davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (FL)

Hello, At this point this has been a couple years, but I opened up a Saving account with Marcus Savings and I transferred 2 amounts from my XXXX XXXX account and a couple days or week later I called to check on my account. The 2 amounts were around $ XXXX $ XXXX. I was told that my account was closed and the amount was being sent back to XXXXXXXX XXXX I literally never did anything fraudulent or something against the law for you to close my account abruptly. I was literally a brand new client for at least a few weeks at the time so this had to be a mistake. Please allow my account to be reinstated or open another Saving Account. I look forward to hearing from you.
Consumer complaint received 2020-01-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have several unverified accounts and I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now ( 2 accounts ) XXXX/XXXX/XXXX XXXX/XXXX XXXX   XXXX
Consumer complaint received 2019-05-22
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)

Transunion reported to XXXX XXXX that a credit card account ( XXXX XXXX XXXX ) was removed off my records! This created a drop of 8 points! I have never been associated with XXXX XXXX XXXX nor do I know anything about this company. I have not cancelled any credit cards!
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NM)

Today is XX/XX/2023. I am trying to unfreeze my credit report with Experian. I called the number for Experian XXXX XXXX XXXX and provided the information requested. When the prompts asked for a pin, I indicated that I didn't have it. I then asked to speak to a representative. Instead the prompts switch from XXXX to XXXX without any explanation, I have had the calls terminated, I have been offered an option to recover my pin with help from the voice on the line and then had the call terminated. I have made at least eight calls. Finally I spoke with a representative who told me that she could help me recover my pin by asking four questions. I answered them satisfactorily and she then assured me that she had unfrozen my credit report. I then called XXXX XXXX XXXX where my husband was applying for a XXXX card and spoke with the representative who tried to access my credit report and said that is was still listed as frozen. 

So I started the whole process again and after many many delays and frustrating interactions with the voice prompts I spoke with a second representative who assured me that my credit report was unfrozen. 

I told the second representative that I wanted a customer service number to call so that I could complain and try to assure that my account was unfrozen. She gave me the number XXXX XXXX XXXX, which offered the same prompts that the number shown above provided. No such thing as customer service was offered. Once again the prompts switched from XXXX to XXXX and then the calls were terminated. The second representative also gave me a number XXXX XXXX XXXX which is supposed to be the number for credit card companies to use. I called the credit card company again, ( XXXX through XXXX XXXX XXXX ) but the company refused to try that number saying that they do not make calls to Experian. I called the number and was routed again to the same voice prompts that I had experienced previously. Obviously this is a number designed to funnel calls to the voice activated system and to deny access to an actual person who could help. 

Next I tried the website. It asked me to verify my cell phone number and then it rejected the number. Next it rejected my home number and my husband 's cell phone number. It again requested the pin. I can not locate the pin since it has been several years since I requested the freeze as a result of security breaches. 

I know it is my fault that I can't find the pin but there should be some method for recovering it and allowing access to my credit information to reputable businesses. 

I am extremely worried that I may never be able to get credit again because I can not unfreeze my credit report ( which is excellent ). I can not connect with anyone at Experian. I need help. I will never deal with this company again.
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was a victim of mortgage fraud and have been trying to resolve this since 2008 and have not been able to. I received a call from XXXX XXXX stating that he was a representative from Country Wide who helped customers that had problems refinancing their homes. My understanding with XXXX XXXX was that I would refinance my home on terms suitable and I agreed ( after several meetings ). Later, XXXX XXXX told me that I would benefit from a " special financing '' program and that this was the only way to refinance my home. The special financing was that I could remain in my home and have a lower mortgage payment. I did not understand that the special financing was to tell my home to a third party and then have it Quit Claim Deeded back to me ( I learned this after the fact ). 

XXXX XXXX told me that I would need to make payments for the mortgage to XXXX XXXX XXXX in XXXX XXXX, CA ( which I did ). Several months later notices started coming in the mail for XXXX XXXX so I decided to open one. At this time I found that a XXXX mortgage had been obtained and payments were not being made ( I had no idea about this ). I went back and opened others and found out the XXXX mortgage payments had not been made either, despite the mortgage payments I made to them on-time monthly via cashier check. I contacted XXXX XXXX immediately and he told me payments had been made and it was a clerical error. That he would get back to me and never did. 

