davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Due to a hardship, I was unable to pay my home mortgage payments. I had a first mortgage with XXXX XXXX XXXX and a equity line of credit with Bank of America. My home was foreclosed upon in XX/XX/XXXX. Both loans were real estate loans and the collateral was the home. MY COMPLAINT is with Bank of America who held the equity line of credit. BofA reported the loan as charged off initially. Then 30 months later, ( XX/XX/XXXX ) a BofA collection representative started calling me threatening a lawsuit if I did not pay the money owed on the equity line. I was asked and agreed to pay {$5000.00} to settle the account. I have attached the note and deed of trust for the equity line showing that the loan was secured initially by the property but in the aftermath, it should be shown on my credit as a chaarge off - settled for less than due and not a Foreclosure. The way BofA is reporting this on my credit is keeping me from purchasing another home for 3 years. I am requesting B of A report this as a charge off of a credit account and not a foreclosure.
Consumer complaint received 2015-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

This complaint is against Wells Fargo Bank for violations of the terms and conditions of Federal government 's mortgage modification program ( HARP ). Violations of the law include but are not limited to the following:1 ) A blatant miscalculation of income. ( Adding a 25 % increase in income on a household contributor even when it was not supported by fact, law, or the documents submitted ) 2 ) Taking longer than XXXX days to deny the appeal. 
3 ) Not following the guidelines for the application and appeal process set forth by the Federal government for loan modifications. 
4 ) Wells Fargo falsely falsely accused customer of not submitting enough documentation to support appeal of original denial. 
5 ) Customer we given false and conflicting reasons for denial.
Consumer complaint received 2016-10-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC (CO)

Since XX/XX/2016, the loss of use of this vehicle due to the negligence of XXXX. Byridder 's claims has been greater than 115 days. 
This is completely unacceptable. We have continued to pay the car payments due, yet, have had no use of the car in over three months. 
Although XXXX. Byrider claims no to sell cars with salvaged, restored or rebuilt titles because as they say " Cars with branded titles often 1 ) Wear though tires more quickly, 2 ) have mechanical issues 3 ) have a significantly lower resell value 4 ) May have Safety Issues ''. 
XXXX, states that this XXXX XXXX XXXX would be included in the Buy Back Protection program. We were never offered XXXX or Buy Back Protection. 
On XX/XX/2016, when were in the process of the purchase of this vehicle we were presented with XXXX-XXXX different XXXX reports that did n't belong to the car we were planning to purchase. Unclear why it was so difficult to get us the right one the first time. The XXXX XXXX that we were presented with finally on the XXXX mentioned nothing on the unaddressed recalls on the vehicle and lacked previous records. 
Also, on XX/XX/2016, XXXX. Byridder did not provide a Buyer 's Guide to us on the XXXX XXXX. There was nothing in the vehicle window nor any Buyer 's Guide provided at closing. There was no price posted in the window, as well. 
When we sat down with the General Manger, XXXX, and he presented us with a Preliminary Purchase Worksheet. He had the price of the car listed at {$11000.00} & trade difference listed as {$11000.00}. However, we asked about the {$4000.00}, incentive deduction that they had going at the time. At that time XXXX, wrote in {$15000.00} & wrote in - {$4000.00}. So instead of the selling price of the car to be {$7900.00} it was now {$11000.00}. XXXX stated that he had already deducted the {$4000.00} before bringing us the paperwork. However, the paperwork does not represent the same. The car at the time of purchase had XXXX miles as of today XX/XX/2016, the car XXXX miles. The XXXX XXXX XXXX value of the car in Great condition is {$1500.00}. 
We believe these matters with XXXX. Byridder needs be addressed immediately. 
XXXX and XXXX XXXX are requesting that XXXX. Byridder, XXXX, XXXX XXXX XXXX and all affiliates release XXXX XXXX XXXX & XXXX XXXX XXXX, from any further financial obligations. Clear this car as paid- with only positive reporting to all XXXX credit agencies and refund the monies paid on the vehicle to this of {$2600.00} point due to the loss of use since XX/XX/2016, and at that time we will release the vehicle back to XXXX. Byridder. 
Out of less than 180 days the vehicle has been at XXXX. Byridder in XXXX, greater than 105 days.
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I have been paying a private student loan through Navient for about 4-5 years now and I can barely keep up with the high payments of $ XXXX/month with an 11 % interest rate. I have spoken to representatives constantly and no one seems to be able to or want to help. I have a co signer, My co signer has no plans on helping me financially he just signed so I can get the loan and continue my education. All I would like is my payments to be lowered to somehwere more affordable so I do not have to struggle to pay them every month and I do n't keep getting hammered with late fees. I feel like Navient lies to its borrowers just to collect late fees and raise interest rates and use naive students as profit centers. I thank you for taking the time to read this and I look forward to a response.
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX old tax liens that were paid/satisfied/released. 
XXXX from XX/XX/XXXX for {$800.00} and XXXX from XX/XX/XXXX for {$930.00}. These showed up on my credit reports XXXX. I filed a dispute with all XXXX credit reporting agencies. 
XXXX removed XXXX them immediately. 
Transunion removed the XXXX from XX/XX/XXXX, but not the XXXX from XX/XX/XXXX. 
XXXX did not remove XXXX. 
I would like XXXX and XXXX to remove these outdated derogatory reports. Thanks in advance for any assistance you can provide.
Consumer complaint received 2016-03-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (FL)

