davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I am attempting to refinance my current mortgage that I have with XXXX XXXX Bank with XXXX Bank. XXXX pulled my credit history and in addition to my XXXX XXXX mortgage, another mortgage was listed with Bank of America ( BOA ). I have never had an account with BOA, and this is just an error on my credit report. 

I called BOA on XXXX/XXXX/16 to request that they remove this with the credit bureaus and send me documentation stating that this is NOT my account. I talked to a supervisor named XXXX who confirmed that it was indeed not my mortgage. He said he was unable to send me any documentation indicating that this mortgage was not mine because that would violate a " privacy issue. '' I am filing a complaint because Republic has advised that BOA should be able to send me some documentation - anything, stating that this mortgage # XXXX with BOA is not mine and it is an error that they are correcting with the Credit Bureau. I need this done promptly so that my refinance can be moved along with XXXX. 

I have sent a written dispute into BOA, but they have advised there is nothing they can provide me to prove that this is not my mortgage account. I think this is unacceptable and they should be able to provide something since this was an error on their part.
Consumer complaint received 2016-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

When my husband lost his job last yr, we contacted our mtg company to see about getting our mtg int rate reduced ( it 's @ 6 % & most ads were advertising mtg interest rates for LOT less ). We were only behind by XXXX payment which we brought current. Our mtg payments are {$1600.00} - only P & I - we never had an escrow acct set up for our mtg, since it 's inception in XXXX, it 's always been P & I only. We pay RE taxes/ Insurance when bills arrive, never late. Process of trying to get Modification was begun around XXXX XXXX. We provided ALL documentation SEVERAL times. Finally got Mod agreement - pymnts were MORE than current payment! Told them we did NOT want the modification agreement as it included Escrow acct. They ignored us! Continued sending paperwork for the Mod Agreement. 
Now they have paid full yr of our RE taxes & Insurance by using our XXXX & XXXX XXXX P & I pymts & not applying pymts to mtg. They are in violation of Fed Bankruptcy Chapter XXXX reporting laws - they show our acct as delinquent on all XXXX Credit rpts as they themselves have made it " delinquent '' by paying a full year 's insurance & real estate taxes by using our Principal & Interest payments. 
Latest letters say they will work with us to go thru the Modification Agreement by submitting ALL paperwork again & work with other lenders to POSSIBLY get us placed with a different mtg company and the latest letter we received on Saturday, XXXX/XXXX/XXXX says we " opted to sell our house ''! We have NOT indicated that we want to sell our house!! ( Part of mtg process our issue is related to is actually # XXXX, # XXXX, # XXXX & # XXXX! ) It appears to me that the employees do NOT know what they are doing nor do they listen to their mortgagees, each person tells you something different - the account manager tells me one thing, then a person in Esc Dept tells me something entirely different!
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (PR)

I disputed a charge made on my account by a company who used deceptive and fraudulent tactics. I received a call from XXXX stating that I had a reward from XXXX and XXXX, they already had my credit cards numbers, telephone number and address which made me think it was legitimate. Such company said that I just needed to pay for the taxes which amounted to {$290.00} Then, I received the alleged award which really was a timeshare promotion. I did not agree to that. I disputed the transaction to Citi because it was a fraud. Citi denied the dispute even though I informed them that I was victim of a fraud.
Consumer complaint received 2024-10-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (VA)

National credit adjusters showed up on my credit report. They never contacted me about the debt in any form. They also changed the open date of the account in question. I think it's for a payday loan through speedy cash with an extremely high interest rate, which was already resolved. I reached out to the comapny with no reply. I think it is illegal in virginia for payday loans to have such high interest rates. I don't know why they never tried to contact me before adding this to my report or why they changed the open date from XXXX to XXXX.
Consumer complaint received 2016-01-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I received a plastic credit card from XXXX not long my bankruptcy had been granted. I called them wanting to know how long was the card good for and how much it was for. The person I talked to took it upon himself to do all of those inquiries.I did not give him permission nor asked about buying a car, ( I just got my drivers license back in XXXX of last year ) .i lost my license almost 20 years ago, why would I attempted to buy an auto if I could n't drive it? After joining XXXX I received several notices about the inquiries and after investigating I found out that the salesman at XXXX had been making all of these inquiries. I immediately called him and asked him what the XXXX was he doing, I did n't want a car I called asking questions and he knew that. As you can tell by the dates of the inquiries they were made on the same day.If you need proof of my license situation I can send you proof. I feel that these inquiries should be removed from my reports because I did not request them nor was I trying to buy anything.
Consumer complaint received 2016-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Amsher Collection Services, Inc. (FL)

