davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -or- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) + XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Finance/Personal ( XXXX ) XXXX Collections XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$500.00} Needs Attention XXXX XXXX XXXX XXXX {$300.00} please remove all items due to and resulting from the identity theft that should be blocked, by name of the source, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Copy of Credit Report
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I sent dispute letters via Certified Mail to XXXX, XXXX, and Equifax in XXXX of XXXX. However, I did not receive a timely response from either bureau regarding my inquiries. In addition, I received return receipts well beyond the time it took to receive them. It is possible my inquiry was ignored and I have yet to receive results from the disputes sent in XXXX XXXX XXXX XXXX. I have waited an extensive amount of time for a response but none was given. I have receipts of the Certified Mail sent.
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

We submitted an application for a loan modification to PennyMac. PennyMac denied the application via a letter dated XXXX XXXX, 2015. PennyMac failed to include in its denial letter the name of the investor and the NPV results. Pasted below is the excerpt from my letter to PennyMac. 
PennyMac claims the XXXX following reasons that the application for a loan modification was denied as stated on Exhibit A of PennyMac 's XXXX XXXX, 2015, letter : Capitalized Loan to Value ( LTV ) Excessive Forbearance Housing Expense Ratio Outside of Acceptable Range Insufficient Net Cash FlowPennyMac has failed to provide the total capitalized unpaid principal balance, the value of subject property, the income and debts used in its calculations. These are all data inputs used in calculating NPV ( net present value ). See Home Affordable Modification Program, Base Net Present Value ( NPV ) Mode XXXX Model Documentation here : XXXX See pages XXXX that state the NPV model inputs - these inputs include unpaid principal balance before modification, property valuation, borrower 's total monthly obligations and monthly gross income. As PennyMac is claiming the reasons for denial include the LTV and the inability to come up with an acceptable modified payment and insufficient net cash flow then these values must be disclosed as PennyMac engaged in a net present value calculation. 
As explained in the Comments to 12 C.F.R. 1024 ( d ), if a trial or permanent loan modification is denied because of a net present value calculation, then the denial notice must include all the inputs used in the net present value calculation. 12 C.F.R. 1024, Supp. I, 41 ( d ) cmt. 2. PennyMac 's XXXX XXXX, 2015, letter does not include any inputs it used in this calculation. This is exactly the kind of information called for by RESPA to enable borrowers to make an informed decision about whether they should appeal the servicer 's loss mitigation determination or pursue other options. PennyMac failed to provide it. 

In its XXXX XXXX, 2015, letter PennyMac states " We may order an appraisal or other forms of valuations to determine the property 's value in the course of reviewing your application. If we do order any valuations in connection with the application in determining whether your loan qualifies for a loan modification, a copy of the valuation ( s ) will be enclosed with this notice, if applicable. '' Clearly the value of the subject was used in reviewing the application as one of the reasons for the denial is due to capitalized loan to value. The value in " loan to value '' is the valuation of the home yet PennyMac failed to enclose with its letter any valuations of the property. PennyMac representatives disclosed to me that PennyMac had a BPO completed on XXXX XXXX, 2015, that resulted in a value of {$69000.00}. Is that the value that PennyMac utilized in reviewing this application?
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC (GA)