WELLS FARGO ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify WELLS FARGO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WELLS FARGO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2015-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Greetings ; Portfolio Recovery is indicating every month on my credit report that they have an open collections account with them for a debt that I disputed more than XXXX years ago. They are not actively collecting ( and have n't for years ), yet they are ruining my credit report. How long can they continue to report an " open collection '' against me? This debt has passed the SOL for collection, even IF they could validate it, which they can not. Thanks for your help!
Consumer complaint received 2015-11-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I deposited a check at Bank of America on XXXX/XXXX/15 after XXXX XXXX, but I did not realize the check was dated XXXX/XXXX/15. The bank bounced the check on XXXX/XXXX/15, I think the money was available on XX/XX/XXXX but they decided to reject it. I deposited a check for {$1100.00} on XX/XX/2015 and was informed there was a hold in place for {$900.00} until XXXX pm XXXX/XXXX/15 and that I was told by XXXX of bank America that {$200.00} would be available by XXXX Saturday XXXX/XXXX/15, ( see attached account history for XX/XX/XXXX ) sometime Saturday the entire amount was put on hold and the check is now on permanent hold, ( see attached bank statement ) I am not sure when it will be available, when I asked XXXX of bank America why, he said it was in the risk dept, and to call Monday, I feel Bank of America is trying to generate fees and lying to me when I try to address my account problems, I have no funds in my account, and feel I am being treated in a arbitrary and capricious manner.
Consumer complaint received 2016-06-16
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This organization claims that they do not have written authorization to cease communications other than in writing. I will again send this information to them however, the representative said that she will continue to call until I provide banking information which will allow them to automatically withdraw funds from my account each month. I will mail the agreed payments to them however, she stated that is not good enough and she will continue to call because they do n't consider it an arrangement or agreement unless they can automatically withdraw payments from my account.
Consumer complaint received 2015-08-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I lost my job at the end of XXXX and fell behind on my mortgage in XXXX. I applied with the XXXX Home Saver program ( Hardest Hit Fund ), Bank of America did not offer this to me nor any other solutions to the issue I was facing. After completing my application with XXXX XXXX XXXX. I waited for BOA to approve the program. However, Bank of America did not, they had an error that was made on loan documents that were signed in XXXX and told me they would not give the approval to enter the Home Saver program until I signed a new Modification of Deed of Trust, they mailed the MOD to me and it was back dated before the date I signed the original modification. They offered me {$500.00} to sign the document and said they would not stop the foreclosure process or even review my file for Hardest hit or any program until I signed it. So I signed it and returned, I do not feel comfortable with the practice of mailing me a deed that is dated from XXXX with the dates changed and another section added to the deed. I feel they should have done a Correction deed and not backdated one. Also they went ahead an proceeded with the foreclosure process and had already started advertising my home and the sale date. As of last night XXXX XXXX XXXX had called BOA and they said they would stop the sale which is supposed to occur today at XXXX, until they review my file for a foreclosure prevention option. There is some funny business going on with my loan, they also have billing statements going back 2 years where they placed payments in a suspense account and did not apply to the loan for months in some cases. Please do a full review of my loan file.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CT)

My loan is now more than it was when I first went to school more than 10 years ago. Navient charged me outrageous amounts of interest when I could not afford to make the very high payments. If I could have paid more of the principal and not interest I would n't have such a high loan amount.
Consumer complaint received 2016-06-10
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

This complaint is about 2 issues : 1. The DUPLICATION of this debt on my Credit Report by 2 companies, the original company XXXX ( XXXX also called XXXX XXXX ) and the company they sold/transferred it to Portfolio Recovery Associates. BOTH OF THESE COMPANIES ARE LISTING THIS SAME DEBT ON MY CREDIT REPORT! They even share almost the same account number : The XXXX account number for this debt is : XXXX While Portfolio Recovery Associates list this debt as XXXX See any similarities? 
XXXX List this as a closed debt while Portfolio list it as an active account. 
2. This account was closed by XXXX after they mistakenly thought I had not made a payment in XXXX of 2009. When they called to tell me I had missed the payment I gave them the confirmation number of the payment I had made on time and a few hours later told them I had checked with my bank and indeed the payment had gone through the bank. Nevertheless they wanted me to make another payment that included a large penalty, which I refused to make. XXXX subsequently closed the account even though up till this time I had a perfect record of payments. I had never had a problem paying the original amount but the total since this time has always reflected the original amount plus penalties. Even though I have complained about this duplication before both of these companies have published this DUPLICATION ON MY CREDIT REPORT FOR 6 1/2 YEARS!
Consumer complaint received 2016-06-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (FL)