My son and daughter-in-law insisted that I contact the XXXX XXXX County District Attorney 's Office and I did just that. The DA conducted an investigation and Investigator XXXX XXXX informed me that this act was deemed fraud and issued me a case number ( case # XXXX ). He also informed me that the FBI had been notified and that XXXX XXXX and his associates had been doing this type of business throughout the XXXX XXXX XXXX XXXX as far as XXXX and further. I have contacted B of A on several occasions and they have not helped me. I filed for bankruptcy protection ( chp. XXXX ) and that did not help either. I have attached documentation proving the company that refinanced my mortgage was sanctioned for fraud by the California Dept. of Real Estate. I hired an attorney in 2008 and Bank of America refused to respond ( the original loan is a Countrywide loan ). Today, no attorney will take my case and I am now at risk of losing my home to foreclosure. I have attached supporting documentation. 
My home loan is in the name of XXXX XXXX who quit claim deeded the property back to me. After the XXXX XXXX County DA 's Office Inspector XXXX XXXX investigated this matter, he informed me that XXXX XXXX does not exist and that I am a victim of mortgage fraud.
Consumer complaint received 2016-12-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Profit Services Group (GA)

Profit Services Group ( XXXX, Ga. XXXX ) received mandate from XXXX to collect a debt generated by my visit to the ER at XXXX in XXXX. 

The insurance received the claim on XXXX and made a payment but the Profit Services Group is still trying to collect the alleged debt. 

The person who called has threatened : 1 ) Call my employer 2 ) Affect my credit if I do not pay immediately 3 ) Pretend to have mandate to collect the debt even if it was on recall
Consumer complaint received 2016-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (WA)

I had a property in XXXX, Oregon with a mortgage with XXXX. An XXXX Deed was filed on XX/XX/XXXX. Per the recorded XXXX Deed ( deed in lieu of foreclosure ), the bank owned the property as of that day. XXXX sold the mortgage to PNC Bank. PNC Bank ignored the recorded XXXX Deed, and proceeded with foreclosure of a property that is already owned by the bank. I attempted to contact PNC all XXXX credit bureaus multiple times, and was unsuccessful in getting any of them to respond and properly report the mortgage status on my credit reports. It took PNC XXXX YEARS to finally finished the foreclosure of a property they already owned in XX/XX/XXXX. At that time, the credit bureaus updated my credit report XXXX 5 years after the recorded XXXX Deed XXXX that the mortgage was foreclosed. The incorrect handling by PNC and the XXXX credit bureaus have caused significant impact to my credit standing and ability to obtain loans.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Closing on a mortgage — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Some how around 2011 my mortgage was bought by XXXX XXXX and during that time I had filed a Chapter XXXX and since then I have completed it almost a year ago! I have asked for payment statements and I have not received one to  this day and yet I still send in my payment. I have asked why there is no record of my payments being made on my credit records and I have not received an honest answer 4 different answers from 4 different people! I also dont understand where almost {$50000.00} has been attached to my loan.
Consumer complaint received 2023-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-07-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

Mr. Cooper/Nationstar Mortgage is doing faulty & illegal business with our mortgage loan. 
They bought our loan without notice, then improperly handled the transfer and our partial claim approval from our previous lender. They put us behind 2 months before even opening our account properly with Mr. Cooper. 
They continue to claim that we are being sent certified mail on several occasions but they can not provide us with tracking information or signed receipts from the mail. We have attempted contact through emails and the email address we were provided came back as unable to be delivered. They are documenting phone calls to us from several different numbers and never leaving voicemails or return contact information. 
They are now threatening foreclosure without cause. We are working with a recovery program and Mr. Cooper will not accept payments when we call to pay our monthly payment. They are demanding multiple payments at one time and continue to put us months behind. 
We have attempted to address our concerns with the escalation department, and we are not being heard. They are not taking our concerns serious or accepting fault in this matter because their doings are unjust and illegal. 
Nationstar Mortgage is currently being sued for these exact same actions, and many other illegal doings, on several other accounts. They are threatening to foreclose on our home due to financial errors on their part and they need to be held accountable, financially and for the emotional distress this has caused to our family. 

There have been hundreds of complaints filed against Mr. Cooper/Nationstar mortgage within the last 6-12 months. 

I am demanding a personal investigation into our account by a third-party company unaffiliated with Mr. Cooper or Nationstar mortgage. I would like this investigation done within the next 30 days from this date of request.
Consumer complaint received 2015-05-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have already filed a complaint with CFPB but i need to notify you about this. 
My home was sold in foreclosure on XXXX/XXXX/15 while being in a loan modification. 
The bank ( Bank of America ) legally foreclosed on my property and violated the Homeowner Bill of Rights. 

" Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. '' XXXX Please help in getting my home reversed from the bank due to negligence of the bank.
Consumer complaint received 2017-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America will not remove my PMI and Escrow account. I have 22 % equity on my home and they are asking for me to pay {$500.00} for an appraisal to remove the PMI. THEY are ripping me off every month by not removing this unfair fee.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX/XXXXXX/2010 shows late. This account was paid and closed from collections. It listed as late to date and has been listed for more then 7 years, this is illegal. It had credit score lower then correct number and has caused damage to loan approval. My XXXX and XXXX is XXXX score whike experian ia the continual problem and non truthful reporting.
Consumer complaint received 2017-11-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (TN)

