davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I fell behind on my mortgage in XXXX 2016 due to unemployment. I hired an attorney to help me submit my paperwork to Bank of America to ask for a loan modification to save my home. Bank of America confirmed they received my application in XXXX 2016. My attorney worked with them to get them all the requested documents for a complete financial package by early XXXX 2016. While I was in the review process, Bank of America mailed me an automatic Streamline Modification offer ( dated XXXX/XXXX/16 ; attached ). My attorney advised Bank of America that I was not interested in the Streamline Modification program because it has a higher payment than the HAMP program. My attorney repeatedly asked Bank of America to remove the Streamline Modification offer because I wanted to be reviewed for the HAMP modification program instead. Bank of America repeatedly told my attorney that they would review my loan for the HAMP program. Thus far they have NOT reviewed me for the HAMP program. They keep sending me letters trying to get me to accept the ( WORSE with a higher payment ) Streamline Mod offer. Now my attorney recently followed up with Bank of America and they state there is no review open any longer. Basically they cancelled my HAMP review because they are trying to force me to take the Streamline Modification offer that has a much higher payment than the HAMP program. Now the HAMP program has expired and Bank of America evaded reviewing me for the requested HAMP program. I know they had a complete file because they approved me for a modification on my 2nd mortgage. I do no think it was right for Bank of America to evade reviewing me for HAMP solely because their system had already approved me for a worse higher payment ( Streamline Mod ). My application was in before HAMP expired and Bank of American should not be able to evade reviewing me solely becuase they want me to take a worse program ( Streamline Mod ).
Consumer complaint received 2015-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Columbia Recovery Group LLC (FL)

I spoke with the representative named XXXX on XXXX XXXX, 2015. He cursed and was verbally abusive towards me, and my husband. Also, he offered to have me make a payment up front of {$150.00}, and I said no I could not do it that night, and when my husband called today XXXX XXXX, 2015 to make the partial payment of our debt, he called me a liar to my husband, and hung up on him. That is not professional and verbally abusive.
Consumer complaint received 2023-07-03
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX {$52000.00}. XXXX XXXX {$20000.00} XXXX XXXX {$100000.00} XXXX XXXX {$8500.00}. XXXX XXXX {$3500.00} have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.I have a right to opt out of having accounts reported to my consumer report and now I am exercising my rights to do so.remove all accounts list at once.
Consumer complaint received 2016-04-25
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Shellpoint Partners, LLC (TN)

NOTICE this attorney is indirectly engaged in a illegal debt collection action and identity theft. I am the consumer creditor as defined in 15 usc 1692 A3, 1692 A4. The company is in violation of federal law including a communication issue, 1692C a-c, and failing to obtain prior consent nor expressed permission to communicate about alleged debt, after filing complaint with CFPB, a cease and desist, and notice of dispute to this entity and the entity XXXX XXXX XXXX. and representatives. Shell point Mortgage Servicing responded that the account will be updated to cease. However your documents with the register of deeds is another violation of Federal Law 1692D 1,2,3. I am a victim of Identity Theft, and your company and others have use unauthorized information to report and open accounts. I demand you withdraw your documents and in 7days obtain sworn, under penalty of perjury, verification and validation of the alleged debt1692G a, b, or the consumer will presume that 1692C c-1 has been invoked.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I am in the process of repairing my credit and have sent over disputes of items that are reporting negatively on my credit reports. XXXX of the companies I submitted a dispute to was Equifax. I received a letter from them today stating that an investigation was completed and they received a information from a third part vendor called XXXX. Mind I have a security freeze that 's been in place since XXXX/XXXX/XXXX and the investigation was done and completed XXXX/XXXX/XXXX so how it is possible for them to verify information that is not available to them. I also noticed that a bankruptcy from XXXX that was not on my report prior to this dispute has all of a sudden re-appeared on all XXXX credit reports and since this dispute I have been receiving harassing phone calls from creditors whom did not have my information to being with. I verified that XXXX has my account on a security freeze since XXXX/XXXX/XXXX and they did not provide information to Equifax. This is under handed reporting is very unprofessional and has caused myself and my family more financial hardship.
Consumer complaint received 2017-01-08
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (PA)

