davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX, XXXX we filled out a RMA with BOA for a Harp XXXX XXXX modification. In XXXX XXXX we were granted a temporary modification from BOA. We were informed that the modification could change after we made the XXXX trial payments to a XXXX XXXX XXXX. In XXXX XXXX, we made our 3rd payment to complete the 3 trial payments. We spoke to our account representative and she said she was putting in the request for the permanent modification. She stated that we should receive the paperwork in the mail in approximately 15 days. We did not receive any paperwork in XXXX XXXX. I called BOA to inquire about making another payment and about the permanent modification. They processed the payment and then told me that there was no paperwork completed yet for the permanent modification. The representative then told me that there was no guarantee we would receive a permanent modification but that we should continue to make monthly payments.
Consumer complaint received 2016-08-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (CA)

XXXX fraudulent credit cards were opened in my name. I have filed a dispute with the credit bureaus and filed an ID Theft report with my local police department. XXXX company, XXXX XXXX closed the account. The XXXX other companies, Discover and XXXX XXXX, are refusing to close the account. They continue to harass me and are asking me to pay for a debt that I did not incur nor give permission to open. When I asked them for a copy of the application with my signature, XXXX XXXX sent an affidavit to be notarized. These are stall tactics that XXXX XXXX is using to continue to leave this fraudulent account open in my name. 

Both Discover and XXXX XXXX are irresponsible due to the fact that they allowed accounts with limits of over {$5000.00} to be opened in my name - without my signature! Banks require signatures for loans of {$100.00}, yet these companies may open accounts in people 's names without their permission? And when they are given a copy of the ID Theft report filed with my local police they still refuse to close the bill.
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Mortgage Servicer has not accounted for payments received and disbursed from my mortgage escrow account properly since XXXX XXXX through XXXX XXXX. Account balance based upon numbers that they have provided in Section 6 Your Escrow Account History for the Past 12 Months is more than {$10000.00} off for the above-mentioned time period. The numbers on this legally required annual escrow disbursement statement in no way are correct. Ending and Beginning Balances from year to year do not match. There is no disbursement showing for my impounded homeowners insurance, yet references are made to it. Payments into the escrow account are supposed to be the same each month, according to Item XXXX Projected Payments into Escrow ; yet for some unexplained reason around XXXX of some years the amount deposited is greater that the projection. 
Even taking into account homeowner 's premiums that more than likely were paid there is still over a {$5000.00} discrepancy.
Consumer complaint received 2024-08-24
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Transunion is failing to provide me the information provided to them saying it is valid i am Requestion the Transunion provides me with the proof of these ACCOUNTS that they says is verified within the day that they have i want the copy 's from transunion telling that this account is mine if they can they by the law they have to get rid of the account.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed my credit profile and noticed inaccuracies and/ or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are UNVERIFIED, INCORRECT, and NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : *XXXX XXXX- Account # XXXXThis account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my TransUnion and XXXX XXXX XXXX. Please DELETE for inaccuracies. 

*XXXX Account # XXXX This account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my TransUnion credit file. Please DELETE for inaccuracies. 

XXXX XXXX- Account # XXXX This account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my TransUnion and XXXX XXXX file. Please DELETE for inaccuracies. 

XXXX XXXX- Account # XXXX ( DEROGATORY ) This account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) This account has been paid and on time, has never been late and should not be reporting negatively on my credit file.I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my TransUnion credit file. Please DELETE for inaccuracies.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Consumer complaint received 2016-08-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

( 1 ) In XXXX 2016 I requested debt validation and verification from Ocwen in compliance with 15 USC 1692g to which they responded with photo copied information that did not comply FDCPA guidelines. After repeated requests for properly verified and validation documentation, Ocwen failed to respond in the within the given time periods. During my communications with Ocwen I informed them that I was invoking my private right of action and considered this matter closed as they failed to comply with my requests. As such, I also directing them to cease and desist all communications with me because I consider this matter closed. 
Ocwens response has been to completely ignore my request, they have shared my personal information with several entities which has resulted in debt collectors inappropriately calling my job, my cell phone, unsolicited emails and threats of foreclosure. 

( 2 ) My desire is that Ocwen cease with their threats and send Notice of Full Release and Satisfaction and documentation reflecting a zero balance.
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IN)

