXXX charge that wasnt r ight, I won it, recieved a letter stating its permanent for the bank to try and take it back out of my account and charge overdraft for it.Bank of America will hold transactions to charge fees.On XXXX I woke up and my bill pay went through, its XXXX, now at XXXX I go to the XXXX and buy XXXX $ eorth of stuff, you put yhat transaction before the bill from when I eoke up, so u can charge a fee.
Consumer complaint received 2016-03-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I obtained a line of credit from Union Bank to help me fix my house. I am divorced, I been thru a financial roller coaster hence my credit is not good, they will not help me refinance, every time I call them, they tell me I must have perfect credit to refinance into a conventional loan, meanwhile, they are charging me 7 % interest, for a line of credit, all the payments I pay monthly get applied to interest only. Even though I pay on time, they always claim I am short, they are calling me all the time disturbing me etc. but never willing to help me get into a better loan product, they give me a lot of headaches and I am just frustrated with this Bank. They finally told me that " they can basically do anything they want to me because they are not a XXXX owned bank and that they are owned by XXXX Investment company ''. I am in a dead lock and I do n't know what to do. With my credit being bad, no one else will refinance me and this bank has been totally taking advantage of my situation. My house has equity of close to {$300000.00} in it. but this line of credit is in XXXX position. I do not want to sell my house because the income I get from it, helps me pay my kid 's expenses. My experience with Union bank has been terrible. my financial situation becomes worse as I keep paying interest every month ( interest only ) with no hopes to be able to refinance anytime soon. I am a single mother of XXXX, I have a daughter in college and having been stuck in a horrible loan like this makes my entire financial situation worse. Union Bank has told me over and over again that they will not do anything to help me refinance to a conventional product but I want to at least have some principal come off my monthly payments every month. I want Union Bank to help me refinance out of this horrible product and hopefully get a loan with a better future outcome not XXXX that my payments keep going towards interest and the loan amount never changes!
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This letter serves as a final notice regarding the unverified negative accounts that remain on my credit report in violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-11-21
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. (CA)

I have been noticing that my credit report does not have my correct personal information and this is causing this unknown and inaccurate account to appear on my credit. I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing an item on my report that I never was associated with. I filed an FTC report as I was instructed to by TransUnion. I have sent in this report but this fraudulent item still remains.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX I purchased an airline ticket online with XXXX airline using my bank of america credit card. Airline emailed me a receipt for {$580.00}. However, bank of america added a foreign transaction fee of XXXX to my statement. When I called the bank of america their rep told me this is fee charged by airline and that I should speak to airline directly. I told him it was not airline because airline emailed me receipt without the fee. I asked to speak to the manager of that rep. Manager aknowledged the fee was posted by bank of america and airline. When I said there should be no fee for purchasing online, since I was in USA not in the foreign country, she said that was their policy for any purchases from foreign companies ... they didnt refund the fee.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Information : XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX
Consumer complaint received 2015-04-30
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (NC)

My mortgage company took XXXX payments, did not return the requested funds within XXXX days ( I filed a separate report ) and as a result of this, many payments were returned. Synchrony bank had just purchased many of my store cards, and they have systematically decreased credit limits or closed all of my accounts, despite requests to make allowances for this episode caused by the mortgage company. The cards and account numbers affected are GAP XXXX XXXX XXXX, Lowes XXXX XXXX XXXX XXXX XXXX JC Penney XXXX XXXX XXXX XXXX XXXX. These actions, while their right under the law, have taken my constitutional right to liberty. I have been a XXXX for XXXX years, have been employed with the XXXX for XXXX, make {$90000.00} per year, and now need to move, and can not even apply for a mortgage to assist my XXXX year old mother in FL. It is a crime.
Consumer complaint received 2016-01-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (TX)

