davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-24
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had a mortgage through Bank of America. I was told by B of A that if I stopped making the payments for 3 months they would modify my loan and lower the payments, after not making the payments like I was advised B of A stated I did not qualify for a modification and actually raised the house payment to where I could not make the payment. I knew other people that had this same situation and they just stayed in the house until the bank forced them to leave. I left this was not right and I left the house and moved into a rental ( have supporting documents to show I was not living in the house ). Over the years I kept receiving phone calls and correspondence from multiple banks and/or mortgage companies wanting me to pay what I owed. I stated several times that I had left the residence and to please just foreclose on the property that I was not moving back in. In XXXX my husband and I were looking into purchasing a home. The mortgage company involved pulled my credit and stated I owed XXXX on my house. I stated that I no longer lived there and the house had since been sold and people were living in it. I contacted the mortgage company that was listed on my credit report and told them they had since sold the house so how could I owe them any money. I also stated that I had not been at the residence since XXXX and why was in not showing foreclosed? They stated they had just taken over the loan and that they showed the house did actually foreclose back in XXXX XXXX and they would update it on my credit, I also asked them how come it did not show a foreclosure sooner since I had left the residence back in XXXX? They stated they did n't know why they had just taken over the loan. My credit was updated and it reflected that the house foreclosed in XXXX. I tried to complain to the Mortgage company that I left the house in XXXX and that it caused me further delay to purchase a house because they missed foreclosing when I actually left, but no one would help me. I was then told I could purchase in a house in XXXX XXXX because it would have then been 3 years since the foreclosure, so once again I went this week to purchase the house I have been living in for 3 years and was advised that a mortgage company filed an Mortgage Insurance claim in XXXX XXXX for the me leaving the house. NOW I am being told I can not purchase a house until 3 years from that date? B of A has actually taken a foreclosure that should have only effected me purchasing a new house and know has make it to where I can not obtain a house for 9 years. This process should have been resolved and showed foreclosed back in XXXX and now I am being told I can not purchase a house until XXXX of XXXX. I will be forced to move from the house I am in with my children because of this and do not feel this is right. I was honest and moved out and did not live there for free. I need to know what action can be taken if any?
Consumer complaint received 2024-08-27
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)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2015-06-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (TX)

Pinnacle Credit Services has violated fair collection processes egregiously with me. 
I have attached the original documentation plus faxes sent to all partiesXXXX. Pinnacle is not the original creditor. 
XXXX. Pinnacle is reporting as an original creditor on more than XXXX of the credit bureaus ( FCRA Violation ) XXXX. As they are reporting to all XXXX bureaus, this debt will continue reporting until XXXX XXXX. XXXX, Texas statute of limitation for suit passed as of XXXX XXXX. XXXX, the standard of XXXX v XXXX for accuracy of demand on time barred debt applies to all communication to me. ( Demand attached ) XXXX. A debt buyer hired by Pinnacle XXXX XXXX and XXXX XXXX XXXX offered me a settlement on an out-of-statute account contrary to XXXX XXXX XXXX XXXX XXXX. XXXX attached ) on XXXX XXXX, XXXX. 
XXXX. Pinnacle is now reporting to the bureaus, contrary to earlier reports, as being able to be reported until XXXX XXXX contrary to their earlier reporting as XXXX XXXX. 
XXXX. Received a letter stating XXXX and XXXX was closing the case and information submitted back to Pinnacle. 
XXXX. I filed complaint with the BBB XXXX unanswered by Pinnacle XXXX attached XXXX. 
XXXX. For a brief period after the BBB complaint, the bureaus reported this debt as a closed account which has been subsequently placed back onto my bureau report as an open account and Pinnacle as original creditor. 

