davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

First : XXXX XXXX is reporting negative information while being on a Covid Relief Plan which I was told would not affect my credit report. They are reporting late pmts because when XXXX XXXX merged, they left my name off the mortgage acct and I had to get an attorney to make them accept questions & phone calls from me because my spouse died. 

Second : XXXX could not provide service that worked at my house, so I cancelled it. They are showing a charge for equipment & a contract cancellation. It was their fault it their service would not work at my house. I have signed receipts from a customer service rep at XXXX showing I returned ALL of their equipment. 

Third : XXXX is showing an amount due for breaking a contract, but they will not provide me with a copy of the contract. I was told numerous times when I bought their service that there was NO contract. I sold my house & had to disconnect it. 

Fourth : I had perfect credit on this account until the XXXX did not apply my credits to my credit card, so after fighting with them and refusing to pay and closing my account, they kept adding interest for several months before closing it. 

Fifth : XXXX XXXX, I had a {$68.00} balance, and returned an online order for {$75.00} which they did not credit to my account. Fought with their customer service to no avail, closed account.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2016-01-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America recently held a check of mine for approximately two weeks without any warnings. They did this another time for around 5 days, also with no warning. This caused me all kinds of aggravation and fees from them as well as vendors that I made payments to. This has made me problems in personal as well as business accounts. They also repeatedly put my checks through twice even though I never asked for it and they charge me XXXX fees per check. I discussed this several times with personal bankers and got nowhere. I have now told them that I am done banking with them and have taken my business elsewhere. I asked them to close my accounts and send me a bill. Instead they keep my accounts open and keep racking up more bogus fees. Now for some reason they have a recording calling my PARENTS house several times a day. I do n't think I ever gave them that number and I need them to cease and desist. They should also remove all these fees from my accounts but at a minimum stop the harassment.
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (PA)

I began the process of refinancing with Wells Fargo in XXXX. It is now near the end of XXXX and they are requesting that I pay {$1000.00} to extend my locked in rate. They have already required me to extended it at least twice and the fees continue to add up. I have been extremely responsive when they have requested documentation ( normally turning around documents in less than 24 hours ). There have been multiple delays in the processing and they point the blame on others and take no credit for their ineffective process. On the occassions where I was able to speak with someone, I was told that it was company policy and they would not cover the fees to extend the rate. I should mention that I currently have my loan with them and I am looking to keep it with them. 

There seems to be little interest in keeping me as a customer. Their customer service has been poor at best. I am now faced with paying {$1000.00} or discontinuing the process and throwing away the money I 've spent on getting my home appraised.
Consumer complaint received 2016-05-04
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am XXXX and I have a bunch of bank accounts and credit cards. I tend to watch things using wave accounting which generates reports covering everything making my life easier. Today I received the following report : XX/XX/2016 LATE FEE FOR PAYMENT DUE XXXX $ Uncategorized Expense MBNA Card I hope to prevent this in the future as I have put an " event ' in my smartphone calendar to remind me to pay it on the XXXX of each month. But I sincerely wish that Bank of America would notify me by email a day BEFORE they access the penalty, rather than using a big " net '' to rake in money from thousands of card holders who may make the same error I did. This is not fleecing XXXX, but I am sure they make lots of money this way and I believe that as a courtesy they should automatically send me an email a day in advance so that I may remember to pay it, rather than hitting me over the head with a hammer with a {$37.00} charge. I am a good bank of america customer, but I am afraid that there is some XXXX somewhere in the Bank of America corporation who gleefully manages the collection of these charges.
Consumer complaint received 2016-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

I have disputed XXXX with Experian that I do no have a balance owed on XXXX XXXX XXXX, acct XXXX .... I submitted documentation to Experian that I have sent certified mail via USPS to address on file with Experian and creditor, XXXX XXXX REFUSED deliver usps tracking number XXXX. I then asked Experian to delete item from my credit report as unverifiable, but Experian has once replied This account is scheduled to continue on record until XX/XX/XXXX. This item was updated from our processing of your dispute in XXXX XXXX. I do not owe this creditor. The creditor is unwilling to verify any balances with me nor accept any correspondence from me attempting to do so. I also supplies Experian with a letter from my attorney demanding that XXXX XXXX remove all negative reporting until we are able to verify account. Experian blatantly ignored my request. I asked that Experian provide me with how they are obtaining this verification from creditor and that too has been denied. This creditor updates my information randomly with inaccurate information effecting my daily credit scores.
Consumer complaint received 2016-03-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Our daughter died six years ago and the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney XXXX that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with XXXX attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney XXXX to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX of 2015 for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX XXXX XXXX retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MI)