Calvary XXXX XXXX received the COMPLETE debt payment in XXXX XXXX. They DID NOT give this payoff info to any of the credit bureaus. This resulted in me being UNABLE to ACQUIRE any CREDIT for the last TWO YEARS. They further lied to me and told me it was NOT their responsibility to report this payoff, and yet it was. They have INJURED my CREDIT WORTHINESS for TWO YEARS due to not properly reporting this info. 
When I spoke to someone at Calvary in XXXX XXXX, they did their best to throw me off onto trails of misinformation. Told me to call the courts, told me to call the other company, told me to call the other attorney ... a huge amount of nonsense, and days of phone calls and follow up, only to hear for the court and the attorneys that CALVARY was SUPPOSED to REPORT this PAID OFF DEBT back in XXXX.
Consumer complaint received 2016-01-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bull City Financial Solutions, Inc (OK)

Bull city financial sent me a bill for {$100.00}. I never received an original statement from the listed provider and asked bull city to give provider information to verify the debt and make payment to the original provider. Bull city refused to provide any provider information other than the name. An extensive search of records revealed that that individual is no longer in business in XXXX, does not work at any addresses listed, and does not have a functional phone number. this information was reported to bull city, who still refused to provide information to contact and verify the debt. Since that time, bull city has turned this over to credit agencies, negatively affecting my previously excellent credit score. If this is a legitimate debt, bull city needs to provide the providers information so that the debt can be verified and paid. Regardless, this needs to be removed from my credit report.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report maintained by your bureau. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I request an investigation into the following item ( s ) : Account Information : Creditor Name : XXXX Account XXXX : XXXX Description of Inaccuracy : I dont owe XXXX no money XXXX never had their service Explanation of Dispute : Fraudlent activity discovered on my account.Somebody used my information to start a XXXX account Request for Correction : I request that the inaccurate information be promptly corrected or deleted from my credit report, as it is affecting my ability to obtain credit on fair terms. 
Enclosed are copies of relevant documents supporting my dispute, including [ list any supporting documents such as billing statements, correspondence, etc. ].
Consumer complaint received 2015-09-28
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, 2015, I had proceeds from a debt consolidation loan issued to Macys to pay off an outstanding balance. On XXXX XXXX, the check was deposited by Citibank ( the owner of Macys store credit card portfolio ) and cleared my credit union which funded the loan on XXXX XXXX. 
The funds were never applied to my credit account and I can not get anyone from Macys or Citibank to respond to my emails. Their customer service is HORRIBLE and they simply seem to not care or push the issue off to another department claiming that someone will email me back in 3-5 business days. That timeframe has come and gone. I 've also tried calling their customer service number but consistently get transferred to an automated system that does n't allow me to resolve my issue. 
I did notice on the check that the credit union listed the last XXXX digits of this account number that appeared on my credit report they had pulled ( XXXX ). The card for this account was last a few months back so a new card was issued ended in ( XXXX ). Both accounts are tied to my name, address, phone number and SSN though and the XXXX account was simply transferred to XXXX so I 'm not sure if there was any confusion that Macys did not attempt to contact me before cashing the check.
Consumer complaint received 2015-11-04
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Resurgent Capital Services L.P. (MD)

Still mailing me after a C & D on XXXX/XXXX/2015 was faxed, faxed another on XXXX/XXXX/2015, another on XXXX/XXXX/2015 and now another letter has arrived. 