There is a collection agency trying to collect a XXXX bill for {$240.00}. I have cleared this with XXXX. This is fraud. They said they were going to clear it up but so far it has not happened. Someone used my name and address but a different SS. Despite that, the derogatory collection issue is still showing on my credit report and the collection agency is still calling me.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments for such a long time. This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again.
Consumer complaint received 2015-11-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (MD)

XXXX/XXXX/15 - TD Bank assessed a {$35.00} OD Paid fee due to PENDING debits reducing my balance to less than what was available for items posting. TD 's response " While you are not charged an overdraft fee for a pending authorization, even if it brings your balance negative, the authorized funds are deducted from your available funds. '' It seems that the consumer IS being charged for pending transactions. Technically those funds should still be available for use for other transactions since the merchant has not sent it through for payment and IF when those pending items come to post in the future they THEN should be assessed fees should funds be unavailable.I was told it was assessed to a {$10.00} transfer to my other TD Bank account I share with my son. 

XX/XX/XXXX Same scenario. A {$5.00} pending transaction and a recurring XXXX transaction that brought the account over by XXXX CENTS ( additional debit card transactions totaling {$10.00} over drafted the account further, even though the XXXX online statement shows my ending balance being - {$5.00} ). 

XX/XX/XXXX - When I noticed my account was over drafted in the amount of $ XXXX - which included the ending balance of - {$5.00} from XX/XX/XXXX ( inconsistent from the attached letter from the bank ), along with the following pending items : recurring Debit of {$10.00} from XXXX and that SAME {$5.00} XXXX that was pending on XX/XX/XXXX, and XXXX - {$1.00} gas authorizations - I immediately deposited {$20.00} at the branch and transferred {$14.00} from my other accounts to cover these items before they posted and over-drafted. I contacted the bank and told that II was charged an OD Paid fee for the XXXX transaction according to TD banks representative which brought my negative balance to {$45.00} approximately. 

XX/XX/XXXX - In reviewing my account this morning, I see that due to TD bank assessing the OD Paid fee, my deposits were wiped out and I have been assessed yet ANOTHER OD Paid fee for the {$10.00} XXXX charge - even though I took measures to ensure it was covered. 

I have requested from the bank the {$100.00} in fees be refunded as the information that I see online is inconsistent with the information they communicate AFTER they 're assessed the fee. They have refused. Also, they are charging fees based on the deduction of PENDING charges - money that has NOT been paid out to the merchant. 
I did not want to take these drastic measures for fear of them closing my account, but I feel I have no choice as the customer service representatives obviously simply do not care.
Consumer complaint received 2015-11-18
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Cooper Hoffman Klein Associates (CA)

They call me numerous times a day with threatening voicemails about taking me to court and me having to pay court costs, but they have n't sent anything in writing stating why I owe them and for what, how much, etc. They are calling my previous place of business, my home ( which I never give out ) and my cell phone- I get at least 5 calls a day. Please help- if they would mail me validation of debt I would be more inclined to call them, but they have not. All they do is leave threatening voicemails. 

