davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XXXX/XXXX/14 on TRANSUNION. I did not authorized anyone employed by this company or at this company or TRANSUNION to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that TRANSUNION remove the unauthorized and fraudulent hard credit inquiry immediately from my TRANSUNION credit file.
Consumer complaint received 2016-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We wanted a loan mod from Bank Of America. After receiving the loan modification offer we have decided not to accept the loan modification. 
This whole process has been, in my opinion, a big scam and a disgrace to Bank of America. 
I was led to believe that a real solution, specifically a ten year interest rate reduction to 2 % and a rate of 3 % for the remainder of the loan was what I was working for. After 8 months of continuous uploading of documents, constant phone calls, etc, I was offered a 30 year loan at 5 %, thereby costing me an additional $ XXXX over the life of the loan. I do not see how this is supposed to help me. 
In addition, without my authorization, an escrow account was opened for taxes and insurance. I already pay these items myself and at the time of the mortgage initiation we paid Bank Of America a fee to do so. 
An unauthorized tax payment of {$2600.00} was made in XXXX of last year. Because of this erroneous payment my mortgage payment has increased by {$830.00} per month, from {$1600.00} to {$240000.00}. 
This is beyond " a mistake ''. This is fraud and I intend to treat it as such. 
I have multiple personal and business accounts with Bank of America, including more than one mortgage. After this I intend to take all of this business elsewhere as some as possible
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to dispute XXXX XXXX XXXX on my credit report. The information reported from this creditor is incorrect. I even contacted the creditor requesting documents and proof of this debt. When I call, they tell me to call back or the person/ department handling my account is not available. I did take out a loan from this Company, however what is on my credit is inaccurate. I can not even get access online for this account to review my balance, payment, loan documents, etc. I even requested a new password reset ; got nothing. All I need is for the company to prove this debt. I want to pay them back but do not agree with amount on credit report. I sent proof to Transunion of an email receive from the company stating I only owe the principal amount which is {$570.00}. When I took out the loan XXXX XXXX was charging illegal fees for a payday loan. I informed them of this, so this is when they wanted to settle with me to only pay the remaining principal balance. When I contacted Transunion ( XXXX attempts ), they have sent me status stating same result and nothing have changed. Their turn around time is like within 10 days or less. How did XXXX XXXX proof this debt to them to keep this on my credit report after letting Transunion know that I was unable to get prove the amount owed. I really do n't believe Transunion have investigate this issue. What is showing on my Transunion credit report is the account is charged off and I owe {$1300.00} from a {$700.00} payday loan. I made XXXX payment of {$120.00}, but then again on my credit report shows no payments made. I will need proof of this debt to pay it off. This creditor only shows up on my Transunion credit report. What prove did they provide to Transunion? They do n't even want to provide me with prove of what I owe. Please help, I really do not know where to go with this anymore.
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (MN)

I made an overpayment of {$0.00} on my Citi/AAdvantage Platinum Select Card a few months back. Got my XXXX 2015 statement and it shows no credit. The balance is XXXX out. The Account Summary section of the statement shows the following adjustment : Post date : XXXX/XXXXDescription : Balance removed due to XXXX mos inactivityAmount : $ XXXXXXXXThis is the XXXX time of all my 30 plus years of credit card history to encounter such an adjustment on account credits from a credit card issuing bank. I also wonder how many accounts Citi Bank has XXXX out and pocketed the gains from account holders. Encourage the CFPB to look into the matter.
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX, 2015 I paid off the XXXX XXXX XXXX, account. I received a letter on XXXX XXXX, 2015 that the account had been resolved. However XXXX XXXX is still reporting it on my credit report.
Consumer complaint received 2015-12-15
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Nationwide Intermediary Services llc (VA)

On Monday, XXXX XXXX, I received a call from XXXX XXXX requesting a return call at XXXX in regards to a debt. The message stated that documents would be filed within 48 hours if no response was received. I called back and spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX and was told that the name of their company is Nationwide Intermediary Services. They stated that the reason for the call was because they had received a debt to mediate from XXXX XXXX XXXX and they provided me with the case number, original debtor and value of the debt. 