I would like to know how long my lender has to provide me with a reaffirmation agreement and complete the reaffirmation process. I filed for bankruptcy ( chapter XXXX ) on XXXX/XXXX/2016. My meeting w creditors was set for XXXX/XXXX/16. Prior to this date my auto lender had sent my reaffirmation paperwork and I took care of that with them. My credit meeting came and went with no information from DiTech on my current mortgage. I inquired with my attorney as to what I needed to do. They told me they were in contact with DiTech and we should have it prior to my discharge date of XXXX/XXXX/2016. I inquired several more times before this date and they had n't provided anything. They had told my attorney that they had already sent it, that they would resend that week, another inquiry a week or more later and they are waiting on approval .... But wait you said you sent it weeks ago??? 
I have now extended my discharge twice and nothing has been sent. In all this time, I have never missed or never been 30 days late with my monthly payment. 
My attorney emailed me today that their latest update is that DiTech 's attorney is in possession of the agreement but is awaiting their approval to send it. 
At what point are they required to do their job and provide me ( their paying customer ) with the information I need in a timely manner? I would think 30 days but we are approaching 5 months.
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Hi, I started to having issues financially to paying my mortgage and i contact the bank mortgage and begins the process to the retention program HAMP, from XXXX or XXXX last year 2015, I was sending all documents its required and always they asking for more documents, for any X or checkmark they refuse to continue the process inclusive calling me over the phone and interviewing me for the little mistakes did on the all forms, I reviewed and sent it back, I agreed to cooperate with all documents in order to complete the hole process, but i think they were waisting my time and wait until a year to send me to the foreclosure process, my financial issues were verify in my documents summited on time every time they requested but now they put my house in foreclosure even did not have my process completed and with no additional or alternative options, i have my rights to receive all help from this process and to get my options to determine the better option to keep my home. my family are working hard to make this help happens, the mortgage company is not showing nothing and then now i have to find a lawyer on my expenses to help me and interfere for my home. We have only 15 days to find a lawyer before bad news coming from the court .I think this is a one way to avoid help family to save their home. I want you help me to get the HAMP program completed and have the mortgage bank approved my modification loan or retention home program either way keep what i paying to them. They did n't let me to continuing paying my loan until they finalized the process, that i gave them my consent and intention to reinstall my payments.
Consumer complaint received 2016-06-25
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MD)

I 've paid XXXX so far on a pay day loan, I requested XXXX XXXX/XXXX/16. I never received how much my interest rates would be and when I notice today that I was still making payments I did my research. My interest rate is 867.4001 % and to date I 've paid XXXX. I would have NEVER agreed to a loan with that outrages amount as interest rate. When I called I stated that i will be contacting a lawyer because that is illegal they stated I did not have to make anymore payments. What can i do to get my money back?
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

SPS is the Servicer XXXX is the Investor. It is possible SPS has purposefully impeded the short sale process so that they could get their monthly fee while allowing the home to head into Foreclosure which is currently scheduled for XXXX/XXXX/XXXX. 

Home Listed For Sale : XXXX XXXX, XXXX Original List Price : {$450000.00} then home systematically reduced until offers received. 
Contract History : No Contracts until home listed at {$300000.00}. Original Contract XXXX XXXX, XXXX rejected by bank and the buyer was countered at nearly {$100000.00} above contract price. 2nd Contract XXXX XXXX, XXXX and bank rejected contract and countered buyer at nearly {$80000.00} above contract price. 
Offer History : In nearly 10 months and XXXX appointments, XXXX contracts and XXXX additional unaccepted offers were received when list price was reduced to {$300000.00}. According to Multiple List, only XXXX homes have sold in this community in the last 2 years. NOTE : Bank Appraisal from XXXX XXXX, XXXX came in at XXXX, which is lower than the bank keeps countering all contracts at ( Bank Counter {$370000.00} ). 
Distressed Sale : Not only is the home a Short Sale that is in need of repairs ( list attached ), the HOA is in default which makes it difficult to sell/transfer these homes. 

Supporting Documentation Attached
Consumer complaint received 2016-08-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OH)

I had paid {$15000.00}. cash towards a floor model vehicle in XXXX, I purchased a 2013 Hyundai Genesis. My credit rating was not the best, so I attempted to build and est. a good loan to build the credit, the dealership enrolled me with Ally Auto. However, they did not give me a loan minus the total down payment I placed on the car instead they financed me for the total value of the car at the time, which was overpriced, and the financing rate they have me in ranges from 10 to 12 %, I can not afford these predatory rates they have me locked in, the car is not even worth the same value of the loan, not only that, but the late payments because I am always trying to catch up accrue and they have taken more money from me for the financing charges than ever the actual loan. It is more than 50 % They have stolen Thousands of dollars from me, at least {$20000.00}. and I need help in getting out of this and away from them. Please Help me, they are bleeding me dry every month and even when I was paying early it did not matter they penalized me even then it seems the rate went up even more. These guys are so crooked I am truly a victim of predatory lending practice because they view me as a minority due to my low credit score, that never even went up anyways when I was paying on time or well in advance of my due dates for more than a year. I really need help?
Consumer complaint received 2016-08-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AP)

