davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Residential Mortgage Services Holdings, Inc. (CT)

Residential Mortgage Services ( RMS ) provided predatory lending : the unfair, deceptive, or fraudulent practices of some lenders during the loan origination process. I had a credit score of over 750, income of over {$65000.00}, no current debt, good work history, and over 20 % down payment in cash. The branch manager failed to educate and purposely provided selective information about FHA and Conventional loan. He explained the Conventional loan as " no good '' and referred to it as the " XXXX '' loan who only benefits " white people ''. The FHA loan was explained as the " Obama '' loan and the only loan that I would be able to qualify for. He intentionally and purposely informed me of information to force me to obtain a FHA loan. False information was provided to me. For example, I was informed by him that the only way to eliminate a PMI was to provide a 20 % down payment which is incorrect. After gathering further information, I created a chart flow that presented the amount of money I would be required to pay over the life of the loan for both the FHA and Conventional loan. It clearly demonstrated that thousands of dollars would be saved with a Conventional loan. This goes to show that obtaining the FHA loan is beneficial to RMS than it is to the borrower. All information gathered as well as the chart flow was brought to the branch manager 's attention where he admitted that it is accurate and that he failed to provide us with this information which resulted in us choosing the FHA instead of Conventional loan. He stated he was " sorry '' but being that it is the day before closing we had to proceed with the FHA loan. Prior to this meeting the day before closing, I tried numerous times to contact the office by email and phone but was ignored. The office purposely ignored us to by time and to prevent us from switching to the Conventional loan. The branch manager also forced us to use a particular lawyer and even credited us money towards closing to use her. The day of closing the lawyer forced us to sign all paperwork all while only one owner was listed on the title. The branch manager knew to include both names to the title and ensured us it would be done yet only one name listed at time of closing. The lawyer stated that lenders do not recomend quick claim deeds but that is how she will add the second name to title. The branch manager was contacted numerous times by all parties at the time of closing and failed to respond. He responded 4 days after closing. 

Please see attached of a previous customers experience at RMS : http : XXXX
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-01-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

In a nutshell, Citibank Mastercard has charged me {$100.00} in late fees for an XXXX cent underpayment. In essence, my minimum payment was {$60.00} and was being automatically paid each month by my bank through their automated bill payment service. This was all working out until Citibank increased my minimum to {$60.00}, which I was n't made aware of because I moved and did n't receive my bill and did n't know for 3 months that my minimum payment increased by XXXX cents until today when a representative called me to inform me that as a result of this XXXX cent underpayment, I had accrued {$100.00} in late fees. I asked her to waive the fees since it seemed ridiculous to charge me {$100.00} for an XXXX cent discrepancy, which I was not made aware of due to the fact I moved and did n't get the bills. This rep informed me that she could n't waive the fee and transferred me to another dept who could n't help me either and then eventually, I was transferred to a supervisor named XXXX. XXXX was rude and not willing to help at all. She refused to waive the fee even though {$100.00} is an excessive amount to charge for an XXXX cent discrepancy, especially for a customer who is never late with her payments and who never received the bill or any notification ( until today ) that my minimum payment increased by XXXX cents. XXXX informed me there were XXXX lates fees charged, the first late fee they charged me was {$27.00}, the next was {$37.00} late fee and the next was another {$37.00} late fee all due to an XXXX cent discrepancy with the automatic payment being issued with my bank. Again, it 's not as though I was n't making a payment, it was that my payment was XXXX cents short and believe me if I had known, I 'd have my bank issue XXXX instead of XXXX. XXXX cents is not going to make or break me but being charged {$100.00} in late fee charges is criminal in comparison to this XXXX cent oversight. Thus I am humbly requesting help from you to have this company waive their ridiculous {$100.00} in late fees over XXXX cents, because I believe their bank practices are unfair, unethical and outlandishly criminal. Also, the Citibank supervisor XXXX refused to waive any of the fees despite the fact the bills were sent to the wrong address and refused to provide me with the name or address of their complaint department. I am sick with this company and cancelled my card as a result.
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (KY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; PXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2016-06-27
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

