davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

I have been asking for a modification form since the month of XXXX and I did not receive anything they told me they were going to mail it to me and nothing I called them 3 weeks ago and then 2 weeks ago asking for the same form and they said the same thing and this week I receive a letter that I have to pay my loan of full that is about {$36000.00} and I dont have that money I lost my job in XXXX and I also got behind with my payments because I got injured at work. Please help me I dont want to lose my house. The mortgage company is Vanderbilt mortgage
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

In XXXX I was approved for my first credit card with USAA. Shortly after, I was laid off from my position as a XXXX. I could n't find another job, so I could n't pay my rent. My fianc and I moved in with my parents. USAA sent my debt to a collection agency. In XXXX XXXX I moved to XXXX with help from the XXXX. I was technically a homeless veteran, so they paid the deposit to get my fianc and I in an apartment. I found a job with a temp company and applied for XXXX benefits through the Veterans Affairs. I was advised to do by the XXXX. On XXXX/XXXX/XXXX, I was rated XXXX by the VA. On XXXX/XXXX/XXXX I paid the collection agency holding my debt with USAA {$1700.00} with my new military XXXX income. That {$1700.00} is the " Settlement Amount ''. Thats what I agreed to and there was never any mention of any remaining balance. Since I made the settlement payment I have n't received any correspondence at all, or notice of any remaining balance. This account does n't even exist according to my USAA profile. In fact, USAA required me to pay the debt collection agency before I could obtain my car insurance back with them. The fact that I have car insurance with USAA now is proof that I have satisfied this debt with USAA. I recently found out about this while they were helping me with an unrelated matter. Two times I tried calling them for information and both times the department that I need to speak to is conveniently unreachable after waiting on hold for an hour. On XXXX/XXXX/XXXX I found out this account has been reported to all XXXX credit bureaus for the past year or so, and I never even knew it existed. If I did, I would 've paid it. I 've been wondering why my credit score refuses to go up. My fianc and I have been going without to pay our debts with the sole intention of increasing our credit scores. We want to buy a home and start our family. I do n't believe I owe this debt.
Consumer complaint received 2017-10-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Filed a complaint a couple of days ago about my mortgage with Bank of America. Today I had XXXX call me and offer a lower rate, principle reduction and reduction of years for my loan that they have. 

My original loan if with Bank of America for {$XXXX} back in XXXX/XXXX/XXXX. I had XXXX loan modifications. One in XXXX in which they raised the principle to {$XXXX} ( which I was told you can not do ) and made it a XXXX year loan. There is no record of this by the way. Then in XXXX XXXX, I did another modification to get away from the previous modification which was ridiculous. 

Today, the XXXX person informs me that I owe nothing to Bank of America. XXXX balance. The debt I owe at the courthouse is to Bank of America for {$XXXX}. BOA had to right off a certain amount of first and second mortgages due to fraud. BOA made it look like I had a XXXX mortgage when in fact, I DID NOT. There is paperwork at the courthouse ( I sent it in my previous complaint filed ) stating that my mortgage has a full release of real-estate mortgage dated XXXX. This XXXX person then informs me that I had XXXX mortgages through BOA. One is dated XXXX/XXXX/XXXX and then he stated the other XXXX XXXXs dated XXXX/XXXX/XXXX for {$XXXX}!!! I only had XXXX mortgage in XXXX with them. No second mortgage in XXXX of XXXX either!!!! 

I do n't know what I have to do to get this straightened out. Someone please help me. XXXX is a debt collector. They guy argued and said it was a mortgage company. It states that on the answering machine, when they leave messages for me, that they are a debt collector. I informed the guy of that, then he agreed. They are trying to collect debt from Bank of America that I do not owe. It states XXXX XXXXn my account balance!!! The guy from XXXX then said he fully understood about my situation and was not going to offer me any deals on my loan. " You probably do n't need a loan now. '' I asked him to send me the paperwork that he was reading off to me about my loan ( having XXXX of them now ) and he said he could not. Seems to me now, XXXX has created a different loan? and still collecting money?!!!! 

I am desperate and Bank of America has put me through XXXX and back. I have enough struggles being the guardian for my husband who has a XXXX XXXX. He is the one who put me in this situation in the first place! 

Please look into this matter further.
Consumer complaint received 2018-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

On XXXX XXXX,2017 I switched my mobile phone service from XXXX to their wholly owned subsidiary XXXX and thus began a nightmare of trying to deal with XXXX. 
Shortly after moving my account I received an email from XXXX acknowledging the move and stating I would owe them {$440.00} On XX/XX/XXXX. I assumed it was just an accounting error and thought nothing more of it but on XX/XX/XXXX, XXXX did, in fact, deduct that money from my account. I tried contacting their " customer service '' XXXX number but was told that I was no longer a XXXX customer so the charges must have come from XXXX. I explained that I was looking at my online bank account & it showed the money was paid to XXXX. I also communicated with the associate that I had never given XXXX permission to take money from my checking account so I questioned the legality of their doing so. 
I received a subsequent email from XXXX indicating I had paid the {$440.00} and would now owe {$42.00} on XX/XX/XXXX. I tried again to communicate with " customer service '' at XXXX. Nothing came of that attempt but further frustration except the associate removed the permission that was noted on my account that they could deduct payments from my checking account. 