The mortgage service company has been doing my annual escrow analysis incorrectly for the past two years ( XX/XX/XXXX and XX/XX/XXXX ). They do the analysis in XX/XX/XXXX, a month before my county and city taxes are posted on my county 's website. As a result, their numbers ( and dates ) are incorrect, leading to incorrect shortages, which translate to higher monthly payments. XX/XX/XXXX, it took several months to resolve this. It is now happening again XX/XX/XXXX. I received my escrow analysis dated XX/XX/XXXX and have been trying to resolve for over two months now, and it is still not correct. I have provided copies of both my county and city taxes with correct amounts and due dates, and I have still not received a printed revised escrow analysis to prove that they have made the changes and correctly recomputed my escrow payments. As a result, the incorrect monthly amount was due XX/XX/XXXX ( today is XX/XX/XXXX ), and I was forced to make a payment to avoid late charges although the issue has not been resolved. For the past month, I have been working exclusively with XXXX XXXX, a customer service rep, who is trying to help resolve this. He informed me ( for the first time ), that I could also request that the shortage be spread over 24 months instead of 12, so I submitted a request to have that done as part of the escrow re-analysis. I am still waiting for both of these changes to be incorporated into a revised escrow analysis, in writing, that proves they are using the correct tax amounts and the correct due dates. This is the most challenging mortgage servicing company I have ever dealt with ( I have owned XXXX properties serviced by multiple companies in the past 20 years ), and I do n't have time to go through this every year as I have for these past two years. Please help!
Consumer complaint received 2016-01-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I am filing a complaint against XXXX XXXX XXXX in XXXX, FL. I had XXXX there XX/XX/XXXX & XX/XX/XXXX ; my co-pay was {$500.00}, I paid {$230.00} on XX/XX/XXXX. I spoke with XXXX, Supervisor in Billing Dept in XX/XX/XXXX to advise her that I needed an itemized list of charges as well as informing her I would need a payment plan to pay balance of co-pay as I am on Social Security with no other income to assist me with unexpected expenses. I am lucky I had the {$230.00} saved up. They offered me a payment plan of {$25.00} per month, I said with the other medical bills ( XXXX , Dr 's co-pays, etc ) I would only be able to pay {$10.00} per month until I pay the other medical bills off then I would be able to pay more. She gave me a verbal ok on the {$10.00} per month. This week I get a collection letter from Gulf Coast Collections. I do n't understand how medical facilities can not work with you when knowing your financial situation. I realize they have 'policies in place ' but there are circumstances that the consumer just can not meet these strict guidelines. Plus when I had a verbal ( phone conversation ) that it was ok to pay the {$10.00} per month, they had no right to turn acct over to collections. I am hereby writing to the Administrator of the hospital also venting my frustration about their policies. I also have never received a statement of charges for the amount of my co-pay or showing that I paid the {$230.00} towards my co-pay. ( I do have a receipt showing I paid the day of the XXXX, but I should have received a statement showing total charges, balance due and any paid amount ( s ).
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have carried a Bank of America XXXX for two decades. I have a {$25000.00} credit limit, which I never approach. I pay every monthly balance in full and on time, and have never had an interest or late payment fee. About once or twice a year, a " hold '' is placed on my account for reasons which are never explained. After hassles XXXX as detailed in the attached materials ), the holds are removed. I am asked to review recent charges, and these have always been from local vendors or individuals with whom we do business regularly. I have complained about this regularly, and am simply told that BOA is trying to protect me from fraud, and that they can not share the reasons for which the holds were placed. 
Most recently, I have had three such holds in the past few weeks, including XXXX in a 24 hour period. I have pleaded for an explanation, and have simply been told the same thing : BOA monitors cards and places holds for various reasons which they can not share. 

I should probably just replace this card ; I have another card ( XXXX XXXX XXXX which I use for business and some travel, and have never had such an experience. In fact, I sometimes use that card when my XXXX is declined. The problem with replacement, beyond the hassle it would create, is that by applying for such a high-limit card while another card is still active I would probably trigger an adverse credit report event. Thus, BOA has effectively trapped me in a situation where I have ongoing problems with their card, but can not get out of the card without suffering adverse consequences.
Consumer complaint received 2015-11-24
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp. (FL)

