davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (DC)

On XXXX XXXX, 2015 my husband and I applied for a mortgage loan with XXXX to consolidate credit cards. In XXXX 2015, we contacted all our credit card companies asking that our accounts be closed and no more charges or interest charged to account. On XXXX XXXX, 2015 XXXX XXXX sent to Citibank a check for XXXX which was an overpayment to Citibank and when I talked with them they said i was due a refund of {$590.00} amd the check would be submitted to me in XXXX to XXXX business days. Today, they sent me a statement saying that I now owe XXXX. {$10.00}. for XXXX 2015 because i was charged {$600.00} in interest for XXXX. They charged interested even though the accoutn was closed in XXXX 2015. XXXX they told me i would be refunded XXXX for overpayment and now turn around and charge me {$600.00} after acount was closed. Do I have any recourse in getting the {$590.00} refunded to me? I have been a loyal customer of Citibank for over 40 years and am very disappointed XXXXwith XXXX action. What can you do to help?
Consumer complaint received 2015-08-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I have been trying to do a short sale for almost a year. The bank seems to think that I can afford the mortgage and they keep forcing me into a modification. I am desperate as I can not afford the mortgage, the bank is being unreasonable and I have had several offers on the property for the current market value, but the bank is trying their hardest to set me and my family up for failure. they are not doing what the government says the lender should to provide alternatives to me as a homeowner. Now they are talking about foreclosing if I do not sign off on a modification. I thought that the bank was supposed to assist me with foreclosure alternatives? If so, they are failing miserably.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this 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. (FL)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$30000.00} Chargeoff XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance Owed : {$19000.00} Chargeoff XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} Chargeoff XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX  XXXXDate Opened : XX/XX/XXXX Balance Owed : {$6300.00} Chargeoff XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance Owed : {$17000.00} Chargeoff XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance Owed : $ XXXXChargeoff XXXX XXXX  XXXXDate Opened : XX/XX/XXXX Balance Owed : {$6500.00} Chargeoff XXXX XXXX  XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance Owed : {$5700.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/year>, I received an email from Bank of America with the following message : " Act now to prevent your account ( s ) from being closed. We've had a hard time reaching you and noticed you still haven't updated your profile information. Please take a few minutes today to review and update your profile information. Your relationship is important to us and we want to help you keep your accounts open. As your bank, we're required to make sure your customer information is accurate and complete. Update your information now. '' Upon receiving this email, I promptly clicked on the provided link and was directed to the Bank of America app, where I was prompted to verify my legal name, social security number, date of birth, citizenship, residency, address, source of income, and occupation. After completing these steps and selecting " Confirm, '' the app navigated to a second screen where I verified my contact information. The app then indicated my contact information had been successfully verified. I completed this process on XX/XX/year>, at XXXX XXXX. However, on XX/XX/year>, both my wife and I received emails stating that our XXXX numbers had been deleted from our joint account. My XXXX account alerted my debit card was no longer active. 
Subsequently, without any additional communication from Bank of America, I discovered that our accounts were frozen, and a credit card account was permanently closed ( possibly, I have no records available on BoA website to confirm this ). Due to the account freeze, I was unable to access my funds, which I needed to make payments on three credit cards and a mortgage. This resulted in returned payments from all three credit cards and late fees.

XXXX XXXX one of my credit card issuers, has now banned me from using the frozen checking account to make payments, causing further complications. I contacted Bank of America on XX/XX/year>, at XXXX XXXX, for a duration of XXXX minutes at XXXX ( XXXX ) XXXX ( XXXX ). During this call, I confirmed the same information I had previously updated via the app, and my checking account was subsequently unfrozen. 

However, the bank claimed that they had made multiple attempts to contact me, though I have records of only two emails, one letter received on XX/XX/year>, and no voicemails. Again, that I complied with. When questioned about their policy on freezing accounts, the bank admitted that this policy is not publicly available to consumers, making it unreasonable for me to anticipate such severe consequences. The app 's interface is also misleading, as it indicates compliance with the bank 's requests when, in reality, it does not. 