On XXXX night XX/XX/XXXX XXXX going into XXXX XXXX use to withdrawal XXXX the machine got to the point where it stated to counting the money but the door that the money comes out neve opened up instead it repeated The process again but no money stii does n't in it printed a receipt saying incomplete transaction. So I used the machine next to it abd this time a receipt comes out stating contact your financial institutions. So but now Im on the phone with my financial institutions which is American express they tell me that on their side the money came out. So now I 'm mad because they was playing with my hard earned money I get the manager of the XXXX to make him aware of what was going on with the Mac machine. So a lady comes in about XXXX to use the Mac I asked her could see use the one that I used to see if it works for me and low and behold the Mac machine got to when it ask you your amount. Well the lady went to hit XXXX the Mac machine cuts completely off then cuts right back on and saying temporary out of Order and American express keeps playing game they told me to send copies of my receipts I also sent my drivers license and prepaid card I sent in then they stated that I have to fill out a dispute form out I filled that out. I call them on XX/XX/XXXX to see if they received the documentation they asked me. Then they informed me that they was n't going to contact XXXX. " supplies all the Mac machine ib the XXXX '' but that they was n't going to contact them until XX/XX/XXXX and then contacting them they was n't going to contact me until XX/XX/XXXX. But instead e-mail me XX/XX/XXXX @ XXXX. Telling me that they was n't going to put my money back into my account and that if I wanted what paperwork they sent to XXXX and that take 5 business days
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

There are several inaccuracies on my credit report that I thought I clarified with documentation. I had sent, copies of divorce papers, police report and copy of my dl, and the credit reporting agencies still have not updated my accounts. 
Furthermore there were XXXX fraudulent addresses on their reports of places I have never been, accounts I had never opened. They ignored the updates to my file. These errors affect my life, I am on a fixed income and every point in this system, which I am at their mercy to counts by the dollar. I want all of them held accountable for their mistakes. I do not want to lose my house because they do not scour the information like they claim.
Consumer complaint received 2015-08-17
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I received a check from a business doing their banking with Bank ofAmerica. This bank charged XXXX ( XXXX ) dollars to cash a check written forpayment at their bank. This is common practice in XXXX XXXX, Nevada.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Shellpoint Partners, LLC (CT)

We signed an agreement to assume and modify our mortgage through XXXX. Two days prior to finalization with them they sold it to Shellpoint Mortgage. They were supposed to adhere to everything agreed to by XXXX and us. Removing my ex-husband from the loan and placing me there since we had a Quit Claim deed, the amount of repayment and monthly payments were also supposed to stay the same. However, they replaced my name with my ex 's and raised the original agreement amount from {$2500.00} to {$2200.00} in XXXX then {$2500.00} in XXXX and raised it again in XXXX to {$2600.00}. This is getting a little ridiculous. They keep taking on fees and interest that should n't be there stating we are a month behind when I have never missed a payment. Please help
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Credit determination — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

I attempted to pay my HSBC XXXX ( Account XXXX ) back in XXXX 2016 via online payment. Thier system was down and I was unable to make the payment after several attempts. I managed to get through and call my payment in. I was refunded late fees due to their system being offline. Later, back in early XXXX, I discovered that they had reported my account delinquent and had been reported to the various credit agencies. They had canceled my account without my knowledge. I tried to get them to remove the negative report, but they insisted they were not at fault - even though they had previously admitted it was their fault when they refunded the late fees. This has caused a series of financial difficulties including a higher car insurance premium and a higher mortgage loan rate.
Consumer complaint received 2016-09-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (GA)