I am requesting closing of the file by all parties and deletion from all bureaus anything related to this debt for a pattern of violationsSincerely, XXXX XXXX XXXX
Consumer complaint received 2015-06-24
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (IN)

I was contacted Wednesday XXXX/XXXX/15 at XXXX CST by University Accounting Services/XXXX regarding my account and the status. I was previously asked the same questions from another phone call I received on Wednesday XXXX/XXXX/15 at XXXX CST such as when I could pay the account in full, when my next payment would be made, etc. As I explained on this call, I was disputing this balance with my college and I was making minimum payments, as I can, each month but I was unable to pay the account in full. I had marked on my online account to not be contacted by an automatic dialer on their TCPA Authorization. When I asked XXXX why I was being contacted a week later, he advised it was because my account was on the automatic dialer. When I advised that I had previously not given consent to be contacted in this manner, he stated he would have to review with supervisor. After reviewing, they removed my name from the list. I asked what steps I could take as far as already having my name on the no authorization list - no steps given, just to allow 24-48 hours notice. I receive calls from the company while I am working. When I try and contact the company back, the line just rings and places you on hold, never allowing an agent to answer the calls.
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

Upon selling my home XXXX PennyMac failed to refund my entire escrow account. Despite a letter from PennyMac stating they have {$240.00} for me all I need to do is tell PennyMac I want the money and they will send it they continue to hold the money. I emailed the documentation they requested to advise them I wanted the money and I have also called PennyMac twice yet PennyMac continues to provide excuses about why I have n't received my money. I have provided my current address on XXXX occasions yet PennyMac can not seem to update their system to reflect the proper address.
Consumer complaint received 2015-06-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (LA)

The apartment complex turned my information over to a collection agency without my knowledge and after telling me I owed nothing. I have tried to get this cleared up with no progress. the corporate office refuse to respond to me or the XXXX. Phone calls, and emails have not been responded to since XXXX 2015.
Consumer complaint received 2015-06-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I checked my on-line account with Bank of America today and found a XXXX maintenance fee assessed.  This fee is part of BofA "updating" their checking products.  The Change in Terms (CIT) notice dated XX/XX/XXXX for that update indicated that I could avoid the fee if I met XXXX of XXXX requirements as of my XX/XX/XXXX statement cycle. I met XXXX of those requirements as of that date, a CD with a balance of at least $10,000 and a line of credit (HELOC) with a balance of $15,000 or more, so I did not think that the fee would be imposed.  I called BofA today and explained my position.  She stated that the cause was that my accounts were not linked. I stated that as far as I was concerned they all are linked as I can see them all in my on-line profile and can transfer funds among them as needed.    She indicated that this was an internal linking process and she took steps to do that with all of my accounts.  She also processed a reversal to the maintenance fee.  I am writing to make others aware that the same maintenance fee may have been imposed on their accounts despite them having met one of the qualifying requirements .
Consumer complaint received 2015-06-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (AZ)

I have a XXXX credit card ( home improvement store ). I pay regularly each month. Currently, they ask for a minimum {$25.00} payment due on the XXXX of each month. I made a {$30.00} payment on the XXXX of the month but they are not counting it as a payment for this month as toward the minimum, instead demanding that I make a payment on or before the XXXX. I feel that I have satisfied the requirement for this month and their doing this is a deceptive business practice.
Consumer complaint received 2015-06-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (CA)