This incident has caused significant financial disruption and late fees. I was forced to update my payment information on 17 different sites, including both mine and my wifes direct deposit information. I believe Bank of America 's actions and lack of transparent communication have been unreasonable and unjust.
Consumer complaint received 2015-04-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (IL)

I have been working with Roundpoint Mortgage on a short sale for several months, after working with XXXX on a short sale for a few years. XXXX sold the loan to Roundpoint. The property in question is appraised at XXXX, I have an offer on the table for XXXX. After multiple rounds of providing tax returns, bank statements, pay stubs, and packets of forms including things like the uniform borrower agreement, Roundpoint continued to ask for more and more. Each time they would ask for a document I had already provided - but now they need it on different letterhead, or signed in a different place, or in a different font - it was getting ridiculous. I received a hearing to appear in court with 5 days notice. I appeared, and Roundpoint 's attorney did not. After much legwork it become apparent that the bank either did not confirm the hearing with the courthouse or canceled it, and I was of course not notified. I called the law firm on the summons, and found out the property was scheduled for auction the following Monday, and Roundpoint had not notified XXXX ( who was driving the auction I believe ) that I was actively working on a short sale. This was on Monday XXXX. The law firm looked up my case, and confirmed that if Roundpoint notified XXXX before the auction, they would postpone it. On XXXX, I found out that Roundpoint rejected the short sale offer back on XXXX and sent me a letter, which I have not yet received. The auction is now Monday morning - which leaves me no course of action. Throughout this process I have provided all reasonable documentation requests, while Roundpoint continued to change their requirements. I do n't understand why Roundpoint refuses to work with me. I do n't understand how they can just keep changing their requirements and rules to avoid having to accept any short sales.
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Tried to get my credit report from Transunion on line, they asked me questions that have nothing to do with me and pertain to erroneous info they keep putting on my report for another person. As a consequence of TransUnion incompetence and negligence the questions they ask are nothing to do with me and of course the answers are not correct so they refused access to my credit report. They then tell me I have to contact them by phone and provide the tel number which wasted my time and phone minutes only to tell me to contact another number XXXX XXXX XXXX which of course wasted more of my time and most of my phone minutes for the month only to turn out to be the phone number of XXXX XXXX not Transunion. My job has been affected, my security clearance is in jeapordy and I have been denied financing and mortgage because of Transunions wrongfully reporting bad information on my credit that does not pertain to me. Transunion are destroying my life and refuse to provide my a copy of my credit report or access to it
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (AL)

XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX While checking my most recent XXXX XXXX credit report, I noticed credit inquiries that I did not Authorize, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 15 U.S 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. and a serious breach of my privacy rights. Please validate this information with these companies, and provide me with copies of any documentation associated with these accounts. bearing my signature, authorizing an inquiry. In The absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation as provided by the Fair Credit Reporting Act section 611.
Consumer complaint received 2015-12-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC. (TX)

I was contacted today at work by XXXX, claiming to be a debt collector and that this was a personal business matter, however the caller did not state who they were, what the debt was, nor would they verify the information that asked about. This same number has called my cell phone, with the same lack of information. They are asking me to verify personal information, and want me to answer their questions, however when I ask for a reverse verification they state that they are unable to provide me the information that I am asking for, unless I provide them my personal information.
Consumer complaint received 2024-11-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: M&T BANK CORPORATION (TN)

XX/XX/year> I sent {$100000.00} wirere transfer from my bank to M & T Bank for a mortgage payoff. I never heard anything from bank and assumed all was fine. There was a balance of {$5100.00} which I sent a few days later after speaking with XXXX at M & T and got the exact amount. She did not mention any issues with the $ XXXX sent on XX/XX/XXXX. 

Around XX/XX/XXXX I called to make sure everything was OK to payoff dept. I left XXXX messages with XXXX but never received a return call. The bank returned the {$5100.00} wire transfer XXXX separate time yet never called to check or let me know why they returned the payoff. Then I was told the original XXXX was also returned. When I asked why they said all money had to be sent same time. That doesn't make sense that a bank who deals with money every day could not add the XXXX payments together and figure this out. 

Then they charged me {$490.00} more on my payoff on top of the {$60.00} I paid my bank for wire transfer fees. Then I realized this seemed to be their way of delaying payoff and collecting more money. During this situation no one ever called to let me know the problem.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information on my credit report. I point out several key violations, including : Willful Noncompliance ( FCRA Section 616 ) : The credit reporting agency accepted incorrect information about me without verifying its accuracy, which is a violation of my rights. I emphasize that this failure to verify is punishable by civil liability of up to {$1000.00} per violation. 

Failure to Disclose Personal Information Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : The agency did not inform me of my right to opt out of having my personal information shared, which I consider deceptive. 

Inaccurate Reporting and Debt Validation ( FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 1692g ) : I highlight inaccuracies in the debt reported by various collectors and request that they cease collection until they can provide proper verification of the debts as required by law.

Unauthorized Hard Inquiries ( FCRA Section 1681b ( a ) ( 2 ) ) : Several unauthorized hard inquiries appeared on my credit report, and I demand they be deleted, as they were made without my consent, violating my rights under the FCRA. 