At this time, I asked them what my options were to repay the debt and they said that I could make arrangements but it could only be done with my debit card, checking account, or prepaid card. At that point, I set up an arrangement with them but let them know that I would need something in writing with their companies name, address and confirmation that these payments would be applied to the debt that they stated. They said they would prefer to email me the letter but I explained to them that email is not valid and requested a hard copy be mailed to my address and confirmed the physical address for them. They agreed and let me know that it would take XXXX days to receive the paperwork. 

At this point ( six business days later XXXX, I have not seen anything in the mail, nor have I received any additional phone calls from them. I can not confirm whether this company is authorized to collect on this debt, or if I am being scammed. My first payment is scheduled for XXXX/XXXX/15 but I will not be loading my prepaid card with funds until they send me valid documentation for my records. 

I have been the victim of these scams before so I will not be sending any funds to this company without receiving the requested mailing with account resolution information included.
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Regarding equity loan with bank of America that required balloon payment in XXXX 2015. I requested extension or modification of this loan in early XXXX to avoid any potential negative effect on my loan. Bank did not approve loan modification until XXXX. During the approval period, I continued to make all payments on time and in the amount due or more. Upon approval I was notified of a three month " trial '' period for some unknown reason before loan would be finalized. During this " trial '' period I could only make payments in the amount due even though I offered to pay more, even an amount to the total of the three month period to expedite the approval period. The bank would NOT allow such a payment plan, only the amount due each month. Even though my loan was approved, the bank then submitted a delinquent notice to the credit agencies. In turn my credit rating quickly dropped from XXXX XXXX very good XXXX to XXXX XXXX fair ). I have responded to all bank requirements regarding this loan in order to avoid any negative credit reporting. The bank did not advise me that upon loan extension approval that I would be reported as delinquent. The bank misrepresented the consequence of the loan extension and unfairly and unjustly damaged my credit rating. I feel that consumers need to be protected against such improper banking practices. Full transparency must be a requirement. I request that the Bank of America be required to fully disclose their delinquent and unfair handling of my account so that I can restore my very good credit rating.
Consumer complaint received 2015-05-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC. (OH)

I received call from XXXX to my cell phone at XXXX on XXXX XXXX, 2015. The number is registered to Midland Credit Management. The caller refused to answer my repeated questions of " Where are you calling from? '' " What company are you with? '' After several refusals, they were going to " transfer me. '' I believe this is fraudulent behavior as the FDCPA prevents them from " place telephone calls to you without identifying the caller as a bill collector. ''
Consumer complaint received 2015-05-28
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Credit Adjustments Inc (TX)

Dealing with communication tactics and improper contact to third parties ( family and relatives ). He has gotten ahold of me multiple times and knows the number to reach me at, but continues to call my husband ( multiple times ) my husbands father, my mother, my brother and possibly others ( these are the only ones who have reported getting a strange call from " XXXX XXXX at CAI trying to reach XXXX XXXX, please have her give me a call back. '' in voicemail. Of course family has googled CAI and his name and found it to be debt collection- which I find in direct violation of FDCPA and my rights. His harrassment continues and when I tried to reach him by phone have been told he is " on a conference call '' and will call me back- so phone calls are always on his terms. He wants me to consolidate this privately held student loan into my federal student loans ( Which I was told not to do due to interest rates skyrocketing ). I explained all of this to him and he continues harassment.
Consumer complaint received 2015-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (FL)