My wife and I purchased furniture at XXXX in XXXX with terms of 0 % financing with minimum payment until XXXX under Wells Fargo Bank. These terms were applied to half of our purchase and the other part of the purchase was changed to 0 % finance for 12 months. When I noted in XXXX that we were charged extensive finance charges on part of purchase, I was told by both the merchant and Wells Fargo Bank that there was nothing that could be done unless I could prove the terms of financing. At that time, I could not find my paperwork. This hurt our credit score and due to the finance charges also made it difficult to make such a high payment. When we were cleaning out our home for purchase, I found the original paperwork from XXXX stating the terms as agreed of 0 % financing until XXXX for the entire purchase. I contacted XXXX and provided them a copy of the paperwork on XXXX/XXXX/XXXX, and I was told that it was all taken care of on XXXX/XXXX/XXXX by the manager at XXXX, and it would show up in XXXX to XXXX billing cycles. I waited for approximately 6 weeks, and it still had n't shown up. I contacted the manager at XXXX and was told that someone dropped the ball, and that it would be taken care of. I then filled a dispute with Wells Fargo Bank. I provided Wells Fargo Bank a copy of the original paperwork showing that the wrong terms were applied on XXXX XXXX. I also told Wells Fargo Bank that resolving this issue was critical as we were purchasing a new home, and would not be able to acquire funding with an open dispute. I was told that they had up to 90 days to research this matter. I continually followed up with Wells Fargo Bank including my last call on XXXX/XXXX/XXXX. My account is noted all the way through that the expedition of this research is needed due to the pending home loan. I was told that there was no way to expedite as they handle claims as they come in, and that they have up to 90 days to take care. Supervisors of the credit center have sent multiple emails to the billing department for an update on the status, and they have failed to respond. I indicated that they had caused my husband and I financial hardship by the bait and switch of finance terms, and now they have placed our home loan in jeopardy due to the open dispute status. I requested under the Fair Credit Reporting Act that this account be removed from my husband and my account until it is resolved since it took longer than 30 days. I was told that was impossible. At this time, we are not able to receive the home loan due to the open dispute status. We have now been caused further financial hardship/damage due to Wells Fargo Banks actions. We have lost both money from the home inspection and appraisal, and we are currently living in a XXXX with our entire family as we could not go forward with purchase, and our home was sold.
Consumer complaint received 2015-06-24
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Law Office of Michael J. Scott, PC (TX)

the law office of Michael J. Scott filed motions in court in a small claims case, where another attorney was involved in suing me. Michael J. Scott has a different bond number that that of the attorney suing me.
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (FL)

I Have been requesting a loan payoff or Satisfaction of Mortgage from Both RCS ( Residential Credit Solutions , Inc. ) my last known Servicer and XXXX the previous Servicer since XXXX 2014. As per Florida Statue XXXX a loan payoff must be provided within 14 days of the written request. All I have obtained from both of these lenders is a run around each pointing finger at the other. It is ridiculous that the CFPB that was created to protect the public from these Lenders not following the law will not help me. They have ignored all requests and continue with the run around. See most recent response letter. RCS has claimed that the loans were paid off but they will not send the satisfaction of mortgage.
Consumer complaint received 2015-06-24
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (DC)

I originally sought a modification of my mortgage due to a drastic reduction of income XX/XX/XXXX. I fell behind in my mortgage XX/XX/XXXX and immediately began the modification process. The process has been comlicated by repeated errors of IndyMac and repeated requests for documentation which has previously been submitted. Moreover, once the Federal Government required the assignment of a single point of contact. IndyMacXXXX/ repeatedly changed the contact person. I have submitted in excess of fifteen modification applications with all supporting documentation.  Each time the servicer of the loan makes a generic determination that a document is stale or incomplete without providing specific information on the alleged error or missing information.  Later I found that your agency, CFPB closed my complaint despite repeated requests that it remain open when the servicer provided another boilerplate and non-responsive reply.
Consumer complaint received 2015-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (UT)

I have an item for XXXX XXXX on my credit bureau report. 
I recently disputed this account with Equifax, and the information was reported as verified and accurate. I 'm sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. 
If they were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that they send me an explanation of the methods used, and a description of the records reviewed, when they conducted the investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I would also like to know the person whom they spoke with if this was done over the phone. I am attaching information from another credit bureau, showing this same debt was included in a bankruptcy that was discharged XX/XX/2010
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RIGHT START MORTGAGE, INC. (CA)

I signed loan documents with Right Start Mortgage, Inc. (RSM) in XX/XX/2015 - refinancing.  The XXXX Payment Letter indicates that I should make the payment to RSM on XX/XX/2015.  The Servicing Disclosure Statement states: "we may assign, sell, or transfer the servicing of your loan..."