The Credence Resource Management at XXXX XXXX XXXX, XXXX XXXX in XXXX, TX XXXX has been sending me collection notices. This company states that they represent XXXX XXXX XXXX and that I owe {$980.00} toward trip/account number XXXX. I paid this amount in full to XXXX XXXX XXXX by check on XXXX XXXX, 2015. This check cleared my bank on XXXX XXXX, 2015, however, Credence Resource Management has refused to acknowledge this payment with XXXX XXXX XXXX. This collection company was sent XXXX written notices by me. The XXXX written notice was sent by regular mail on XXXX XXXX, 2015 and XXXX notice was sent by certified mail on XXXX XXXX, 2015. XXXX notices informed this company that XXXX XXXX XXXX has been paid and they continue to send me collection notices.
Consumer complaint received 2016-10-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

My father died back in XXXX. He has a brokerage acct. at HSBC with myself as the beneficiary. I have been trying for over a year now to get the bank change the title on the acct. And, I have gotten nowhere with them. I filled out all of the paperwork they said they need to make the change, but nothing yet. I should that this amount time to do something like this. And now, I ca n't even get the agent on the phone ; nor, have I received everything from about this matter.
Consumer complaint received 2016-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc. (OH)

I have a a unverified account from CBE GROUP # XXXX. I had previously disputed this account this account. I have never done business with CBE GROUP INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of th debt CBE GROUP INC purport I owe. I request that CBE GROUP INC Provide 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. I want to request that CBE GROUP lNC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Consumer complaint received 2016-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CL Holdings LLC (TN)

First off, these people are contacting me for something that is n't mine. XXXX cell phone bill. I have XXXX of them on my credit report. They are not mine. I have challenged them and filed complaints. How can a person open XXXX accounts with XXXX in a year?? I do not know if someone opened these up in my name or if this is some kind of paperwork error, but these are not mine. I tried to explain that to the man that called me and he laughed at me, said it was n't his problem. He asked me how I intended to pay bill. I told him I was n't going to pay this because this is n't mine and it 's being disputed. He then told me they could take me to court and have it taken out of my paycheck. he called me a deadbeat, and refused to let me speak to a supervisor. Then the following day I received XXXX calls from them. I thought it was illegal to call more than twice? I 'm so sick of this. These accounts are not mine!
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

ChexSystems is NOT replying to my claims. 
The FCRA Section 605B does NOT allow ChexSystems the right to NOT block items on my credit report with them, because ChexSystems " thinks '' that my police report, is LIMITED to the time frames I THOUGHT the ID theft occurred. ChexSystems is NOT blocking ID theft items because they are interpreting the law in their own way. I have provided them copies of the law to show that they are totally incorrect in their interpretation. They feel they have answered my claims when in fact they are lying and avoiding my claims. Section 605b of the fcra does not allow any time frames to be interpreted into the law it only allows for them to block the items I claim as identity theft if I submit an identity theft report. Check systems must block the items within four days of receiving everything that the law requires of me which I have provided them several times. Their refusal to act according to the law is my claim here. They interpret the law differently than the law is written. That is illegal and they are breaking the law by doing this because only Congress can rewrite their laws and only the courts can interpret the laws to have them be valid period check systems does not belong to either one of those entities and so they have to follow the law and not rewrite the law period my claim is because I was a victim of identity theft since the XXXX 's, and when I filed the police report in XXXX I was not aware of the full extent of the identity theft or how long it would last. Section 605b of the fcra does not give time frames or allowances for the credit reporting agencies to interpret the law and say your identity theft claimed items do not fit into your police report. That is what they are wrong and breaking the law. This is what I want them to respond to. The fact they are not reporting XXXX or XXXX or XXXX on their systems anymore is nothing to do with them period I did all the work to get those things removed from my personal information all they had to do was follow up and see that the company did not want to report anymore. They act like they did something when all they did was harm me for over two years with XXXX and XXXX and three months with XXXX period because they reported those items against the law. Please have check systems reply to these claims and not how they 're trying to divert attention from the fact that they are breaking the law and rewriting the law and think their policies are the new law. All I have to provide them is a copy of an identity theft report and then ten years after that report I can say I 'm still a victim of identity theft and that 's identity theft and they have to block that item without question within 4 business days. The fact they 're saying it does n't fit into the police report his where they are lying and breaking the law and they can not reinterpret the law the way they are.
Consumer complaint received 2016-01-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