Navient Solutions ( fka XXXX XXXX XXXX, as the servicing lender for my Direct Loan consolidation, has repeatedly failed to recognize and implement XXXX protections on my account in accordance with 50 USC 3937. Requests and notifications have been made to Navient in XXXX, XXXX, and XXXX and Navient continues to violate the XXXX. I am attaching the most recent complaint to Navient ( XXXX ) and their denial for reference.
Consumer complaint received 2016-08-03
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened a chq.acct. with bank of America on XXXX. I received a cashier 's cheque for {$4800.00}, from an on line company for a job as a " XXXX XXXX '', which I deposited into my acct. through the ATM process, on XXXX. I received a receipt .On XXXX I recieved evening mail from Bank or America ( detailed copies of same will be furnished as requested ) explaining that a '' Hold '' was placed on my cheque because paying bank information indicates item may be returned.Consequently I received two other pieces of mail with deposit and other additionsiwas confused .The following a.m. 
I went to the Bank, I was informed by a Cust.Svc.Rep. that they believe that the cheque is fraudulent and I would have to wait until XXXX for the cheque to clear or be deemed fraudulent, although he already told me that the cheque is not good.I explained that my Direct Deposit ( SSI ) would be coming on XXXX.He then told me that most likely the Bank would close my acct.I asked why. His reply was because of a fraudulent cheque. On XXXX I received mail from Bank of America that they made a decision to close my account I went to the bank. On XXXX, I went to the bank to pick up my SSI cheque.Due to the acct. closure I would have to go directly to the teller for my money.Shetold me my acct. is closed and I must speak with the said Cust. Svc. Rep .I am unable to pay my rent, I have nofood to eat and no money.I went to my Congresswoman for help and was guided to take this step.I do have all receipts and documents, and names so I 'll be brief as possible. Thanking You in Advance. 

rent is due, and because of my XXXX, there are certain things " I must buy.I was told by the teller to see the Cust.Svc.Rep who informed me that my acct. is closed and I would be unable to get any monies until they have I do haveAll necessary documents, names and receipts but my copier is not connected for no money for ink.
Consumer complaint received 2016-08-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (GA)

I paid my XXXX taxes on line on XXXX/XXXX/XXXX through XXXX XXXX XXXX had to use my American Express Credit Card for payment. On XXXX XXXX, XXXX when I received my XXXX bill from American Express, there were XXXX pages of charges from XXXX for over XXXX I did not authorize these charges. I have been working with American Express Fraud Dept. to settle these charges Each time I call ( over 20 times now ) I get a different person to talk to & get disconnected multiple times. I wrote the XXXX letter on XXXX XXXX, XXXX documenting what has happened. On XXXX XXXX I receive an email notice saying that my account was past due almost {$4000.00}. On XXXX XXXX, XXXX, I filed a police report & faxed XXXX pages of documentation to American Express Fraud Dept. I called them on XXXX XXXX to make sure they had received the fax - they did. I heard nothing from them. I called American Express on XXXX XXXX, XXXX. Was disconnected 4 times in over an hour period of time. Talked with Supervisor & given new fraud case number XXXX. I printed out my credit reports from XXXX & XXXX. Found that American Express had reported that my account was 30-60 days delinquent at each Credit Bureau for {$6800.00}. All of that money is from the fraud charges! I called American Express Credit Bureau Unit. They immediately referred me to the Fraud Department. XXXX a Fraud representative said that she would investigate & get back to me this week. We shall see.
Consumer complaint received 2016-11-28
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I am behind in making my monthly payment to Capitol One Credit Card. On 5 previous occasions, I have requested they not call me at work. It is against company policy to receive " personal '' calls at work. I have received XXXX written warning for receiving multiple calls from Capital One in a 2 week period. Calls at my place of employment were received from them on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. I verbally requested they stop calling me at work each time they called with the exception of XXXX/XXXX/16, on this date, I was chatting with them their web page and specifically asked them to stop calling me as I had been written up for personal calls. Again, today, XXXX/XXXX/16, I started receiving calls at work from them. I will AGAIN ask them not to call me at work but I would appreciate some guidance in getting this stopped. I would also like to mention, the on a daily basis, I receive 2 to 3 calls from them on my cell phone. I feel like I am being harassed by this company and desperately request your help in getting this stopped.
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (AZ)

The debt was passed to the collection agency corresponding to this complaint without notice from rental property the debt allegedly originated from. After my attorney contacted the rental property, the debt was dropped due to its erroneous nature. I contacted the collection agency by phone to advise them the collection was being dropped. The rental property sent an email that day to the collection agency, with me copied on it, stating that the debt was cleared and the account should be closed. The following day I checked the collection agency 's website ( www.nationalcreditsystems.com ) and noticed the original amount was still listed as owed. I contacted them via email, and was told that the website did n't update daily. However, two weeks have passed since this communication, but the website still shows the balance as owed. Although I have received an email communication from the collection agency stating that the account was closed, I 'm concerned with the fact that the website still shows a balance owed, and all subsequent attempts to contact them have been ignored. I 'm only able to speak to an agent, who consistently advises that she is not associated with the website and knows nothing about how it 's operated. I ask to speak to someone who is knowledgeable about the website, but I 'm told she does n't have access to those people. I have asked XXXX separate times to speak with a supervisor. Each time I was placed on hold for over 20 minutes with no answer. Each time I had to hang up while on hold due to other obligations. My phone calls have never been returned. I sent an email on XXXX/XXXX/2016, but did not receive a response.