I have asked Central Financial Control to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Data Corporation (TX)

I filed a report on    XXXX    to the FTC after received first letter from TRS Recovery Service s , Inc.  and had called the number provided on the letter. My FTC Ref # was  XXXX . I have received no follow up from FTC, and was s ent another letter from TRS Recovery Services , Inc. on  XX/XX/XXXX .   I k now this claim that I wrote a check to "  XXXX  No.  XXXX  '' is false. They are demanding I pay  XXXX  and try to direct to a website, www.firstdata.com/trs to provide personal information in order to dispute or have them draft funds from my account. I did not provided personal information or go to their website.     Today I received a phone call that is a scam claiming to be from the  US Federal Grants Dept.      i have verified my number is on the  Do  Not Call  Registry sinc e  XXXX , and I am a member of  XXXX  since  XXXX . Why do I keep getting these misleading and threatening communications?     Please advise.
Consumer complaint received 2015-09-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

In XX/XX/2012, someone hacked into my email account and found emails between me and my lawyer in which I had given him my banking details. This person also got into my lawyer 's account and found information regarding another of his clients. This person then used the other client 's details and forged a check for {$8000.00} in her name which he then sent to my Bank of American account for deposit. The bank discovered that the check did not have enough funds to cover this amount and they returned it, causing both me and the owner of the account to get NSF fees charged against our accounts. I was unaware of any of this until Bank of America notified me. They then closed my account and told me that I could not ever again have an account with them. They sent reports to both XXXX and XXXX XXXX saying that I had made an attempt to " transact ( or attempt to transact ) with an account in an unauthorized or prohibited manner. '' This was incorrect. I did absolutely nothing wrong. I told Bank of America what had happened, which my lawyer explained to me after I told him about it and he had heard as well from his other client. They refused to reconsider their decision. This has made it impossible for me to get an account with any bank anywhere. I tried to open an account with XXXX XXXX XXXX XXXX, in which I am a member of long-standing, but was denied because they told me that I had caused a loss at another financial organization. Bank of America never said anything about any loss and there was none. I have attempted to open accounts at several other banks but have been refused there as well. All of this has ruined my financial credit. I did absolutely nothing wrong and am being punished for something that some internet hacker did to me. I need to get an account with a bank because all that I have now is a reloadable debit card with XXXX XXXX XXXX and this is not adequate for all of my needs. I have a lot of documents explaining everything that happened, but I can not attach them to this complaint and will have to send them to you separately.
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans Union says even tho bills are paid and court has dismissed the bankruptcy/chp.XXXX. Trans Union has to report the Bankruptcy for the next seven years. Which keeps me from borrowing money or opening new accts. This is false information and against my civil rights. 
I dropped the chp.XXXX and opted to pay off bills instead of continuing the bankruptcy, but Trans Union says it must state that I am still in Bankruptcy. Help Me!
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had XXXX rental properties trying to save them I filed a XX/XX/XXXXbkpt & XX/XX/XXXXbkpt to try to save my houses. I did not go through with either one of them I paid {$150.00} for each bkpt the house XX/XX/XXXX I lost the house & it went into foreclosure the attorney never showed up in court he took my money & run. I GOT HIM DISBARED. XX/XX/XXXX the house that has been going on for about 6 years I decided to claim bkpt again to try do a loan modification keep the house. I under stand that when you claim bkpt & you go thru with the program it goes on your credit report & I agree with that. But if you do not go through with it & it is dismissed I think it is a little bit of discrimination when you do not go through with it. That is my opinion.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion, care of said XXXX XXXX at XXXX, now claims that the letter addressed from XXXX to me is " unacceptable '' to substantiate deletion of the purported delinquent record on my credit report claiming that I still owe XXXX XXXX {$780.00}. Evidently, the FCBA is a bunch of hogwash, and Federal legislation is a joke, because the credit bureau does n't think it 's binding. They clearly believe that they can 1 ) completely ignore the billing dispute of a consumer 2 ) promise XXXX service at XXXX rate and overcharge them for services at will 3 ) fail to even acknowledge the consumer 's billing dispute 4 ) and then report delinquency to their credit report
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX i disputed XXXX collection account and XXXX inquiries on my Transunion credit report on XXXX/XXXX/2016 i received a letter from Transunion dated XXXX/XXXX/2016 stating the investigation was complete and the collection account was verified but nothing was said about the inquires. I sent a follow up dispute on XXXX/XXXX/2016 stating I did not believe they investigated my dispute and my dispute must be investigated properly and completed within the original time frame. On XXXX/XXXX/2016 I received a letter from the collection agency dated XXXX/XXXX/2016 stating that they could not verify my account right now and they need more time to do so. Transunion violated my rights and falsely verified a collection account and completely ignored the inquiries i disputed with them.