davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY (TX)

I XXXX XXXX, XXXX, residing at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX does hereby state for the record that Wells Fargo Bank , N.A . is in violation of my rights under the Fair Debt Collection Practices Act for trying to extend the timeline of a judgment that is no longer enforceable from the original state where it was procured. All documentation to my complaint is attached, proving that a foreign judgment, although enforceable from XXXX, the terms of the judgment validity still is maintained in the original state. Without exception, the XXXX judgment was filed in 2008, and under terms of XXXX General Laws was only enforceable for five ( 5 ) years, unless the judgment was renewed. In this instance, the judgment was never renewed, even after Wells Fargo through legal representation filed a foreign judgment in the state XXXX. XXXX has a ten ( 10 ) year timeline of judgments being enforceable, XXXX has a five ( 5 ) year timeline. The timeline is not extended because XXXX has different guidelines for judgment enforcements. If filing foreign judgments in states that have a longer enforcement guideline were legitimate to extend the life of a judgment, then banks would file foreign judgments XXXX, where judgments are enforceable for twenty ( 20 ) years. The logic of Wells Fargo may look good on paper, but I have attached the necessary exhibits to prove beyond a doubt, that Wells Fargo is re-aging a debt validation from state to state illegally. The XXXX judgment is no longer valid, which equates to the XXXX judgment now being invalid.
Consumer complaint received 2015-04-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

Apparently my mortgage was sold to Carrington Mortgage Servicing by XXXX XXXX XXXX. I have received NO correspondence of any kind from Carrington and I am outraged. I have no loan number, no information whatsoever. I have called them on 4 separate occasions ( XXXX ) XXXX only to hold for customer service for 36-58 minutes when the call was disconnected. I have never been so angry in my life, this is absolutely ridiculous.
Consumer complaint received 2015-08-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

This loan is reporting as incorrect on my credit reports - and it is reporting as a ChargeOff when I made advance arrangments and the account was settled for the balance that was owed. ( {$280.00} on XX/XX/2015 ). There was a prior issue with management by the company for this loan and my payments were not applied correctly nor was I receiving any written correspondence after multiple requests for it. I also have not received a paid in full letter from the company after my payment on XX/XX/2015 and I have already called XXXX times and each time promised it would be sent, however it 's never been received. I want this correct or removed altogether from my credit reports.
Consumer complaint received 2015-03-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