Exactly what has to be done to shut down blatant FDCPA violators? CFPB needs to step it up.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Forward to Equifax proof that original Debt from XXXX XXXX ; account was bought by XXXX XXXX XXXX. Equifax continually states that the debt is not in my Chapter XXXX bankruptcy documentation. Equifax clearly does not understand according to fair documentation of debt, if the debt is listed is chapter bankruptcy whether original Debt collector XXXX XXXX or the the new debt collector Holder XXXX XXXX XXXX, they must acknowledge that debt on my credit file as debt included in chapter XXXX bankruptcy. They have it listed under open and current debt never paid. They refuse to change or remove form open debt section, and list under closed account included in XXXX. I have repeated cases and documentation to show that I have forwarded a whole case file with my entire chapter XXXX BK, and they see the debtor listed, and refuse to update my credit profile as such. This is my 9 attempt through their website of legally trying to get my credit file current, and according to fair credit reporting agency. One of the biggest issue is wen you call you get an XXXX personnel states they can not understand what you say, or not abreast with current credit monitoring laws. It was stated to me, I due not have any legal right under fair credit reporting for updating these errors. I was even told regardless of my bankruptcy papers documented and clearly state the amount, date bankruptcy went into filing, and action they told me by phone it would not be fixed. Then I was told by Equifax personnel again a XXXX Rep, they did n't have documentation to confirm that I even had a bankruptcy. I forwarded three times by certified letter, and yet again they refuse to acknowledge and legally update to current BK information. Also they still refuse to remove the closed state lien off my file, especially when the state indicated in documentation that the state lien should not have never existed, cause I did n't have a lien in the first place. In clear heading at the bottom of the State Government affirmed documentation it states '' can not be listed on any credit agency website. '' Yet they refuse to acknowledge that saying documentation does not show that they can not list on web, indicated my personnel on phone.
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (NC)

Retaliatory conduct must be celebrated amongst credit collection agencies and credit bureaus, because here we go again ... A said XXXX agency has been contacting me but could never articulate the purpose for their call. The agents actually stated each time they called that they could n't find any information for me under my name or telephone, and that only a direct call system was processing the call. What is wrong with commerce today? So as it were, I filed a complaint against this company for harassing calls and markedly having no information to even justify their calls. They responded to the CFPB complaint and stated again ( exactly what I 've stated ) that they had no information to verify or connect me with any particular account and now claimed to have several accounts associated with a business name, XXXX XXXX XXXX. They still did not upload any documents to give record of any purported debt for me or the corporation. I disputed their response and spoke directly to the absurdity of the same. I just received a notification on today that a collection account for {$320.00} from XXXX has been reported by XXXX XXXX to evidently all XXXX bureaus. I guess this is the next logical step for a tortfeasor who has absolutely no regard for the FCRA or any law or ethics. Is this the trick? A person establishes near excellent credit and then purported collectors come out of the wood work to harass customers who have relieved themselves of " would-be bad credit '' status ... it 's like kindergarten for commerce ... I tell you directly as well in the regard of any said XXXX debt ... they should probably revisit this reporting of delinquency because I 've been with XXXX Insurance for quite some time, and quite frankly XXXX refused to extend me full coverage for my vehicle, which is required because I have financing ... so this is really not the road best for them to pursue.
Consumer complaint received 2016-03-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Bank of America had incorrectly reported to all XXXX credit bureaus that I had missed payments in my credit history. I contacted Bank of America to dispute this information and they advised me that I had to dispute this information with each individual credit burea, which I did. 
XXXX XXXX and XXXX both deleted the missed payment information, after their investigations but XXXX, after their investigation, advised me that the missed payment information will remain. Bank of America is still reporting to XXXX that I have missed payments. I have been late in the past, several times but I have NEVER missed an entire payment. Bank of America should correct the information they are providing to XXXX. 
I have filed several XXXX complaints against Bank of America and they have not resolved any of the complaints. Consumers should be aware that Bank of America is a dishonest company and they need to correct their mistakes but they will not.
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On XXXX XXXX, XXXX I began a 3 year loan modification term with XXXX XXXX XXXX whereby my {$1.00} XXXX mortgage ( Loan No. XXXX ) interest rate was reduce to 3 % and interest only monthly payments of {$6600.00}. This interest rate was to last for 3 years and then it would be raised to 5.25 % with 25 year amortized monthly payments of {$12000.00}. Although I was aware that I could not afford the terms of the mortgage after 3 years, I had no other recourse as I did not want the Bank to foreclose on my home. I also was of the expectation that the real estate market may re-emerge from the 'Great Recession ' to allow the sale of my house during that time period. 