FST NAT COLL XXXX XXXX XX/XX/XXXX Open $ XXXX never signed contract and reported fraud. Open since XX/XX/XXXXFIRST NATIONAL COLLECTIOXXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-04-01
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I went to Walmart to use the moneygram financial service to send {$2200.00} to the recipient XXXX XXXX and was charged a {$45.00} fee for the transaction. I was given the confirmation reference number # XXXX and submitted all required information. When the recipient went to accept the funds, he was unable to and was told that he needed me to contact moneygram at XXXX and that the form was filled out incorrectly. Firstly, all information was filled in by the authorized Moneygram representative at Walmart. Secondly, when I called that number I was only asked survey information and ultimately disconnected from the call. I called XXXX located on my receipt and was told that there was a note on the transaction that required additional information. I was transferred to two times and only asked the same information, being reference number, my name and recipient name. Upon the the third transfer I was left on hold over 33 minutes and as I type this am approaching another 30 minutes of being on hold for a total time of an hour. I believe their actions to be fraudulent in nature, they were paid a fee to provide a service and said nothing about missing information when they took my funds, but have not revealed anything regarding the alleged note on the transfer other than they just like to double check information on larger transfer amounts. I was denied a direct number to the local compliance agent who they are allegedly transferring me to as well as a name, if I 'm even being transferred at all and not simply left on hold. I believe they are fraudulently using the excuse of consumer financial compliance in order to hold my funds and nothing in the transfer violates any consumer financial compliance laws nor have they informed me of any viable reason for their actions. Furthermore, I believe their actions are in violation of consumer finance compliance laws as I have not been notified of any reason for the delay nor have I been given the opportunity for proper escalation to resolve the matter.
Consumer complaint received 2024-11-21
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. (NV)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-05-29
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Law Offices of Benjamin Woo (CA)

I purchased a vehicle from XXXX XXXX in XX/XX/XXXX. I paid XXXX XXXX {$2500.00} as down payment and leased the vehicle from XXXX XXXX. Some time in the future, I was involved in an accident and the vehicle was totaled. I had thought I purchased gap insure but was advised I did not. XXXX XXXX gave the outstanding of approximately {$9000.00} to XXXX XXXX who garnished my wages at the time until the debt was paid in full. Sometime in XX/XX/XXXX, I was served documents to go to court from another attorney who advises I owe his client XXXX which purchased the {$2500.00} Debt from XXXX of XXXX ( who had filed Bankruptcy a while back ) that they have a court judgment asking for approx. $ XXXX. I have had communication with the attorney and we came to a settlement of {$4000.00}, however, I have advised him that this debt is untrue and have asked for verification. He has not responded period and is unable to verify the debt. In fact, he stated that he only knows what the client has stated and that I owe this money. The attorney has threatened my business and to subpoena all my investors and I did not want this embarrassment and agreed to a settlement. I am reconsidering my position and would like verification of this debt.
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MD)

I 've been denied credit three ( 3 ) times by XXXX because they can not verify who I am since they do n't have the correct phone number. I told them I 'd give them correct number but was told that they go by the Equifax report information. I only found this out after being denied the thre time an credit with them. I 've got a extremely high credit number showing excellent credit. Equifax via XXXX confirmation numbers and a phone call to them today said they could not update and would not update my phone number. To give correct phone number to the credit company. Tried to explain they would n't accept verbal info only credit report. Equifax refused to help me. The correct number is XXXX I only use this phone number. Equifax is having credit refused because they wo n't update my phone number that I wrote to them about, got on line and called to update. No, Equifax wo n't update. The phone number that is not correct is XXXX. The XXXX confirmation. Numbers are # XXXX + XXXX in addition with my phone call today.
Consumer complaint received 2015-05-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OR)

Midland Funding is trying to collect on a debit that had already reached the statue of limitations with XXXX XXXX Bank. Account was closed, marked as paid and then re-opened for around the same amount. With a new account number to continue collecting on a debit that they have almost tripled the original amount owed. It says that this is due to fall off my report as of XXXX but what is stopping them from doing this all over again and extending it another XXXX years?
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TN)