This MORTGAGE CASE THROUGH BANK OF AMERICA HAS BEEN GOING ON SINCE 2004!!!!!!!!!!! This is my 3rd time complaining through CFPB about a BANK OF AMERICA FRAUD CASE. I was hung up on through BANK OF AMERICAS FRAUD DEPT today. She was so rude, and she never apologized at all. When I asked her what is done about my reporting the FRAUD, she told me it 's only an INTERNAL REVIEW!!! NOTHING IS DONE ABOUT THE FRAUD THROUGH BANK OF AMERICA!!!! She took my number and claimed she would call me back tomorrow ... .. LIES, LIES, LIES, LIES!!!!! The woman hung up on me after finding XXXX CLOSED FRAUD CASES from me, against BANK OF AMERICA ... .. UNRESOLVED AGAIN!!!!!! LIES FROM BANK OF AMERICA AGAIN!!!!! BANK OF AMERICA NEVER followed through with what they said they would do. FRAUD, FRAUD, FRAUD. BANK OF AMERICA is only showing XXXX FRAUD COMPLAINTS from me over all these years. THIS HAS GONE ON SINCE 2004!!!!! BANK OF AMERICA HAS HAD ME IN LIMBO WITH THIS FRAUD CASE FOR OVER 12 YEARS!!!!! If this is not resolved this time, I WILL SCREAM FROM EVERY ROOFTOP AND IN FRONT OF EVERY TELEVISION CAMERA I CAN FIND!!!!! XXXX XXXX ; Case Manageer from BANK OF AMERICA NEVER FOLLOWED THROUGH!!!! XXXX XXXX ; Customer Advocate NEVER FOLLOWED THROUGH EITHER!!!! I HAVE RECORDED MESSAGES, ALL KINDS OF PAPERWORK VALIDATING EVERYTHING!!!!! THIS MORTGAGE CASE THROUGH BANK OF AMERICA HAS BEEN GOING ON SINCE 2004!!!!!!!!!!! This is my 3rd time complaining through CFPB about a BANK OF AMERICA FRAUD CASE. I was hung up on through BANK OF AMERICAS FRAUD DEPT today. She was so rude, and she never apologized at all. When I asked her what is done about my reporting the FRAUD, she told me it 's only an INTERNAL REVIEW!!! NOTHING IS DONE ABOUT THE FRAUD THROUGH BANK OF AMERICA!!!! She took my number and claimed she would call me back tomorrow ... .. LIES, LIES, LIES, LIES!!!!! The woman hung up on me after finding XXXX CLOSED FRAUD CASES from me, against BANK OF AMERICA ... .. UNRESOLVED AGAIN!!!!!! LIES FROM BANK OF AMERICA AGAIN!!!!! BANK OF AMERICA NEVER followed through with what they said they would do. FRAUD, FRAUD, FRAUD. BANK OF AMERICA is only showing XXXX FRAUD COMPLAINTS from me over all these years. THIS HAS GONE ON SINCE 2004!!!!!
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I am a XXXX year old XXXX and XXXX. I co- signed a student loan for my niece over 15 years ago. The XXXX has left me XXXX. I was a XXXX and therefore I have been unable to work. I am in a fixed income. I have sent multiple XXXX letters to Navient that I can no longer afford the {$300.00} payments for my niece. She has quit speaking to me years ago. I have paid the loan faithfully for over a decade. Navient keeps saying that they take my niece 's finances into account yet my niece does not pay the loan. They threaten and call me daily, often early in the morning a XXXX weekends.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (SC)

I had a Court name change on XX/XX/2016. On XX/XX/2016 I tried to get a car loan and was informed that my credit was locked by EQUIFAX. I made a call to Equifax, the reason was my name did not match my XXXX. I faxed the required Documents requested, and was told XXXX to XXXX hours. on XX/XX/2016 credit still locked, refaxed. Finally on XX/XX/2016 I called again ( XXXX call ) They had received my documents, and updated my new name as I waited on the phone. THEN IWAS TOLD IT MAY TAKE UP TO XXXX DAY TO UPDATE IN THE SYSTEM. In this age this is not right. 
I am now XXXX week with out a car, and still waiting, because of Equifax. 
NOTE : XXXX and Experian already show my name change.
Consumer complaint received 2016-07-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pendrick Capital Partners Holding, LLC (TX)

Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX Validation letter with HIPPA requirements to XXXX. I had my XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was validated wrong by XXXX. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of XXXX and Pendrick Capital Partners. Because neither collection company is abiding my Texas FDCPA.
Consumer complaint received 2016-07-13
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (CA)

my loan was transferred from XXXX to freedom. I called to make a payment to XXXX and was given the number to freedom. I made numerous calls and got a message that my loan was not in the system to call back. I made a call once a week with the same results. I got a notice that I was 1-2 months late and received a call from a collector. I made payments and now I have 3 showing late on my credit score.
Consumer complaint received 2016-10-26
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (OK)