After banking with Citibank for over 3 years, I discovered this evening that I could not use my debit card despite having a Citibank verified balance of {$900.00}. When I called Citibank, I was informed that the Texas branches had been bought by XXXX XXXX XXXX and as such, they, Citibank, could not allow access to my account. I was told I was notified of this via mail, though no certified letter or any correspondence showing I had received notification could be provided. Upon speaking to a supervisor, no remedy was available other than talk to the new bank tomorrow. I do n't feel I am overstating to say that this " customer service '' is tantamount to theft. Citibank allowed me to deposit my entire paycheck into my account 3 days ago on Friday, and on Monday denied me any access to my money! Like many Americans, I pay for most everything by debit card and rarely carry cash. How can a bank hold a persons money hostage, with no explanation other than I 'm sorry but we sent out letters? Ridiculous!
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2015-05-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This issues pertains to a late payment incurred on my Auto Loan which was funded by Bank of America, for a XXXX Mercedes Benz C350 that I purchased in XX/XX/2013 at my local Mercedes-Benz dealership. At the time of purchase, the finance manager at the dealership told me they had not found a bank to finance my vehicle yet, but they would find one and have the bank mail me a statement telling me when and where to send the payment. 
I never received any statements such statements, but Bank of America called me on the XX/XX/XXXX, just as I was in between flights as I was traveling, they claimed they were the lender and claimed to have sent me statements that payments were due and that they were the lender for my car and I was late on the payment. At the time, I did not have access to my bank account information but called them within the next 2 days to make a payment. I later discovered that the dealership gave BOA an incorrect address for me, as they had me residing at XXXX XXXX XXXX instead of XXXX XXXX XXXX. Hence the XXXX statements did not reach me. I immediately corrected the address with Bank of America and promptly made payments for 2 months including the late fees totaling {$1400.00}. 
I have brought this issue up with Bank of America 's customer service department to remove the late payment from my credit report ; but BOA insists they did not make a mistake, they would not remove the late payment. On one hand they acknowledge that the dealership gave them the wrong address and that I never statements received the statements, but inexplicably BOA still claims that the late payment was my mistake. I had over {$20000.00} in my bank account during the period of the missed payment and had the statements been sent to the correct address a payment would have surely been made. I have attached copies of my bank statement to this complaint.
Consumer complaint received 2015-05-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I have had a loan for over 9 years for my mortgage. The loan started with countrywide and fha (Now Bank of America) and was a predatory loan with high rates and an extremely high pmi of $XXXX per month. I was promised by the persons doing the loan XXXX and XXXX that they would look for a better product after signing. however, 90 days afterward they XXXX went into hiding. Once XXXX was reached, he stated "they don't even do those types of loans anymore" they were very bad.  I am highly confused as to how the FHA would allow for such a loan myself.  Fast forward ...I have requested numerous times to have the pmi dropped and found out from XXXX of the reps at Bank of America that the pmi should drop off after so many years. Recently I tried to request again and was turned down by BOA.  The pmi is now $XXXX per month and has caused me problems financially in the past.  I am simply requesting that the pmi be dropped to zero due to the age and monies already collected or lowered to a more manageable amount of
less than $200 per month. This is not a refinance request but a request that predatory practices on the pmi be stopped. No one pays the amount of a car payment or more for a monthly pmi.
Consumer complaint received 2015-12-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX/XXXX/2015 I submitted a consumer dispute to XXXX requesting them to conduct a reasonable investigation regarding a Bank of America credit card ( see attached ) account that appears on my credit file. I faxed ( see attached ) a copy of a police report with the dispute.. I am a victim of ID Theft. On XXXX/XXXX/2015, two ( 2 ) days later, I received the results of XXXX " reasonable investigation '' ( see attached ). I specifically stated on my dispute that I was a victim of ID theft to XXXX. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )
Consumer complaint received 2015-12-07
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have a interest only XXXX mortgage with Bank of America. The terms were for 10 years and then it became an amortized loan. My husband and I have been impacted by the recession and have been working very hard to pay off our debts. The interest only payment averages {$250.00} per month. The new fully amortized loan will now be {$750.00} per month. The additional {$500.00} per month will be a hardship to pay so I applied for a modification with B of A to extend the loan so we could be in a better situation to pay off our debts and refinance the XXXX and XXXX into XXXX loan. B of A rules are designed to make sure no one qualifies for a modification! I do not know how they stay in business! B of A has hateful practices and run-around tactics! I read the consumer reports and they all say the same thing. B of A just wants them to fail so they can foreclose. 
It looks like the only way that I will qualify for any type of assistance with them, is if I miss payment. They said that I did not qualify for the Extension program the first time that I applied because it was an interest- only payments, then it went into the amortized loan, now they say it is because I did not meet the delinquency requirements ( but do not say what those are ). As for the End Of Draw modification program, the first denial was because my debt was either more or less than the amount required for the program, now they say it is because I am in the repayment period! If I miss payments to qualify for a modification, I am at risk of foreclosure and I still may not get a modification! Attached are both letters of rejection. I have not been late with any payments for over 5 years. I am trying to get my credit re-established so I can refinance. I have XXXX more debt to pay off before I am in a position to apply. I can not be late with any payments in order to get my credit where it needs to be. B of A took no time at all to reject my requests. It is as if they do n't even look at the paperwork.
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

We sold our home and closed the account with OCWEN XXXX XXXX. In late XXXX they took another loan payment from our checking account. After repeated Emails we received a check for reimbursement. Then they did the same thing in XXXX. Again after several conversations we received another reimbursement check. In XXXX they tried again, this time we did n't have enough funds in our account so we now have over 100 dollars in overdraft fees. We are living out of the United States so this makes everything more difficult. After more emails and expensive phone calls. We finally got another email saying after checking their records we were mistaken and they never took any funds from our account after we closed the loan. I have never dealt with a company as inept as this. The sad part is we tax payers bailed out their company when the economy crashed, big mistake
Consumer complaint received 2015-12-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

They have not VALIDATED this claimed debt they are attempting to collect from me pursuant to FDCPA. Company claims to have purchased the debt but does n't offer any proof the purchased debt was VALID and MINE. No written agreement, no signature, no verification at all. No proof if ID card etc. 
Please remove this trade line from all credit bureau reports you have reported to as it is hindering my ability to obtain credit. 