Then I started getting notices that I was in arrears on the monthly payments and still no explanation as to what I would have an ongoing monthly obligation to a company I had ceased to do business with in XX/XX/XXXX. 

When, by their records, I had " missed '' three payments, I received a letter from XXXX XXXX XXXX stating they would be pursuing debt collection actions. That letter gave me the option of submitting a denial of the legitimacy of the debt. I provided them with all my documentation of attempt to dispute the account with XXXX 2 letters, copies of emails and a live chat with one of XXXX representative. On XX/XX/XXXX I received a letter from XXXX XXXX indicating the had received and reviewed my documentation and would arrange to cease their collection efforts. I assumed that would be the end of the matter. 

Then last week I received a letter from Receivables Performance Management , LLC stating they would be taking debt collection action on my account on behalf of XXXX. I have taken the time to provide them with my documentation as well. My concern, as you can imagine, is that if RPM, LLC agrees that I legitimately dispute these charges that XXXX will simply send the claim to another of what must be thousands of debt collection agencies in the USA.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX. 
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Citizens Bank has refused to transfer an investment account to another bank. They have put XXXX XXXX blocks, denied access, and altered documents to prevent me from withdrawing an investment account. They have igned my numerous requests and correspondence. I am XXXX for my uncle, and they refuse to acknowledge my authority to handle his account. They purposefully altered a notorized document to prevent me from making a transfer.
Consumer complaint received 2018-01-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a call from XXXX XXXX on XX/XX/XXXX regarding a theft by check charge. They reported to me that I held a bank account at Bank of America and have not paid back a payday loan. They have threatened to file the complaint unless I make some restitution today. The company is XXXX XXXX, and phone number is ( XXXX ) XXXX. They called from another number ( XXXX ) and when I tried to call that number, it was out of service. 

I do not recall having a Bank of America account in which I took out a payday loan. 

This is the second time I have received a call regarding this charge. 

The first time was inXX/XX/XXXX on XX/XX/XXXX from a process server who then threatened an arrest warrant if I did n't comply. I tried to speak with an attorney who then attempted to make me pay the debt that day. I was threatened that if I did not make a deal that day to pay over {$7000.00} and sign an arbitration agreement then they would file the complaint in Texas ( this company is in New York ).
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Coinbase claimed that any amount of bitcoin that existed prior to the bitcoin fork of XXXX XXXX, 2017 would be available in my Coinbase account and be able to be withdrawn by XX/XX/XXXX. 

Prior to the fork, I had XXXX bitcoin in my Coinbase account, and thus, I should have been credited with XXXX Bitcoin Cash in my Coinbase account when Bitcoin Cash was implemented in their system ( like other users where ). However these funds failed to show up in my account. 

On XX/XX/XXXX, I filled a complaint at Coinbase ' support website. I have yet to hear back from them. I still do not have the correct Bitcoin cash in my account.
Consumer complaint received 2018-01-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (WA)

XXXX/XXXX/XXXX I started the assumption process with JPMorgan Chase Bank due to the XXXX of my father. To date I have provided them with all of the documentation that has been requested. XXXX/XXXX/XXXX I received an approval letter from Chase for the loan. The conditions of the approval is that I provide updated bank statements and income which I did comply. On XXXX/XXXX/XXXX I received a letter from Chase stating that I had to move to the state that the home I was assuming and have gainful employment by XXXX/XXXX/XXXX. This had not been brought to my attention prior in the approval process. In XXXX XXXX they did request that I provide a letter for what my intentions were with the house that I am currently renting. I complied. An additional condition of the assumption was that I paid the house insurance one year in advance and provide them proof of payment. Which I did pay {$1100.00} and provided them with the receipt. I had talked to the loan assumption supervisor and asked them to make an exception regarding the employment condition since it would be impossible for me to obtain gainful employment within two weeks as they requested. He had indicated to me today XXXX/XXXX/XXXX that they will not make an exception.
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I filed a claim with Citizen 's bank regarding a merchant overcharging me by over $ 100.oo on my credit card. I explained to Citizen 's back in XX/XX/XXXX that while on a cruise, the cruise ship overbilled my account as well as allowed my XXXX sister to make purchases to my stateroom without my permission, knowledge, or authorization. They did this without my card present either at the XXXX XXXX XXXX. I did NOT authorize my XXXX  sister to use my account and the cruiseline has a duty and responsibility to verify any and ALL charges before charging something to someone 's room without their permission or knowledge. They also allowed her to charge to my other sister 's account. There were other unknown charges on my account as well. When I spoke with someone from guest services at the Cruiseline, they told me they could not help me and to dispute the charges. I spoke with Citizen 's and explained the situation. Recently, I received a letter from Citizen 's stating they verified the purchases and enclosed a computer generic receipt without a signature, no sales receipts attached, no copy of my license, or any other documentation stating I was aware of these additional charges or made them. I spoke with a woman from the claims department who told me I was a liar and that the cruiseline would n't have allowed my sister to make purchases without my card or my id, however, they did. She also refused to let me speak with a manager, would n't tell me her name and would n't verify whether or not she was a third-party or internal claims department with Citizen 's. Citizen 's is now threatening to deduct the full balance from my account without completing a thorough investigation to ensure these charges are mine according to XXXX rules and regulations.
Consumer complaint received 2017-10-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc. (WA)