I do n't know who they are ( besides being a debt collector ) and why I owe them. They never stated what account they 're collecting on, and further more, when they call my old place of business they 're leaving a voicemail on someone else 's voicemail- this information should be private. It clearly says someone else 's name when the voicemail comes on- so they should n't be leaving a message with them at all. I have n't worked there in months. It 's humiliating because my previous employer is contacting me again about this. I 've told them to ask them to stop calling, but they clearly ( Cooper-Hoffman ) are not complying as requested.
Consumer complaint received 2015-09-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Neighborhood Assistance Corporation of America ("NACA") (AZ)

I closed a NACA home loan in XXXX of 2015. Because the seller was not willing to make repairs to items a NACA certified home inspector required to be fixed, NACA impounded or held back XXXX dollars for these repairs after closing. These reapairs must be made by NACA certified contractors. 
After repeated requests to NACA for NACA certified contractors, they have ignored my requests after providing me with contacts that either do not do business with NACA anymore due to non payment or do not work in the specific trades needed to make the repairs. This has left my home unsafe for many months including exposed electrical and improper plumbing. I do not feel safe in my home and am fearful failures in my home based on the home inspector 's report will lead to additional issues that I can not be financially responsible for. Additionally, I am paying interest on these funds that have not been utilized for my benefit in the meantime. I alerted NACA last week or so that I would be reporting them to the CFPB if they ignored my request which they have.
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (VA)

In XXXX, 2014, I contacted CHASE Mortgage and proceeded to apply to have my mortgage interest reduced from 8 % to 2-3 %. This was on my XXXX mortgage. 
Over the next 4 months, I submitted information for their underwriter on XXXX separate occasions. My responses were often to repeat requests that were already submitted. They were sent registered mail. This continued for 4 months. Finally, in XXXX, I informed them that I wanted a written decision from their underwriter in XXXX business days. This was never honored. It is just ridiculous that I had to submit the same items and received no service. All I wanted to do was reduce my interest rate. In XXXX phone conversation with a supervisor, I was told, '' Well, you can afford the payments. Why do n't you just continue to pay? '' I was shocked. These are totally unacceptable business practices.
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was given a reverse mortgage with Bank of America and applied for a loan mode that they approved six months later after I mailed all paymnets on time they said my loan mode paper work was lost and I am being forclosed. I turned to my lawer to stop it and while we are waiting for court Bank of America turned around and sold my account to XXXX XXXX mortgate before we had a chance to go to court in XXXX XXXX.
Consumer complaint received 2024-11-22
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-11-22
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. (IL)

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2016-01-19
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Arbitration Forum (VA)

ON Friday, XXXX, XXXX, XXXX, my son, a friend, and I received a call/message from XXXX XXXX, and investigator for XXXX '' saying he was scheduled to come out and serve me a summons on Monday the XXXX at my house or place of employment. I could avoid this action by calling the petitioner, and gave an XXXX number. Said if I did not call that day, they would place a body attachment on me for contempt. This exact information was repeated on all three calls or message. 
I called the XXXX number ( XXXX XXXX XXXX ) and the lady informed me it was in regard to a payday loan from XXXX ( I paid this loan off ). She said she needed a receipt, but would " stop the paperwork '' to have me arrested on check fraud and attempting to defraud a financial institution. I consulted an attorney, checked my credit report, and checked with my sheriff - no record of any money owing to this place or charges pending. I called back to get an address and was placed on a lengthy hold after being asked why I needed it ( I said I needed to mail something to them ). They finally gave me an address, and it is the same address of another company, XXXX XXXX XXXX XXXX, that attempted this same thing with me in XXXX. At that time, a collection had been placed on my credit file, which I disputed and proved payment, and it has been removed from my credit report. I filed a complaint at that time on that company as well. 
Since the debt has been paid and the company issuing the loan has since closed, I feel sure this is a scam, and the company has violated laws with their threats and sharing of information to other persons who are not me.
Consumer complaint received 2016-01-18
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Mon. XXXX XXXX XXXX XXXX XXXX withdrew {$1400.00} cash in XXXX XXXX dollar bills from my checking acct. From XXXX the bank teller. In order to pay my rent of {$1400.00} a month. A week later on Mon. XXXX XXXX after making the deposit of only {$1300.00}. Since XXXX of the XXXX dollar bills were counterfeit. It is poss. Bank of America overlooked or missed it, possibly given me the counterfeit XXXX XXXX dollar bill. My landlord says the {$1400.00} I gave her ( XXXX ) was put in an envelope. And deposited with no other bills other than the {$1400.00} large bills. Again making only a deposit of {$1300.00} minus the counterfeit XXXX XXXX dollar bill from B of A. I spoke the Bank Branch Manager XXXX who was overworked due to being understaffed. And was of no help or organization toward policy & procedure witch was none to this concern filed. Although XXXX did not deny the possibility of this counterfeit from her branch. But the personal banker XXXX did deny it, mentioning it 's not possible. I would like to know what is possible if there is a future for this matter maybe I 'm not the only one who has experienced this from a reputable bank or this branch itself. I 'm curious to find out where justice is served in receiving my hard earned money back. Surely you would think the counterfeit bill could be traced or leave a paper trail right, just not being washed along the way & no one taking responsibility of it legitimately. Thank you for ur time & have a powerful day.
Consumer complaint received 2015-09-29
Product: Debt collection — Federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Enterprise Systems, Inc. (FL)