Thank you.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This is a new Care ( THIS IS A NEW CASE ) Back in 2012 on case number XXXX CFPB assisted me with Bank of America ( BOA ). in 2012 BOA agreed with CFPB and myself and removed all the fraudulent information from my credit report show any late payments ( I have never been late ). I check again this morning and the fraudulent information was back on my report. 

I request all late payments be removed again ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXBank of AmericaMortgage - XXXX
Consumer complaint received 2015-04-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I did a loan modification with bank of America last XXXX, It was very easy and after a short time I got a coupon book in the mail to make XXXX trial payment that were a lot lower then my original mortgage payment. I made all three payments that were for XXXX, XXXX, XXXX. and my payment was then set to that low payment. I then made the XXXX, XXXX, XXXX, XXXX, XXXX payments. My XXXX payment jumped up {$600.00} dollars. When I called Bank of America they stated to me that there was a {$5000.00} dollar balance left owed on escrow. That I was never told about. They also said that they wanted a cushion in the escrow account for future payments on taxes and Ins. I informed them that I could n't pay the new mortgage amount. I then was told that I could do a modification after a year has past. I was also told I could start the process in XXXX 2015 and in XXXX it would be a year. So I Filled out the Modification application and started to gather all my copies and statements. It was the worst experiences I have ever had. I was receiving XXXX packages almost every day requesting more stuff. My contact person was XXXX XXXX Who did n't care about me just the numbers. I was being called for paper work that I already sent and questioned on accounts I paid off. Now three months later they send me a denial letter stating the reason they could n't do the modification was I needed to wait 24 months not 12. to apply for a new modification. When I spoke to XXXX XXXX after receiving the letter I asked her why was I still sending papers and faxing things to her if all along you know I was n't in the guild line of a new modification. Her answer was. That 's the FHA guild line. So the time and money I spent on coping and faxing was all for nothing. Thank you Bank of America Sign XXXX XXXX. a very disappointed customer.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.
Consumer complaint received 2015-03-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I received a private student loan from XXXX XXXX ( now called Navient ) for XXXX, XXXX, and XXXX. When I XXXX I had the loans consolidated in XXXX XXXX through XXXX ( now called XXXX XXXX XXXX ). I was still paying off federal loans through Navient, and in XXXX my student loan payment increased and I thought it was because my federal loan repayment plan changed. I continued to pay through XXXX. 

After speaking to a financial advisor and looking at all my documents they said that I have been paying XXXX companies for the same private loan. I was shocked and upset. I called Navient and they told me they had no record of a consolidation filed. I then contacted XXXX XXXX XXXX and sent Navient copies of the cleared checks they received and all of a sudden it showed up on their documents. When I last spoke with a representative from Navient they changed their story saying there was a consolidation and that what I have been paying for since XXXX is the interest due on the private loans. That makes no sense, because the consolidation from XXXX covered all my private loans thus I would have no accrued interest owed to them. I have contacted Navient saying I will not pay the rest of the balance because I have been charged by mistake, and sent them all the correct documents, yet they continue to call me everyday.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (MO)

During the last 8 months a credit card held by me with Edward Jones has been hacked. 
First - XXXX Second XX/XX/2024 Third - XX/XX/2024 Fourth - XXXX - This one was not activated for XXXX weeks after I received it. 
Once It was activated on a Wednesday - hacked within XXXX hours - I never used it once. 
Has to be an insider there at Edw Jones who watches the activations on replacement cards. 
_ Now I can not get a credit card with any other company. 
Also my SS number has been out on the Dark Web since XXXX 2024.