My mortgage is currently being serviced by Ocwen and we have been trying to modify our mortgage with them for XXXX plus days now. The reason for the modification request is that our Ocwen loan was previously an interest only arm and was reset to a 20 year amortization starting on XXXX XXXX XXXX. My mortgage payment went from {$880.00} to $ XXXX+ dollars ...., just based on the amortization rescheduling. This has put a tremendous financial hardship on my family which we are trying to work through .... ( currently working XXXX jobs to cover the extra monthly payment ) We were notified in late XX/XX/XXXX on the change and by XXXX XXXX had submitted and application for modification. From that time on, it has been a weekly struggle regarding new items that are being ask for and/or items that are sent in, supposedly cleared ( confirmed by " relationship mgr '' ) then asked for a few weeks later as if nothing was ever reviewed. Multiple requests with multiple customer service individuals to escalate to a manager or someone to help explain goes ignored and put in " comment '' screens with no return calls for 3 months ... only being allowed to speak to the " relationship manager. '' Having bad service is one thing, but the incompetence of this is so bad it, ... it almost feels like there is a strategy behind this process. ( I have been sending in information to them since XXXX XXXX XXXX, XXXX or XXXX complete list of items have been sent in ) I have also been told that this reconditioning of items is just the beginning and my loan file has not even been sent to an underwriter for full approval which is baffling to me since a property valuation was done XX/XX/XXXX or XX/XX/XXXX ... Financials, disclosures and all sorts of letters of explanation have been submitted for 2 months .... ( We also get confusing information requests in the mail asking for things from 2 months ago that our relationship mgr tells us to ignore since we have already submitted it .... ) We are not asking for any special treatment, just wanting our mortgage servicer to be anything but atrocious at this point. Our mortgage history has been perfect for almost 10 years, even through some pretty rough personal issues. ( One being that we got the first modification in XX/XX/XXXX and had to basically rebuild our house during the XXXX XXXX XXXX. ) We are extremely frustrated with Ocwen 's ability to work through this on their own and feel " trapped '' with limited options based on how Ocwen has treated us so far. 
sincerely, XXXX XXXX
Consumer complaint received 2015-11-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I received 96 month fixed term loan from Bank of America. Made XXXX payment XX/XX/XXXX. Made last payment XX/XX/XXXX. I have made XXXX consecutive payments of amount due and have not missed XXXX payment. I have paid more than amount due totaling {$990.00} and overpaid by XXXX payment ( {$440.00} XXXX. B of A says I still owe them {$6500.00}. How can I owe them, if I followed terms of loan? I wrote them back XX/XX/XXXX and letter came back undeliverable. I was concerned then that my balance was not going down. I filed complaint with you and received response from B of A XX/XX/XXXX. Letter said fixed term loan for 96 months. I do not owe them and I do n't want them to ruin my credit. If anything they owe me for overpayments I made. How can I get this corrected?
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: PENTAGON FEDERAL CREDIT UNION (NY)

PenFed The credit card company fails to withdraw funds automatically. The system changes within the company as stated by the agent over the phone suggests internal system issues. However, the company keeps charging delinquent fees to the account even after I make a over the phone payment with the agent. {$25.00} fee charged, automatic payment reversed and now the minimum payment has tripled. 

PenFed continues to not respond to e-mails, not file disputes, does not follow up on promises, does not withdraw funds from automatic payments. 

The internal challenges of poor communication with customers, systems that fail to process payments, and invalid billing/websites are causing a massive burden to me as a consumer. I have to literally manage this account as a full-time job, If I do n't audit the account I find many charges that are without proper information or explanation. The company is only nice when it attempts to collect payments but when it comes to managing customer experience lacks any empathy or understanding. 

It seems like they are happy to lend but unable to manage transactions, provide proper dispute process or work through their internal partnerships with a third party lender XXXX XXXX XXXX.
Consumer complaint received 2015-05-29
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America was paid the full amount of the note XXXX on XX/XX/XXXX by HUD. On XX/XX/XXXX Bank Of America sold the note to XXXX XXXX and on XX/XX/XXXX sold the note to XXXX and my complaint is that XXXX XXXX is now trying to collect on a note that has been paid since XX/XX/XXXX. I have also been informed that they are not a licensed debt collector