I called Southeast Toyota Finance to arrange for the turn in of my leased XXXX XXXX. I was given a payoff quote and had that money immediately withdrawn from my bank account which they were able to do since payments were automatically debited from the account. That was on XXXX XXXX so at that point my balance was XXXX and that transaction was immediately reflected in my XXXX account. On Monday, XXXX XXXX, another payment was withdrawn from my account because in the process of closing they had not stopped the automatic debit. I called today XXXX XXXX and was told that I had to prove to them that the transaction had cleared by sending a complete end of month bank statement. How ridiculous! I bank online, they take my money online, and they want me to wait till the end of the month and fax them a paper end of month statement which I print online to prove that they have my money which they can find out just as easily as I found out about the error looking at my account online. This whole situation is absurd. They actually had the nerve to tell me that I should have stopped automatic payments but when I told them that I just had done that online they told me that my online action had no effect until they took action. Well, obviously they are in no hurry to take action in stopping erroneous debits to my account. They took my money in error, they know that they took my money and they want me to prove it????? 
I have attached a copy of a screen dump of my account ( which they said is not adequate proof! ) showing the payoff payment and the overpayment.
Consumer complaint received 2015-08-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX/XXXX/2013 I went to the ATM to withdraw {$30.00} from my account it was declined because there was only {$20.00} available on this day I withdrew the {$20.00}. On XXXX/XXXX/2013 I had a XXXX however I received a notice from bank of America XXXX/XXXX/2013 stating that I had overdrew my account by {$8000.00}. How is this possible when I could n't withdraw my account by {$10.00}. I visited the bank and filled out paperwork disputing the charges I was told everything was ok. I have since tried to open an account and have been declined, and was told that I could n't open an account nowhere in the United States, This was told to me by an employee of Consumer Finance. I ask that you please help me in this situation it is not fair that I am being wrongfully accused of an action I did not caused. This has drastically hurt me I have been homeless and hungry at the time in question and {$8000.00} could have really helped me, this situation has caused me pain and suffering.
Consumer complaint received 2015-08-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had my Bank of America checking account as well my credit cards accounts closed without a warning or reason.I just found out about it after trying to use my credit cards and getting denied. When I went to the bank to get an explanation i was given a XXXX number with a message saying they can terminate their relationship anytime and do not need a reason for it.
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NJ)

To summarize my chief points/complaints to the CFBP regarding the subject bank : 1 ) The Company sent several letters, amid the COVID crisis, to my PO Box at an address that was subject to a severe lockdown order, and despite these difficulties, I replied fully, immediately, and appropriately. 
2 ) The Company has disregarded my explicit and documented request to submit informational requests via hard copy mail, which I believe is my right under the Fair Credit Billing Act. 
3 ) The Company has made no additional information requests of me, and has reapplied the disputed items with no written explanation. The oral explanations offered over the phone are inaccurate, nonsensical, and also completely unreasonable expectations for customer behavior in the midst of a national and local crisis. 
4 ) The Company phoned me on Friday XX/XX/2020, ostensibly to discuss its concerns, but provided me not even a single business day to respond before rebilling the account on XX/XX/2020. 

Please see attached detailed account of my dispute with the Company.
Consumer complaint received 2015-10-18
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XXXX/XXXX/2006, a car sales man from XXXX XXXX, XXXX and Bank of America, forced me into an auto loan contract at an exorbitant interest rate. The name of the sales man is XXXX XXXX. XXXX XXXX in presence of the Finance Manager, told me that my interest rate is 7.99 % APR. When I refused to accept it, the Finance Manager told me, generally XXXX, XXXX, XXXX and other people of XXXX, get 3 % higher interest rates. He told me if I was white, he would give me interest rate of 4.99 % APR. He held my car hostage and told me that I had already signed my car as a trade and he told me that the car now belongs to XXXX XXXX. The Finance Manager told me that I had already signed the checks for {$3000.00} towards the down payment and I ca n't have it back. The Finance Manager and XXXX, told me that if I back off from the deal, I will lose the {$3000.00} and I have to walk home as my car belongs to XXXX XXXX as I have signed on the title. The Finance manager also added add-on products without my consent, even after, I declined the add-on products. I signed this contract under severe duress from this unscrupulous finance manager and XXXX XXXX who threatened, intimidated and coerced me into signing this contract. I can not find appropriate words to describe the pain, humiliation, grief and suffering, XXXX XXXX, Bank of America and the Finance XXXX from XXXX XXXX inflicted on me. Few years back I went to XXXX XXXX with one of my XXXX friend. XXXX XXXX spoke to my friend in XXXX and told him to stay away from me. My friend told me later that XXXX told him to stay away from me.
Consumer complaint received 2015-09-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Hello, Yesterday, the IRS put a levy against my bank account. Bank of America decided to levy my entire amount then to charge me {$100.00} for admin fees -- - thus actually overdrafting an account that minutes earlier had over {$6000.00}. They then, of course, charged me an overdraft fee. 
I immediately called the IRS. We agreed that they could have {$1000.00} and they would release the rest right then. They said it could be instant or take 24 hours. Today, my account is still negative and another overdraft fee. I called the B of A legal department. They claimed they received the order to release this morning, and the funds should be available by tomorrow. I am guessing they will tack another overdraft fee on my account. 
I do n't understand why B of A levied a greater amount than I had in my account. They should have pulled their admin fee out first, of course. They purposely made my account negative. I got the levy released immediately. This is clearly just a mistake. I have been with the bank since I was XXXX ( XXXX now ). I do n't think I should be punished because B of A themselves overdrafted my account. I do n't think I should keep receiving overdraft fees because I am waiting for them to take the hold off of my account that they placed. 