First off this company has not proven that I owe any debt to them, I never signed any contract or agreed to pay AD ASTRA at any time. A TYPED name is not VERIFICATION that a contract was signed and agreed. If a contract was signed and agreed upon it was with a company other then Ad Astra. I am asking for information and signatures stating that I OWE AD Astra MONEY. I never signed any contracts with AD ASTRA I have no knowledge of them until recently.
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - CARD SERVICE XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/2023 Balance : {$15000.00}.
Consumer complaint received 2016-05-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America you are the biggest disappointment to all Americans. President Obama gave the banks money to bail out to help families like myself who needed remodifications. Families like me that had actual hardships. To think you call yourself Bank of America. You are not what America stands for. You are a lying, cheating, Bank!!!!! U told me to apply for Remodification I did and you denied me over 20 times and I had lawyers tell me how disgusting u thieves were.You then told me get an offer on your home XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and so many more. I got an offer and then XXXX stated have it loaded into equator with the perspective sale date and fully executed contracts. I believe his boss then had him tell me due to delinquency we ca n't continue with a short sale, after you scheduled a home inspection. You are the most unprofessional lieing people. I hired XXXX lawyers and a real estate agent. I contacted the president, senators, XXXX XXXX, XXXX, news and women 's activist for your predijuce ways.You never had any intention of allowing me to short sale my home that 's why the new issue is the home is to delinquent! Is n't that why you short sale a home.Like I stated in my previous letter XXXX is a XXXX male of status just as his colleagues are.I asked that I not work with him before. I have been discriminated against by Bank of America and I will not be leaving my home. You will provide me with my short sale because somewhere in that company there is one person that has decency.I expect that you will postpone my sale for XXXX XXXX and allow me the option to conduct a short sale. I met one person in that company XXXX in short sale with actual morals. Calls like she says and is kind and XXXX also. Someone else has to have dignity .Please do n't allow me and my children to be homeless or displaced. Please allow me to short sale my home and move forward as my hardships have been my children 's also. Divorce, loss of job, loss of income and now loss of home. Have a XXXX heart!!!!!!!!!!!!!!!!! You have taken my home from me and my children!!!!! Thank you in advance give me the opportunity to move forward. You have discriminated against me enough and as you see I do n't go away. I will not go away XXXX XXXX, XXXX and XXXX XXXX have time to listen so I expect you to be the Bank of America. Help me Please please please. Let me short sale my home.What other excuse do you have. 
XXXX XXXX XXXX
Consumer complaint received 2016-05-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Adjustment Service, Inc. (IL)

I am being Charged for early terminaton fees on XXXX contracts I cancelled due to being mislead and I feel that XXXX also falsely signed another contract that they did not make me aware of they had me sign the 2 year contract with them using an electronic sign pad then told me that It did not take the first time and that I had to sign again they never told me that I was signing XXXX contracts they also told me that because it was XXXX special I was getting a Free speaker which they charged me XXXX for I would have never bought the speaker for XXXX if they would have told me the truth. When I called XXXX corporate office they said that the employee had been terminated and that they would credit my account XXXX but that they had my signature on the documents when I told them that it was fasley signed they also said that t was my problem I have had many complaints and all they can reaasre me of is that the employee was terminated and that I was not the only person this employee had done this to. I fell that I should not be reponsible for having to pay these terminatin fees due to feeling like they have violated my rights and in a sense commited fraud against me for copying my signature onto documents that I had not agreed to
Consumer complaint received 2016-10-25
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Oxford Law, LLC (TX)

I have an old outstanding credit card debt that I am currently paying to a debt collector, XXXX XXXX XXXX XXXX on a monthly bank draft for {$150.00}. The debt collector assigned to my account will call me to attempt to close out the account with an agreed amount, which I have not been able to do. If I do not answer the phone for any reason, he immediately calls my sons, wife, and an old business partner which have nothing to do with my debt. I 've tried to reason with him and have told him to stop calling people who have nothing to do with this, but he persists and continues to call them, actually calling XXXX of my sons this morning three times within a five minute period on his cell phone. I want this to stop. I have an agreement with them, and I 'm doing my part.
Consumer complaint received 2017-01-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

Filed a dispute with Equifax had some accounts deleted off my credit due to the fact that do n't belong to me ... These accounts have since been added back.. Never received a letter informing me if adding these accounts back. This is illegal please assist me in this matter.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2016-11-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (NY)

While attending graduate school at XXXX @ XXXX I was pressured by fellow students, professors and media to consolidate my loans. I consolidated my XXXX student loans with Nelnet with the understanding my interest rate of less than 3.8 % would be locked in and garunteed not to climb. Upon receiving the first statement, I found Nelnet already broke the contract by charging an interest rate over 5 %. I paid my loan until all my savings was depleted and I was no longer able to pay. My earnings are not enough to provide beyond basic survival. My loans were sold to XXXX XXXX, XXXX XXXX, and XXXX. Through college Assist I was offered a rehabilitation program for {$5.00} per month for 12 months to remove my loans from default status. When looking over the agreement I discovered I will be charged over {$30000.00} for the service.. This sort of fee is crippling on top of an already insurmountable figure considering my place in a ruined economy. The loan is increased by around {$100.00} a WEEK. I am being extorted. I find no offering of XXXX, deferment or forbearance offered. My requests went Un acknowledged by all contacted listed by the company. I 'm left with this rehabilitation program where I would be paying {$30000.00} plus approximately {$7.00} daily more as my only option of repayment.