davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (NC)

Borrower : XXXX XXXX XXXX XXXX Loan Number : XXXX BB & T Loan Number : XXXX Recorded Date : XXXX Principal Balance : XXXX address : XXXX XXXX XXXX, XXXX XXXX NC XXXX Rate : 7.250 % Current pre UPB XXXX, after Servicer mod UBP proposed to be XXXX Payment : XXXX/XXXX/2015 ; New Term : 480 months, maturity date XXXX request and concerns : Refer to attachments. Borrower was advised by servicer BB & T that HAMP, trial period offer was printed and sent in error. BB & T servicer then advised borrower and XXXX XXXX XXXX verbally on the phone that the original HAMP, TPP was an error. Offer was not mailed to correct the error. The borrower was advised over the phone to take what was verbally offered or the foreclosure would move forward. Be advised that no correction modification was mailed to the borrower per request from the borrower and no signature modification is recorded or on record. Be also advised that the borrower would have never been aware of the error had she never initiated the outbound call to the servicer to confirm the mailing address was correct to assure the servicer received the original HAMP TPP was received before the designated deadline. 

Per XXXX XXXX guidelines the borrower is requesting a fair review and a new trial period with the original offer of payment at {$0.00} identified as a forbearance period of 3 months, refer to the attachment and rate while this violation is under review and all workout options per waterfall as listed in attached XXXX XXXX directive are considered. The borrower also request a reduction to the current interest rate of 7.25 % to a rate of 2 % and term to 480 months. A complaint is currently filed and in review with the following financial agencies : Servicer BB & T ( servicer ) executive compliant department, Federal Housing Finance Agency, Consumer Finance Protection Bureau. We ask that XXXX and CFPB investigate and confer with XXXX XXXX XXXX investor XXXX the operation and servicer 's performance as a delegated entity on the behalf of XXXX XXXX. We suggest all loss mitigation timelines and foreclosure operation task be reviewed by a third party firm for designated servicer participation agreements, compliance and regulatory error. We ask that a random audit of servicer 's internal mailers be reviewed for more than one workout mailed to additional borrowers and not honored. This error flags servicer and investor violations and places borrowers at risk. Keep in mind this is one violation. There are XXXX if not more and by more than XXXX servicer. Feel free to contact, XXXX XXXX XXXX, and XXXX XXXX XXXX at XXXX XXXX ) XXXX, former senior mortgage XXXX consultant to XXXX XXXX.
Consumer complaint received 2024-10-16
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2015-03-29
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Law Offices of Palmer, Reifler & Associates, P.A. (TX)

after i was trying to figure out why i got a second notice from a city slicking debt collecting. when i called i got some foreign guy answer the phone EASILY PULLED UP MY FILE ON HIS COMP and i asked him why did i already paid this company ( he said there was XXXX companies XXXX and XXXX XXXX i asked him how is XXXX charging me if i already wennt to jail thats extortion to the max. regardless of what paper i signed. then he said i owed a total of XXXX and that XXXX was charging me 300 and some dollars even thoe i already paid them and took care of them. also XXXX said they would give me a call to come in and talk after i already paid and figure out what we were going to do. that was XXXX 2014 and its now almost XXXX. I also had both the XXXX of my stores pat me on the back and say they are going to call me and we are going to get past this and get me back on the schedule. i told XXXX of those dms today and he acted like this was the XXXX time he heard of it. but back to the debt collector. he started raising his voice at me not letting me get a word in and wouldnt listen to the question i was asking. i asked him several times and he would dodge it. i asked why does it say walmart and he starts talking about XXXX. i asked about gamestop he avoided the question and talked about XXXX qibberish that had nothing to do with case. then when i keep asking questions he started getting loud and yelling at the top of his lungs to call tomorrow then hung up on me. i called again and i got this lovely women on the phone. she said her computers where down even thoe XXXX mins ago he has all my info and the account info pulled up and the all of a sudden their computers dont work? weird. then she randomly hung up on me. then i call back get a supervisor and he answered again, i asked for XXXX and he was like " IS THIS XXXX? STOP CALLING! '' Yelling at me. i said nope this isnt then he started listing off other people asking if i was them and then he just told me to leave him alone and that to call tomorrow to talk to his boss. if his boss hired him in not going to get much accomplished with a loser lawyer. the companies name is PALMER, REIFLER XXXX ASSOCIATES, P.A. By the way i hardly pay debt because most or scams and im not the idiot to buy debt. you have extra money so you just go give it away hoping people will pay you back hahahahahahahahahahahah what a joke
Consumer complaint received 2015-10-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AmeriCollect (NJ)

I was in a car accident XX/XX/2013. The bills were to be paid by the insurance company. My attorney and I have contacted the companies at least 10 times with no response. The bills should NEVER have been placed on my credit reports and should be removed ASAP from all three credit bureaus. There are XXXX bills from the same company that were placed on my credit reports.
Consumer complaint received 2015-10-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (MD)

On Saturday, XXXX XXXX, 2015, I made an electronic deposit of my paycheck to PNC Bank on XXXX XXXX XXXX, in XXXX XXXX Maryland at around XXXX. I had been told by this bank that if I made a deposit on a weekend, no matter how late it was using the automated teller service, the deposited check/checks would be available by Monday morning and would cover my account. As of XXXX XXXX, 2015, I had approximately, {$240.00} left on my account. I made the deposit of {$730.00} on XXXX XXXX, 2015 which made my total account balance for Monday, {$940.00}. 