In XX/XX/2015 I started receiving letters from XXXX my new servicer, including the monthly bill for the XX/XX/XXXX payment. However, I did not receive any information from RSM informing me that my loan servicing has been transferred.  I also received a letter XXXX telling me that I do not have Hazard Insurance properly listing XXXX as loss payee. 

On XX/XX/2015 I called RSM at XXXX to confirm whether or not my loan was truly transferred from them XXXX - they could not locate my loan #; they could identify me by my SSN, nor the property address. 

This information is for training purposes for RSM's Call Center (I will not use their names as I do not want anyone fired - just train them!)
•	Person XXXX could not help me at all, so I asked her to be transferred to her Supervisor
•	Her Supervisor, Person #XXXX - told me that I called the wrong number and should be calling their corporate office at XXXX.  When I told her that that's exactly the same number that I dialed, she put me on hold and I went back the same Call Center line. 
•	Then Person #XXXX picked-up - I had to explain the same situation to her and asked to talk her Supervisor. Person #XXXX advised me that I should wait for couple of more days and call back because the loan is new and probably did not get booked in their system yet. Then I asked how long does it usually take to book the loan - her response was XXXX days.  So I told her that there is no point for me to wait.  I need a confirmation that my loan was truly transferred and asked to speak her supervisor again. After putting me on hold, Person #XXXX  came back telling me that she spoke to her Supervisor and there is no point to transfer me to her as she will tell me the same thing - this time is to call XXXX and confirm whether or not my loan was transferred to them.  As I explained to Person #XXXX  - what if I received a letter from a fraudulent mortgage company claiming that they purchased my loan, of course, if I would call the same number on that letter, they would confirm. I need a confirmation from RSM that they transferred, before I make my payment and call my Hazard Insurance company requesting a change (every time I change, I get charged). What I explained to Person #XXXX is based on what she told me, RSM's Call Center has no idea where my loan is. I also advised her that I will filing this complaint today. The only reason why I believe that most likely XXXX is my new servicer and is not a fake company is because it was in the news recently, thanks to CFPB. 

I believe RSM owes me a disclosure informing me that the loan has been officially transferred for my documentation purposes.
Consumer complaint received 2015-06-24
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

to whom it may concern on the XX/XX/2015 i sent XXXX dollars cash through money gram at a Wal-mart store XXXX ca, XXXX and to come to find out that my money never got to the person I sent it to and i have kept in contact with Moneygram and I was told that it would take 10 days and then they told me 15 days and now the 15 days are up and now they are saying to wait another 15 days and I don't know what to do. please help.
Consumer complaint received 2015-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I HAVE SUBMITTED PROOF THAT A JUDGMENT AND A XXXX ACCOUNT APPEARING ON MY REPORT IS BEING REPORT INCORRECTLY AND AS OF TODAY THEY STILL SHOWING. HELP ME REMOVE THESE ACCOUNTS THANK YOU XXXX XXXX.
Consumer complaint received 2015-06-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

My account was paid and included XX/XX/XXXX Chapter XXXX, discharged on XX/XX/XXXX. Bank of American are billing a deceptive amount. The monies paid were reversed and added back into the loan making the loan more than what the Heloc 's original amount. Debt was paid in chapter XXXX and settled with debtor. Bank of America has reported to all credit reporting agencies during the period that of the chapter XXXX bankruptcy. They attempted to collect on the debt during the XXXX year chapter XXXX bankruptcy period. I attempted in good faith to work with bank of America and each time, they became more aggressive with billing statements with deceptive information and false claim of amount owed. They have reported to credit agency false misleading information that I have disputed. They have mailed false billing statements. They have reported missed payments and late paying to the credit bureau. I filed with XXXX and someone sent a mean nasty message regarding filing with XXXX and stated that this would be handled with CFPB and it has not been resolved to this day.