I filed a complaint against XXXX/XXXX through this agency the case number is OMB # XXXX. I did get a letter from NES offering a co-borrower release for {$220.00} due XX/XX/XXXX they acknowledge that they are a debt collector then say that there is {$560.00} that I owe on the account. The letter they sent me is dated XX/XX/XXXX. I spoke to someone at NES last week and I told them that I wanted XXXX or NES to remove this account from my credit report because XXXX has never accepted that I had an agreement with XXXX XXXX to pay {$48.00} a month without having to bring the account up to date from when my nephew stopped paying for 7 months. My argument is that the account should have never been sent to a collection agency since I have been paying this account since XX/XX/XXXX. Why did XXXX think this account was not going to get paid? When did I give them an indication that I was not going to finish paying this account? Today I get a call from NES and it was the rudest call ever. The representative actually called my nephew a thief!!! What business does he have saying something like that. I am a XXXX, I am a law abiding citizen, I have done nothing but try to help my nephew get a career. My nephew fell upon hard times and did n't pay on his loan, I took over payments when I found out he was n't paying. I have paid for 5 years I am not cheating anyone! He had no right to accuse my family member of anything especially since I have been making payments. Yes, I paid the XXXX payment two weeks late but I also sent the XXXX payment a week early. My father died on XXXX XXXX he was sick on XXXX XXXX, I was n't thinking about student loans - should XXXX have assumed that I would no longer pay after sending in XXXX of dollars. Should I be punished with a bad credit report because XXXX felt the need to send it to an unscrupulous company that hires people that slander my family member because they really thought I would give up making payments? Something really needs to be done, this is abusive.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I was a victim of identity theft several years ago. I have police reports, etc. I filed to put fraud alerts on my credit report and I disputed the information with the agencies. They have failed to supply me with any supporting documentation of the validity of the accounts and they have failed to remove them. There are in fact accounts that I had from 15 years ago that they are still reporting even though they are violating the FCRA, and the florida statue of limitations. I have not been able to obtain credit until a year ago and it was a very minute amount of credit. The credit reporting companies have ruined my life and my ability to even buy a home, and because of their violations I have been forced to file for bankruptcy which will now stay on my credit report for 10 years. They are not even accurately reporting the bankruptcy information properly.
Consumer complaint received 2015-05-01
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (GA)

I had Home Equity line loan from Wells Fargo, which was discharged through Bankruptcy Chapter XXXX, Bankruptcy was filed in XXXX and discharged in XXXX. Wells Fargo is reporting it to the Credit Reporting Companies after the bankruptcy discharge date in XXXX. The last reporting date is XXXX. This is negatively impacting my ability to secure Re-financing of my house. Reporting after the discharge date should be deleted from my credit reports. However, they can report it before the discharge date in XXXX.
Consumer complaint received 2015-04-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC. (TX)

I took out a loan with XXXX XXXX finance in XX/XX/XXXX-XX/XX/XXXX for {$2600.00} and have been paying {$290.00} per month ( most months ) since that time with a total having paid to them of {$11000.00}. I am sending a cease and desist letter today ( XX/XX/XXXX ) and have issued a stop payment with my bank for this company. I have paid more than an adequate amount for this loan. Since the initiation of this loan, it has been transferred from XXXX XXXX to XXXX XXXX and Cash Call for management.