Violations Under the Debt Collection Practices Act and Privacy Regulations : The debt collectors ' actions, including harassing communications and contacting third parties about my alleged debts without my consent, are unlawful under the Fair Debt Collection Practices Act ( FDCPA ) and related privacy laws. 

I am requesting immediate action to rectify these violations, including the deletion of inaccurate and unauthorized items from my credit report. I expect a prompt response, and I warn that failure to resolve these issues will compel me to pursue legal remedies available under the FCRA.
Consumer complaint received 2018-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Med-1 Solutions, LLC (IN)

I contacted this company to supply my Medicaid information to have this account rebilled. I have given the insurance information several times to the original creditor to bill. I have contacted my Medicaid representative who states per federal law this debt is not owed and the claim has been processed. I contacted the company to try and resolve off my credit and I was told there is nothing they could do. I am not responsible to pay this debt and it needs to be removed as it is causing me a financial hardship.
Consumer complaint received 2018-04-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL INC (FL)

I had a government loan for school ( several ) one of which they were trying to collect for a school that I did not attend and they did not have a signed promissory note for. I consolidated my loans in XX/XX/2016 and they were paid by XXXX. then they decided to take the loan out of consolidation and send it to collections. The federal student loan informed me via phone that they are aware of their mistake and that they would fix it as soon as possible. they even sent me a letter that states that i was not in default and that i did not owe them money. This was also needed as i was purchasing a home and would have an FHA loan. they corrected it. Only then to reverse it and put it back to collections again and then they also proceeded to garnish my wages ( to date in the amount of {$4000.00} ) and still reported to the credit bureau that I was in default. XXXX confirmed that they have already paid that debt. the federal student loan also refunded me 2 checks of refund that they have garnished from me ( the first 2 payments ). They keep telling me that they are " sorry for the inconvenience '' but as of today if they don't correct this issue my Home loan company is threatening to reverse the loan as it is a government loan and they do not approve people who are in default on another government loan. I NEED HELP TO FIX THIS ISSUE STAT. this has been months and months of a nightmare. also when i asked for the promissory note for the school that I did not attend they mailed me a copy with my name typed in the signature box.
Consumer complaint received 2024-09-30
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX  XXXX, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Consumer complaint received 2015-04-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Dynamic Recovery Solutions, LLC (CA)

My identity was stolen in XXXX, and several debts were incurred in my name. For XXXX of these debts I am still receiving debt collection notices, from different companies. It appears that the debt has been transferred or sold by these companies, despite knowing that the debt was based on identity theft, and not collectible. The account is a credit card that was opened in my name with XXXX XXXX XXXX XXXX, with a balance of {$460.00}. 
I first learned about the account on XXXX XXXX, XXXX by phone call from XXXX XXXX, who worked for XXXX XXXX XXXX, and said she represented XXXX. I faxed her a copy of the police report to fax # XXXX. I also sent a letter to XXXX, with a copy of the police report. 
On XXXX XXXX, XXXX I received a demand letter from XXXX XXXX XXXX, attempting to collect {$540.00} on the same fraudulent account, current owner XXXX XXXX, XXXX. I sent a letter to XXXX XXXX XXXX the same day, with a copy of the police report. 
On XXXX XXXX, XXXX I disputed the account with XXXX. 
On XXXX XXXX, XXXX the account was removed from my XXXX file. 
During the month of XXXX, XXXX, I received phone calls from XXXX with XXXX XXXX in Florida ( at XXXX, or XXXX XXXX ). He told me the current owner was Credit Card Resellers, and the balance was {$450.00}. I do not know why the balance was lower, as I had not made a payment on this account. I emailed XXXXXXXXXXXX the police report, the XXXX letter stating the account was removed from my file, and a reminder not to try to sell my account to someone else. On XXXX XXXX, XXXX I noticed a charge for {$450.00} on my XXXX XXXX business credit card. I spoke with my office manager, who told me someone from XXXX had called the office and demanded payment for a past due debt, upon which she had given them the office credit card number. I contacted XXXX XXXX to reverse the charge, which they did on XXXX XXXX, XXXX. I could not believe XXXX XXXX was trying to collect on this account behind my back, knowing full well it was a fraudulent account. 
Last month I received a demand letter from Dynamic Recovery Solutions referencing the same XXXX account, with a current balance of XXXX, current owner International Collection Services. I am mailing them a cease and desist letter, a copy of the police report, and a copy of the XXXX XXXX, XXXX letter from XXXX.