I, as many people my age, was told I needed a degree to get a descent paying job. I was n't able to afford to pay for college outright so I was forced to take out student loans with the promise that I would earn enough money after graduation to make payments in them, and make a living. I now work just to make payments on my student loans. The XXXX loans ( with XXXX different servicers ) have more than doubled in amount due since graduation. I, also like many people my age, was unable to find a job that covered my minimum monthly payment ... much less a job that was even in the degree I studied for. This forced me into " income based repayment '' programs that barely ( if at all ) even touch my principle balance. I make payments every month and my loan amounts keep rising. Recently, with Navient, my " program '' lapsed, and they stopped withdrawing the monthly amount. I tried more than several times to call them only to be left on hold for over an hour, disconnected on, or just endlessly transferred to people who could n't properly explain the different loans, and the money I owed. When I finally got through to someone who said they could help me ( now 3 months past due ) I was told I re-qualified for the " Income based repayment '' but when I tried to set up the payment was told I had to also set up payments for the past due amount. With my bills continually rising, and my hours at work being cut, this was n't an option. If I could give my degree back in order to put of this the DROWNING amount of debt I would! I work hard, and want to pay my bills on time, but now that I owe more than double what I borrowed it has become impossible. I get around 7-8 pre- recorded phone calls from Navient every day, and this is a huge point of stress that I deal with EVERY day.
Consumer complaint received 2016-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has allowed reinsertion of the same collection account multiple times. TransUnion has neglected to follow safeguards to protect my credit file and has never notified me of reinsertion as required by law. XXXX XXXX XXXX has reinserted a fraudulent collection 3 times and each time they report using a different account number and different dates of first delinquency in an attempt to manipulate the credit reporting system. XXXX recently reinserted the same {$57.00} bogus collection on TransUnion under the account # XXXX. 
This same collection was previously reported and deleted under account numbers shown on the documents attached to my complaint. 
TransUnion has knowledge that this collection agency has acted with disregard to the FCRA concerning the reporting of false information on my reports yet TransUnion has done nothing to prevent this abuse from continuing to occur. I have attached evidence directly from TransUnion showing that XXXX XXXX XXXX was previously deleted as well as a most recent SIGNED certified receipt that I sent to XXXX demanding that they follow the law and discontinue their deceptive behavior. This same fraudulent collection has been reported using other collection agency names including XXXX, XXXX and XXXX over the past several years. I am requesting immediate deletion of this fraudulent account from my TransUnion credit reports. I have also requested assistance from the Texas Attorney General 's office due to multiple violations of the Texas Finance Code. This is a fraudulent collection account and must be deleted from my file.
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

My loan with Bank of America has reached 78 % of LTV ( my equity is 22 % ). They are refusing to Automatically cancel my PMI. According to HUD documentation ( XXXX ), " The law provides XXXX situations in which borrower paid PMI may be cancel - it can be automatic or by request. Lender-paid PMI is excluded from these mandates, but requires an up front disclosure to the borrower about lender-paid PMI. 
The XXXX cancellation situations are : Automatic. In general, when the homeowner 's equity position reaches 22 percent of the original value of the property, the mortgage servicer must automatically cancel the PMI. The borrower must be current in making payments for automatic cancellation to apply. " According to CFPB documentation ( XXXX ) " Automatic PMI termination Even if you do n't ask your lender to cancel PMI, your lender still must terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. You also need to be current on your payments on the anticipated cancellation date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date. 

It 's worth noting a termination request is different than a cancellation request. Your lender must terminate PMI even if the principal balance of your loan has not actually reached 78 percent of the original value of your home - for example, because the value of your home declined. '' I have never been late on a payment, and have always paid extra principle. My loan is over 5 years old. 
The lender is basing their denial on the " scheduled '' date when I reach 78 %, which would not have been until XX/XX/2017, but since I always pay extra principle, that date has arrived sooner.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have no idea what constitutes a " final response '' from Trans Union. Please change your form so that this unreliable question is not a forced-choice requirement on your complaint forms. I need to get a copy of my TU report to XXXX XXXX XXXX XXXX which requires it to join. I have a security freeze on my report to minimize the amount of false junk that TU puts in my file. Today when I called it to temporarily release the freeze, it refused to do so. It also took a very long time, transferred me around and forced me to repeat the same information twice to XXXX different people. Along the way, I could not remember some number TU assigned to my account some time ago when I placed the freeze on my file. TU then wanted me to answer " security questions '', including where I use to work. I do not want to provide information to TU since it is a hostile party to me and is built on a business model that is hostile to my best interests. I do not want to confirm or deny that I use to work at any particular place, since I have seen it use this as a way to confirm its own records. I have nothing to gain but usually something to lose confirming information to TU it may not have obtained or have valid confirmation for. I asked the TU representation to ask me another, alternative question and he refused to do so. So, as is the usual drill with these obnoxious corporations that traffic in your personal information, then try to get you to confirm the garbage they collect and invent for you and then try to sell, I can not get them to release a report to XXXX XXXX XXXX XXXX. 