By Tuesday, XXXX XXXX, 2015, I received a notice in my e-mail that I was overdrawn in my account. PNC, deliberately held back the funds until other debit transactions where charged to my account because according to my statement, all the transactions including my deposit were all done on the same day, XXXX XXXX. My check for {$730.00}, had been deposited way before then. Plus, I was charged a double overdraft charge. This is not fair to consumers who have to pay their bills and are trying to do the best they can to manage them. 

I called PNC bank and I spoke with a Consumer Service Consultant, XXXX XXXX XXXX, who was rude, and kept trying to talk over me when I was trying to explain the issue that I needed help with. I kept asking to her to please let me speak with a Supervisor but she refused to let me and told me that their was nothing that a Supervisor could do to help me. She also refused to refund the overdraft fees and would not listen to any reason. 

I had explained to XXXX XXXX that I recently had had surgery and was unable to drive. My paycheck did not arrive until Saturday and I had to wait until someone to come and drive me to the bank in order to make the deposit. I had also explained to her that teller at the XXXX XXXX branch had told me that if I make a deposit using the automated system on a weekend, that my deposit would be recognized in my account the very next day, .. and that is the truth! 

I also have a screen capture of my account transaction from XXXX XXXX, 2015 to XXXX XXXX, 2015 for proof of this issue which I would like to get resolved. 

Thank you for your patience.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

I went to multiple different credit report websites trying to obtain my credit report for the first time. All sites would take me through the entire process just to get to a series of questions where I am asked, " How much is you monthly mortgage payment? '' Being that I 'm XXXX years old and just now starting to build my credit you can trust me when I say I have no mortgages. So after I click that I in fact do n't have a mortgage, the websites all tell me my report is unobtainable. I tried contacting Experian Credit Bureau by phone and could not get in touch with a real person, nor would the prompts lead me in a productive direction, which leads a very frustrated me to you. If you can help in any way it would be much appreciated. 
Thank you. 

XXXX XXXX
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (FL)

My wife asked at a hotel desk for a cab to go to the local XXXX XXXX in XXXX XXXX MD. 
The desk clerk told her, " We have our our own service '' The boss of the limo service she called knew when the clerk called him that my wife wished to go to the XXXX XXXX, a {$24.00} fare with tip. Without asking permission to do so, the driver of the limo which the boss assigned took my wife all the way by side streets to XXXX for {$84.00} including tip. She was unfamiliar with the area. As she was alone in the car, she paid with a credit card in order to avoid confrontation. We are nit disputing that she was the one who signed the charge. We believe that the driver " took her for a ride '' by deception. 
Afterward when we complained to American Express about the deceptive practice, they simply sent us a copy of the driver 's charge signed electronically by my wife and said it was an authorized charge. We felt that it was deception and continued to generate supporting letters to the American Express Fraud Department trying to explain what happened. Each time American Express sent us the same unsigned form letter denying the complaint, along with another copy of my wife 's signature, claiming that the driver stated it was a valid charge. It seemed that American Express did not ever once even read any of the documentation about the deception. After the third denial we would like to escalate this dispute as American Express is completely unresponsive.
Consumer complaint received 2024-08-14
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 putting down to bestow my anxiety concerning the tested accounts on my credit report. On various occasions, I have raised the issue of stumbles in these records, and have constantly referred to that they be totally researched. In spite of my endeavors, I at this point clearly can't get any goal or accommodating activity. These off-base records are truly harming my credit report and discouraging my capacity to go on with a standard life. The antagonistic results of these mistakes have caused huge difficulties for me, and I'm left with no decision beside to fight for your help with reconsidering what's happening at the earliest entryway. I thoughtfully demand that you lead a wary evaluation concerning the critical of these tested records. It is fundamental that the critical advances are taken to restore and address my credit report right away. With your assistance, I need to reestablish the precision and dependability of my credit report so I could recover command over my cash related flourishing. I really encourage you to offer this matter your generally unbelievable idea and make a quick move. Your participation and moving in settling this issue quickly would be exceptionally huge. Appreciative to you from the beginning for your comprehension and help.
Consumer complaint received 2015-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (NC)