On XX/XX/XXXX I tried to make an additional principal payment, using my lender 's web site ( afrmortgage.myloancare.com ). 
To my surprise, after I entered all the details about my payment, I received an error message " Additional principal must not exceed 20 % of the current principal balance of XXXX '' ( see attached screenshot, the message is in red at the bottom ) This 20 % limitation violates the term of my loan - there are no limits on additional principal payments there. 

I have reached out to my lender via Contact us form on their web site, but received no response. 

On XX/XX/XXXX the same thing happened again, so the issue is still not resolved.
Consumer complaint received 2017-04-19
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (TX)

Someone obtain a payday loan in my name without my knowledge. I have tried several times to hav e Ad Astra  Recovery validate the debt but to no avail. I have received threating phone calls from debt collectors on my job and after  XXXX    XXXX   XXXX  t. On one occasion the debt collector insulted me and even asked if my parent taught me to not pay my bills. This issue has ruined my credit and taking a toll on my health.
Consumer complaint received 2017-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The company XXXX XXXX is reporting on my credit report with a debt owed. 

I never had a contract or business with this company. I tried to dispute and the credit agencies are saying that the account was verified by the creditor but provided no documentation or proof. 

My next step is to start ligitation against XXXX, transunion and XXXX.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This item was removed for XXXX and XXXX but Experian will not delete this incorrect collection from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2013 {$940.00} {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CITIBANK, N.A. (ID)

Prior complaint XXXX was closed and I am still receiving automated calls and automated messages filling my voicemail after company sent communications that I would not receive further calls. 

You have a copy attached to complaint from XXXX.
Consumer complaint received 2017-10-02
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. Collections West, Inc. (AZ)

to me in XXXX I made a verbal commitment to a XXXX XXXXl, I ended up sighing for it. When that was happening, I was going through a case, that could possibly lead to some jail time.. which it did end up leading to. I went to school for about XXXX week in a half before i had to go through custody. When I got out of jail, I tried to return to the school, the former lady that talked to me and got me to sign up etc., did n't accept me. XXXX years later, I find out they sent me to collections. My credit is perfect right now because I cleaned it, but I just found out I have a adjustment.. That adjustment effects my life on trying to grow with my family because I am a mother of XXXX kids now and I am trying to become a home owner but I ca n't, and I can figure out how and where to solve this.. and I 'm truly seeking for any help you can do for me. 
Thank you for your time
Consumer complaint received 2017-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (PA)

Approximately 2012, I had subscribed to pet insurance through XXXX hospital for my furry loved one. After a period of time, I felt I could no longer afford the monthly payments for the premium and called to cancel my his coverage. Several years later, I found an item on my credit report stating that I owe the company $XXXX!. When I called to ask, they said, they had record of my cancellation but that I am still responsible for the remaining bill. This seemed fishy and don't feel comfortable paying for a bill for which services haven't been provided.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc. (FL)

This account in Collections ( COMMONWEALTH FINANCE ) I am not liable for ( XXXX XXXX ) Creditor Information COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NV)

Credit Report Inquiry XX/XX/2015Your company Citi Bank NA DBA BestBuy Credit card did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. I have disputed a debt and you have failed to report it as disputed with the credit bureaus.Protection under the Fair Credit Reporting Act. (FCRA 623) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623(a)(1)(B).  If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623(a)(3).
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Experian is continuing to report two accounts from XXXX XXXX that the collection agency has requested them to remove. I filed a complaint with the XXXX in XX/XX/XXXX and the collection agency stated they contacted all three bureaus in XX/XX/XXXX to have the accounts removed. I have called, faxed and sent a certified letter to Experian showing them proof that the accounts were disputed. XXXX and XXXX removed all the accounts within XXXX days, Experian has removed all but two of the accounts. When I called Experian in XXXX and spoke with XXXX he stated they had not received anything from me or any collection agencies since XXXX and he refused to assist me further with getting the additional collection accounts removed. These remaining accounts being reported by Experian are affecting my ability to obtain a mortgage and have caused me damages. I have attached a copy of the original complaint and the resolution from XXXX as well as the documentation I have sent to Experian SEVERAL times requesting that the accounts be removed.