Please require Trans Union to release my credit report to XXXX XXXX XXXX XXXX only and then immediately reinstitute the freeze on my account. In particular, I do not want TU selling personal information about me to any third party whatsoever besides XXXX XXXX.
Consumer complaint received 2015-08-17
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I applied for a re-fi loan on my home with Navy Fed. Union the loan application took over 8 months with multiple problems and issues. I am a XXXX service XXXX and within the last 3 yrs XXXX these people told me in the beginning that I did n't have a VA loan I submitted XXXX mortgage applications I finally signed the papers to finish the loan process but I was unhappy with the new higher interest rate. I believe all paperwork for this loan over the last 8 months should be reviewed by the Bureau as the whole process has been very stressful for me and they have not resolve any of my complaints.
Consumer complaint received 2015-07-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

Servicing rights to our account were transferred to Bayview Loan Servicing effective XXXX/XXXX/15. The first mortgage statement we received from them was dated XXXX/XXXX/15. The account balances quoted on Bayview 's statement did not agree with our own records. Our records are built on a document called " Simplified Transaction History '' sent to us by the president of a prior servicer. He assured us that this " Simplified Transaction History '' was an accurate representation of our account as of a given date. We based our records on this Simplified Transaction History and recorded all of the account activity since that specified date, thereby developing an up to date record of our account. Upon receipt of the mortgage statement from Bayview, we submitted a " Qualified Written Request '' disputing the balances shown on their statement dated XXXX/XXXX/15. Enclosed with our QWR we submitted ( a ) a copy of the Simplified Transaction History sent to us by the prior servicer ; ( b ) a copy of the letter from the president of the prior servicer stating that the Simplified Transaction History was an accurate representation of our account on a specific date ; ( c ) a copy of spreadsheets distributiing the entries in the Simplified Transaction History to each entries component parts ; and ( d ) a copy of a spreadsheet recording all of the activity on the account after the specified date. Bayview 's response to our QWR was dated XXXX/XXXX/15. Their response did address the Simplified Transaction History. Their response did not address the letter from the president of the prior servicer. Their response mentioned our spreadsheets only to say that the resulting balances did not agree with their own record. They did not identify any errors whatsoever in our records. With respect to their own records, they did not provide and documentation showing how the balances in their statement was developed. We have written them several QWR 's and letters but they refuse to address our disputes in a meaningful manner. 
Bayview 's correspondence states " Bayview Loan Servicing , LLC is a debt collector ''. Since Bayview has not ceased collection of the debt, we consider them to be in violation of the Fair Debt Collection Practices Act. Since Bayview has not corrected their records or provided an explanation of the discrerpancy between their records and our records which are built on documents sent to us by a prior servicer, we consider them in violation of RESPA. Such disregard of the statutes governing their activities can not be allowed.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I was shocked to see unauthorized inquiries on my credit report earlier today, and I cant figure out the reason. I routinely check my report, but this time something was clearly wrong. After refreshing my browser multiple times to ensure it wasnt a system glitch, the problem persisted. Im really frustrated by this and urgently request that the documents Ive submitted be carefully examined to resolve the issue once and for all.
Consumer complaint received 2016-07-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I WAS CHARGED A MAINTENANCE FEE ERRONEOUSLY. I HAVE DIRECT DEPOSIT EACH MONTH AND FUNDS PUT IN XXXX ACCOUNT. THE BANK TOLD ME TODAY THAT I NEED TO HAVE THE DIRECT DEPOSIT PUT INTO BOTH ACCOUNTS. I ONLY HAVE XXXX ACCOUNT WHEN I OPENED IT YEARS AGO AND NOW THEY CLAIM I HAVE XXXX AND HAVE TO HAVE DIRECT DEPOSIT PUT INTO XXXX ACCOUNTS TO AVOID A MAINTENANCE FEE.
Consumer complaint received 2015-12-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC (TX)

I have received several letters and phone calls in the past, but they were never able to verify the debt belonged to me. I recently pulled up a copy of my credit report and it still remains on my report. If there is no verification and the information that they asked in the past does n't match, then this line item from my credit report needs to be removed promptly Phoenix Financial Services LLC
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was looking over my report and I noticed several inaccuracies pertaining to this account. This account is hurting my ability to obtain credit. Its my understanding that the credit reporting agency will investigate this account for me to ensure accuracy. I would like for you to note that all accounts that are references are EXACTLY as it appears on my credit report that your company has reported. 
Please correct or delete this accounts immediately. 

Company Name Account # XXXX XXXX XXXX
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX, 2016 I received notification from XXXX that XXXX accounts were being deleted from my credit report : XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX These XXXX were deleted from XXXX but they have yet to be deleted from my Transunion and XXXX credit reports. They need to be deleted from those XXXX Credit Reporting Agencies. I have contacted both of them and they both, very rudely have told me that they do n't have notification to delete and if/when they do it can take up to 90 days.