On XXXX 2014, my purse was stolen from my car in XXXX, XXXX. I called XXXX XXXX right after the incident to inform them my wallet with debit card, credit card and photo ID was stolen. However, they let the person/people that stole my purse cash checks on my name in another state a couple of days later. My account was frozen until the case was resolve XXXX months later. Because the process took so long and the bad service at XXXX XXXX, I decided to move my account to XXXX XXXX in XXXX. Recently, I moved to XXXX where XXXX XXXX is not available and also got married, I 've tried to open another checkings account in a local bank but i 'm not allowed. Also, I tried to open an join account in XXXX with my husband, who is a XXXX costumer, but I ca n't do either because XXXX XXXX let someone steal from my account twice even though I called and cancelled everything. They even let it overdraft by thousands of dollars. I have the police report which states someone broke into my car, I even have the receipt from my cars repair. I have excellent credit. However, I not allowed to open a checkings account because of XXXX XXXX 's incompetence. To this day I do n't understand how XXXX XXXX let this happen. Who cashes checks for XXXX in a different state after they called a few days before to inform the bank about a robbery. On top of stealing from a client then they do n't let people bank with anyone else.
Consumer complaint received 2016-08-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Lender : Bank of America, Home Loans, XXXX 2016 to XXXX 2016 Issue # 1 ) My wife and I were promised by BofA that after a loan modification was completed, our last three months of our reported credit reports ( All XXXX agencies ) would be marked " Pays as Agreed, '' " On Time, '' " No Delinquencies. '' Now, 60 days have passed after the successful completion of the program, we have been current and on time for past 5 months, and BofA has still not made the corrections. 
Issue # 2 ) We had excellent credit prior to the forced loan modification. BofA would not assist via a home loan refinance, and told us the only option would be to " Default '' on our mortgage, and then we could qualify under 'other ' programs. Our intentional default was directed by BofA, and now we have taken a major hit to our FICO scores ( as partially expected ), but were promised that the retroactive repairs to the last 3 out of 6 months would be corrected to demonstrate a resolved and satisfied account. 
Issue # 3 ) Horrible Loan Modification Option - With excellent income, and no option but to intentionally default, the final loan modification was a balloon payment loan. No choice! We had no option to Refi, or apply for a conventional or jumbo fixed rate loan. BofA basically had us by the XXXX!
Consumer complaint received 2016-03-28
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc. (NY)

I requested account closure via XXXX mail XXXX/XXXX/2016, per the Terms and Conditions of the account, by mailing the card and a letter requesting closure. While not required per the t & c, I also included copies of my photo ID, as a courtesy and proof of my identity and address. My account balance at the time was XXXX, and I asked that it be sent via check to my address on file, which matches the address on my photo ID. As of XXXX/XXXX/2016 I have still not received a refund. I was also charged a 'monthly maintenance fee ' of {$5.00} on XXXX/XXXX/16, and again on XXXX/XXXX/16, indicating the account has not been closed.
Consumer complaint received 2023-09-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (TX)

I moved out of XXXX XXXX apartments on XX/XX/XXXX and received a move out notice with remaining charges. The dates of the specific charges incurred were not clear to me or reflected a timeframe of the previous month. The previous month was already taken care of in the following months rent and utilities that I paid. It was confusing so I emailed back inquiring about an explanation of the charges just to make sure they were accurate. I never heard back ever since. I honestly assumed they reviewed it, and adjusted my account. Also I quite literally havent thought about any of this since I moved it. From then until now, end of XXXX. On XX/XX/25, I see that Ive been sent to collections. When I contacted the leasing office, the XXXX said she apologized as the lack of communication was probably due to XXXX, assistant property manager, leaving her position some time after sending my move out statement. I even disputed with XXXX XXXX but its still on my report. I have no problem paying but I dont want this on my report. Why should my credit have to suffer due to their failure to communicate? I never received a response to my email explaining the charges OR a phone call. Not a single attempt to contact me. This whole time, I didnt know I owed anything to them.