In XX/XX/XXXX, a series of unfortunate banking events led to my mortgage payment being deducted form my checking account XXXX. The servicer ( PHH Mortgage Services ) was not willing to help recsend a payment and the Bank suggested that my only course of option was to stop payment on XXXX of the duplicates. I did so as my family would not have had enough money to survive. In XXXX, I made a payment to PHH by phone and using this same checking account. The representative assured me that the payment had gone through just fine as usual. In XXXX, I was informed that I was now behind on my mortgage as this payment did not show up. This is when the trouble began. Through various demands for payment and forced " re-payment plans '', I have given PHH almost {$22000.00} in the past year and am still being sent past due notices. I 've now been sent a " right to cure notice '' demanding another {$5000.00} plus before XXXX. Since my normal mortgage payment is around XXXX monthly, a years worth of payments would only be {$15000.00}. I have no idea how I am still behind in my payments and can not seem to get out of this cycle. This has caused a great deal of distress in my family and has caused me to get dangerously behind on other bills ( student loans, car payments ) as well. Most recently, I responded to a late notice by paying the amount asked for ( {$3400.00} ) by the date it was asked for ( XXXX ). PHH took the payment. The payment came out of my bank account. Two weeks later I received a notice that my account had been referred to an attorney for foreclosure. This was an awful thing to read. PHH initially claimed that they had no record of the notice demanding the {$3400.00} and that I had not paid enough so they had returned my payment (? ). After two days of arguing my case, the notice was found and I repaid the {$3400.00} and was taken out of foreclosure. This was a large mistake made on their end and I ca n't help wondering what other large mistakes are being made at PHH Mortgage Services. I 've gotten nowhere in my attempts to talk this through with them.
Consumer complaint received 2015-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion disputes department, continue to reports my credit information wrong. They have been reporting negative credit account. Transunion continue to disregard chapter ( XXXX ) bankruptcy. They reject the I file chapter ( XXXX ). Several company have report the account report they refused to, continue to reported these items, collection, number account with delinquency. To few pay as agreed. Transunion have cause me not to have access to credit. Adverse public record. I a low credit score.
Consumer complaint received 2024-08-14
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)

I have already filed a complaint with the three credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life.
Consumer complaint received 2015-04-14
Product: Credit card — 
Issue: Late fee — 
Company: REGIONS FINANCIAL CORPORATION (CA)

For recent months I 've rec 'd bills from XXXX that include {$75.00} late fees. This month XXXX rec 'd my bill on XXXX XXXX ( though the statement date is XXXX XXXX ) and it 's due XXXX XXXX & they say it can take 7 days to process payments once it 's rec 'd at their processing center. I 've called about this before and they say that I should access my bill online and pay online to avoid late fees but I wonder if they should n't give sufficient time to allow consumers to pay by check after receiving the hard-copy of the bill? And, if they choose not to that, should n't the late fees be reasonable? {$75.00} late fee on a single {$34.00} gas purchase is robbery. And, If they continue this practice, should n't the disclosure literature include a statement that there is no way a mailed payment will make it on time if they are allowed to take so long to process it once they get it and that they will not send the bills in a more timely manner and that the fee is now {$75.00} not the original ( also high ) {$35.00} that is was when I signed up for the card?
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

In reviewing my credit report, I have identified certain information that is reported incorrectly. Please make sure that the only information being reported on my credit is the information listed below. 
*My name is : XXXX XXXX XXXX name is : XXXX XXXX last name is : XXXX XXXX Social Security number is : XXXX *My address is : XXXX XXXX XXXX, XXXX, FL XXXX *My date of birth XXXX XX/XX/year>
Consumer complaint received 2024-08-14
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. (NC)

I have already filed a complaint with the three credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm writing to alert you about fraudulent personal information linked to my identity. Multiple accounts and transactions have been wrongly attributed to me without my knowledge or approval, causing me considerable XXXX. I've fallen victim to identity theft and have already reported this incident. This situation demands immediate attention, as it has negatively impacted my financial stability and personal standing. I request your assistance in swiftly removing all fraudulent data from my credit report and conducting a comprehensive investigation into this matter. I stand ready to provide any necessary evidence and, if required, initiate legal proceedings to protect my rights and seek appropriate compensation. Your immediate response to this critical issue is greatly appreciated.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ME)

Dear CFPB, I am writing to formally raise a concern regarding inaccurate credit reporting by XXXX XXXX, which has been the subject of numerous disputes. Despite my repeated efforts to resolve this issue, the inaccurate information persists and continues to be verified incorrectly. 

Account Information : Account Name : XXXX XXXX Account Number : XXXX Disputed Information : Reporting of account status as repossession with an incorrect balance The account in question is consistently reported with a balance that is incorrect. This account was covered by gap insurance, which should have resulted in a zero balance upon settlement. Instead, the account is being reported as a repossession with an outstanding monthly balance, which is both inaccurate and misleading. 

This is also reporting with a monthly payment due of {$530.00}, which is also inaccurate considering the vehicle is charged off. 

I have previously disputed this account through the credit bureaus, but each time, it has been verified as accurate despite the evidence and documentation provided. The continual reporting of this inaccurate information is detrimental to my credit profile and financial well-being. 

I urgently request that the CFPB intervene in this matter. I demand the immediate removal of this account from my credit reports due to the persistent inaccuracies and the misleading nature of the information being reported. 
I would appreciate your prompt assistance in resolving this issue and ensuring that my credit report reflects accurate information. 

Thank you for your attention to this matter.