I have a loan through a finance company called Covington Credit. I took out a loan late last year with them. I did initially have some trouble making payments. However, I was able to work with the company to get the account current. My problem started around XXXX of this year.I have a representative payee who manages my XXXX XXXX from Social Security. In XXXX of this year, my representative payee changed. This also changed the way payments would be made to the company. I told this to the finance company early in the process, so that there would not be any issues with the payments. Since that change happened, the company has not cooperated with the new representative payee. They have continued the collection process on my account, including adding late fees and interest, and reporting late and missed payments on my credit report. I have explained the situation to several different employees with Covington many times. I have spoke with the company over the phone, in person, and in writing about the issue. Each time I communicated with the company, I gave them contact information for my new representative payee. My representative payee has told me that they have communicated several times with the company and that they were uncooperative. I also had a troubling call in early XXXX with a woman named XXXX with Covington Credit. She had said that they have no intention of working with the new representative payee and that the company would be charging off my debt.
Consumer complaint received 2017-11-07
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: AMERICAN EXPRESS COMPANY (PA)

I have reached out to American Express and reported the debt as fraudulent. I have also reported it to the police and provided me with a police report. But American express still fails to acknowledge the police report. I had reported this XXXX many times and XXXX does not comply.
Consumer complaint received 2017-11-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX FL issued a Buyers Order ( attached ) as relating to the purchase of a NEW XXXX XXXX XXXX automobile pursuant to a request by Bank of America 's Auto Loan Division. Bank of America based its decision in financing the above mentioned automobile based on the aforementioned Buyers Order. While the mileage of the automobile was XXXX miles at the time of delivery, the Sales Embassador of XXXX XXXX XXXX XXXX XXXX XXXX advised us that the vehicle had that mileage because of the extensive testing on the track in XXXX and the occasional miles put on during test drives as the one we had conducted. 

A letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX, Senior Client Services Executive XXXX XXXX XXXX clearly states the following : XXXX XXXX XXXX 's demo vehicle and was originally registered on XXXX XXXX XXXX XXXX. 

Had I been made aware of the fact that I was negotiating / purchasing a DEMONSTRATOR automobile I would have had the opportunity to make an educated decision based on facts surrounding the transaction. 

The fact that I purchased a Demonstrator automobile unknowingly has caused a financial burden as I believe the car was not and not represent the correct values. 

I purchased a Demonstrator / Used / Registered automobile which had a delivery date / Warranty Start Date of XXXX XXXX, XXXX. The Manufacturer Warranty of 3 years Unlimited Mileage was also reduced by 4-1/2 Months. 

Bank of America was defrauded here as well, they may not have loaned the monies had they been aware the automobiles history.
Consumer complaint received 2020-01-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (AR)

Checked my XXXX XXXX report and I saw a collection on my report ... their was is CBE GROUP ... .so I called and who are u u and why do you have this on my credit report ..i have never heard of u or Nor do I owe u money ... .the lady begin to say that I owe for a light bill fromXX/XX/19 toXX/XX/19 the bill occurred in XXXX Illinois and I told , her I have never been to XXXX nor lived there ... I  asked her to remove this fraugulant info off my credit report ... ..i, reported them to the police Dept ..these people are scammmers trying to get my info ... .they couldnt answer any questions they wanted to tell all the info and I respond if u have put something in my credit report then why would u need me to give up the answer ... .once again plz check into This company a They are fraud ... .my resolution is remove the negative and fraudulent info from my report ... these people, are breaking federal, laws ... ..
Consumer complaint received 2020-01-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am in need of help from the consumer finance protection bureau regarding a lack of response from Trans Union the credit bureau. In XX/XX/2019 I opened a credit monitoring account after hearing of the XXXX data breach. Upon reviewing my credit monitoring report I discovered a lot of accounts that either did not belong to me or where reporting wrong to my credit. I initiated disputes by mail on or around the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019. I never received a response to these disputes by mail and was not informed of the dispute results or the status of their investigation. Assuming an investigation was ever opened as a result of my numerous dispute attempts in the first place. The accounts I believe to be inaccurate are XXXX XXXX XXXX XXXX {$1200.00}, XXXX XXXX XXXX XXXX XXXX {$900.00}. The accounts that do not belong to me are XXXX XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX XXXX {$370.00}.
Consumer complaint received 2020-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (VT)

Notified XXXX XXXX on XX/XX/2020 that a atm had debited my account but failed to dispense cash. Amount of charge was XXXX. Ten business days have passed without any response or credit. I believe this is in violation of federal regulations.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

THERE IS A COLLECTION ACCOUNT ON ALL THREE OF MY CREDIT REPORT FROM XXXX XXXX XXXX, THIS IS NOT MY ACCOUNT I HAVE NEVER HAD ANY ACCOUNTS WITH THEM PLEASE PROVIDE VALAIDATION OF DEBT. NO VALIDATION HAVE BEEN SENT, BECAUSE THIS IS NOT MY ACCOUNT,