I was current with the {$6600.00} payment when the 3 years ended. Being aware prior to the 3 years ending that the real estate market had not returned to where I can be successful with a conventional sale of my home, and furthermore, that I could not pay the new upcoming monthly mortgage amount of {$12000.00} come XXXX XXXX, XXXX, I began to request from XXXX XXXX XXXX in writing early in XXXX to revise the loan modification agreement so that the 3 % rate will be extended beyond XXXX XXXX, XXXX. XXXX XXXX XXXX delayed and did not revise my loan terms, but instead, on XXXX XXXX, XXXX, my loan was transferred to Nationstar Mortgage for servicing ( Loan No. XXXX ). My appeals for a modification of the loan terms continue with Nationstar, however, I am being quickly denied the modification on the basis of negative income, and at this time am being threatened with foreclosure. A Notice of Default was filed against me earlier this month ( XXXX XXXX ). 

My income is presently {$120000.00} per year and my income will increase by another {$25000.00} per year come XXXX XXXX, XXXX due to an upcoming monthly retirement payment that will begin at age XXXX. I have the means to pay a lower interest mortgage payment on my current home. Furthermore, the real estate market condition in California has improved dramatically during the past several months to where it is feasible for me to now sell my home and pay my outstanding loan balance. Accordingly, in an effort to avoid the foreclosure, my home is presently listed for sale. It has not sold yet but we have a good level of activity and expect to have a sale soon. However, the looming threat of foreclosure from Nationstar, and the filing of the Notice of Default, have reduced our options in comfortably pursuing the sale. 

My loan violates Fair Lending laws and practices as it increased to an unaffordable monthly payment of {$12000.00}. Furthermore, I have become aware that my loan had been electronically sold via MERS on several occasions and the rightful holder of my Deed of Trust is not known. I am requesting your help in assessing the violation of fair lending laws and guidelines with regards to my loan. I ask for your assistance to curtail an unjust foreclosure before I succeed in selling my home.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX sent loan discharge information to close out my XXXX Loan account with XXXX University to Transunion Credit reporting bureau. Transunion keeps insisting they do n't have discharge information. I have spoken with both XXXX and Transunion on several occasions and XXXX insist information was sent to Transunion. Need help in resolving this dilemma. I file a dispute with Transunion no response to this correction.
Consumer complaint received 2015-09-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

I had a negative experience with Caliber Home Loans. I first received a notice of delinquency from the County Assessors office in XXXX XXXX, indicating that my property taxes had not been paid for the XXXX property tax year. I contacted the lender several times, and was unable to get a clear answer on the situation. I was assured multiple times that they would be handling the issue, and paying the taxes, and that I would not be responsible for any late fees, and penalties as a result of this situation. 
In XXXX XXXX, I received a certificate of redemption from the tax collectors office, stating that my taxes had finally been paid. However, after receiving the Annual Escrow Account Disclosure from Caliber Home Loans, I realized that they had paid the XXXX taxes, in addition to the late penalties, from my escrow account. I am not responsible for any late penalties accrued, due to late payment of the XXXX property taxes. I contacted Caliber Home Loans to let them know that they had erroneously withdrawn late penalties from my escrow account, and that I should not have been responsible for their mishandling of my account. In discussion with customer service, and after their refusal to allow me to speak to a customer service supervisor, I was told that the reason the taxes were not paid was due to the false allegation, that I had supposedly given them the wrong lot number for my property. Caliber Home Loans acquired my loan from XXXX in XXXX of XXXX. Caliber Home Loans paid the XXXX taxes upon receiving my loan, without issue. All the necessary information pertaining to my property is on the trust deed, which they 've had since acquiring my loan from XXXX. 

In addition, as a result of their mishandling of my escrow account, the new Annual Escrow Account Disclosure statement activity for the next 12 month cycle indicates an unrealistic shortage amount, which is not in accordance with RESPA recommendations.