Thank Bank of America.
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY (IL)

I have had an AMEX card since 1980. I have never been late on payments before this last month whenI dismiss a {$100.00}. payment. I am now receiving 10 to 14 calls each day for the last 5 days ( Thur. thru Mon. - even on Sun. ) This amount of calls for an old customer with good history and for this amount of money is RIDICULOUS! It has truly upset myself and my wife who wants to now drop the card entirely, to which I agree, but I feel this type of undue harassment should be dealt with by the government.
Consumer complaint received 2023-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (PA)

I was contacted by National Recovery ( NRA Group LLC ) via text and email notifying me of a debt they alleged I owe from XXXX. The address they provided was incorrect and I knew without a doubt the debt was not mine. 
On XX/XX/XXXX I sent National Recovery a letter via USPS demanding substantiation of the debt and an e-mail notifying them of the incoming letter. I also explained in the email that I would file a police report with the information they provided as this debt was the result of an error or identity theft. 
Despite my USPS letter and two emails, I did not receive a response or substantiation of the debt in any form. Meanwhile, National Recovery filed and reported the fraudulent debt the credit bureaus. 
On XX/XX/XXXX I contacted National Recovery again by email and by phone. They said they would investigate the matter.
Consumer complaint received 2017-01-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has intentionally sabotaged my account and the associated " Pay for Performance '' plan annual incentives, a minimum {$5000.00} value, I am now no longer eligible for due to the incorrect denial of a Home Affordable Modification Program ( HAMP ) of XX/XX/XXXX and the subsequent appeal, that to date, I have yet to be informed of the resulting determination made upon completion of the appeal review of XX/XX/XXXX in writing. 

Just to be clear, Bank of America has never written to e informing me of the resulting determination made upon completion of the XX/XX/XXXX appeal review and associated Appeal Report with documentation. In fact, Bank of America has represented to me I have been denied HAMP on appeal multiple times since XX/XX/XXXX by the various assigned dedicated single point of contacts ( SPOCs ). 

Additionally, Bank of America has charged my account for the balance due on the CalHFA XXXX Deed of Trust by adding that amount to the principal balance in XXXX and have been assessing interest on this amount as well since XXXX, but failed to forward payment on the CalHFA XXXX Deed of Trust to CalHFA or the State of California since XXXX and to date. It is unclear if Bank of America intends to forward payment in full on the XXXX CalHFA Deed of Trust associated with this account at this time, or reimburse me the total amount charged and assessed to the principal balance on this account to date, including interest. To date, I have not been reimbursed for any charges and fees, including interest, that have been erroneously associated with this account. 

Bank of America has committed fraud on a mortgage or Deed of Trust by misrepresenting and omitting material facts related to this account during the loss mitigation processes to date. Not only has Bank of America acted fraudulently, Bank of America has acted negligently by intentionally prolonging the modification process with the use and employment of stonewalling tactics designed to separate me from my home and property, however unlawful. 

91 ) Financial Sabotage ( on a mortgage or Deed of Trust ). 
92 ) Malicious Cedit Reporting. 

All previously mentioned resolutions are desired and mandatory and must include all associated dollar amounts related to this account including, but not limited to the total value of the Pay for Performance incentive plan.