davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-01
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (MA)

My father ( deceased ) had a reverse mortgage on my childhood home. After he died the mortgage company ( Financial Freedom ) said that I, as legal heir, would be allowed to purchase my father 's home for 95 % of its fair market value. They sent an appraiser who took a photo of the front and rear of the house and added a {$450.00} appraisal fee to my father 's account with Financial Freedom. The appraiser never even came inside ( my family and I were living in the home at the time of appraisal and were in fact living with my father before he died ). The appraisal came in at $ XXXX. The $ XXXX was very near the assessed value posted by the board of assessors. I suspect that some percentage of the assessed value was used in lieu of a real inspection and appraisal. This phony appraisal meant {$120000.00} to me using the 95 % figure. I told Financial Freedom that the property was not worth {$120000.00}. This was confirmed by a real estate agent, and friend, who lived next door. I told Financial Freedom that I wanted to get my own appraisal and they said only their appraiser could be used. In XXXX 2015, my father 's property was sold for $ XXXX to a total stranger. I feel completely cheated by this dishonest appraiser, Financial Freedom and XXXX XXXX ( the buyer at auction ). My real estate neighbor predicted that they would be very lucky to get $ XXXX for the house. How right she was. My husband is a veteran and has access to a VA Loan. We would have gladly purchased my father 's property for the $ XXXX ( real fair market value ) but were never even notified that they would sell it for $ XXXX less than they originally told us. Completely unfair and immoral and criminal in my opinion.
Consumer complaint received 2017-04-05
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: Park View Credit (MI)

i was tolled i would have a credit score of XXXX at the end of six months.by the Customer Support Specialist worked on my case. which she no longer works their.. in fact they lowered my score ... nothing changed. they keep disputing things that i was paying on like my car payment, my credit card, etc. they company is parkview credit.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX  XXXX -BALANCE {$5900.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$19000.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -BALANCE {$59000.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX -BALANCE {$340.00} DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (TX)

I mailed a letter XXXX requesting debt validation to LVNV on XXXX/XXXX/16. In that letter, I invoked my rights under the Texas Finance Code 392.202. They have failed to provide proper validation, Texas law requires that they delete their reporting, and cease all collection activities until FULL VALIDATION UNDER TEXAS LAW IS PROVIDED. 
Sec392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by the agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101. 

LVNV is also deliberately treating a debt validation under Texas Financial Code as if it were a dispute under FCRA. I believe this to be an abusive application of the FCRA dispute process, as placing dispute comments derails credit applications. This seems to be a common tactic lately, and their intent is to discourage consumers from seeking their rights to debt validation under FDCPA and state statutes. In my letter, it states I am requesting validation. They are broadly interpreting the term dispute. If LVNV DID actually consider the letter to have been a reportable dispute, then they must treat it as a direct dispute and investigate it as such, conclude that investigation within 39 days, and send a NOTICE OF RESULTS to the consumer. They thus did not treat it as a direct dispute, undermining their statement that it was a dispute.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NC)

I am filling this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2015-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I made the first payment on my new refi loan online, single payment, as I have always done with the Lender - BOA ( Bank of America ) - The original mortgage ( XXXX ) was with Countrywide which ultimately was converted to BOA. I made the online payment XXXX XXXX, XXXX. Then BOA said something about needing to make test deposits and withdrawals from my bank account to validate the routing and account numbers. These transactions proceeded normally. Without further concern I assumed the payment was made. Then on XXXX XXXX, XXXX when I reconciled my account ( statement attached for reference ) with the bank source of funds I use for paying my mortgage I noticed that the payment had not been drawn. I immediately called BOA and was put through the touch tone misery and spoke to three representatives before I finally was convinced no one had any idea of how those test transactions had occurred let alone actually caring about anything other than my payment had not been made - I made it with a {$5.00} penalty and a {$20.00} fee for the telephone transaction. I am upset that now this will have an impact on my credit rating which has been pretty good up to now since I separated from my wife in XXXX. Nevertheless, even more important than that, I am concerned that BOA uses tactics such as this to deny any knowledge of a transaction, despite it being their website that accepted it and their engines that made the test transactions. Further, it is the same pathway I used to make payments on my new BOA credit card - that did not require test transactions and went smoothly. I also used this account to pay my mortgage with BOA which was refinanced so they had my banking information all along. I submit that they use this as a method to raise their income. I point out that it does an effective job at degrading customer satisfaction- good faith and trust. I will never recommend BOA to anyone except as an example of a heavy handed institution that uses deceptive practices.
Consumer complaint received 2023-07-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OR)

I have had a mortgage with Wells Fargo for several years. Every month I pay more than the minimum amount. It always applied the additional payment to principal until this Spring. It then started applying the extra amount to later payments, collecting interest in advance and not applying the additional amount to principal. I have written letters, and now with each payment I tell them in writing to apply the extra payment to principal. They finally corrected their errors last month after several phone calls and letters. This month they did it again, even though I included a letter expressing telling them to apply the extra payment to principal. It is clear to me that several months ago it changed its software to misapply extra principal payments so as to collect more interest and so as to reduce principal more slowly than they should. I have had numerous conversations and written communications. They have even written me and said they have not done anything wrong. See the attached letter. It is obvious that this letter makes no sense. It admits being told how to apply the funds, and that they refused to apply the funds to principal. 
I am very familiar, of course, with the fact that Wells Fargo has been caught cheating with regard to opening accounts. This is just another unethical practice. Since it was a change this Spring, and since I now include a letter with each payment telling them exactly what to do and since they refuse to do it unless I spend a lot of time on the phone with them, I am confident that they are extracting small amounts from millions of people. I am also confident that this type of change in the software had to be approved at the very top. XXXX XXXX has to have approved this behavior. It is one type of intentional misconduct after another with this bank, and I have a large position in its stock.
Consumer complaint received 2015-10-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

RE : XXXX ; WELLS FARGO NEVER requested to its Loss Prevention to have accounts ending in checking : XXXX and Savings ending : XXXX reopened or request to have the " Hard Hold '' removed based on the supporting documents received in Loss Prevention on XXXX/XXXX/XXXX supporting the deletion of the inaccurate and incomplete information by its Affiliate XXXX. The request, was made by WELLS FARGO, was ONLY to close the accounts to cover-up its Discriminatory Practices and VIOLATIONS of ECOA As Amended for protected traits ; race ( XXXX ) ; sex ( male ) ; age ( XXXX ). I have been singled out by WELLS FARGO and retaliated against, treated unfairly in an attempt to " get rid of my accounts '' for filing this COMPLAINT with the CFPB.
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo mortgage is reporting a negative remarks on the mortgage account that was never defaulted, never included in chapter XXXX bk. Property was sold and loan was paid off. 
Numerous attempts and requests sent to wells fargo mortgage were ingored. All XXXX CRAs are reporting this closed mortgage account with remarks : WELLS FARGO HOME XXXX # XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Opened : XXXX : Individual AccountAccount Type : Mortgage AccountLoan Type : CONVENTIONAL REAL ESTATE MTGBalance : $ XXXX Updated : XXXX Payment Made : XXXX Balance : $ XXXX Status : XXXX ; Account Included in Bankruptcy & lt ; Date Closed : XXXX : XXXX ; CHAPTER XXXX BANKRUPTCY XXXX ; ; DISP INVG COMP-CONSUM DISAGRS ; CLOSEDEstimated month and year that this item will be removed : XXXX
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-05
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (MS)

After reviewing all of my student loans online I realized that I never opened a private student loan with Sallie Mae. All of my student loans are federal and have been consolidated. I only have private student loans with another bank and my dad was the cosigner but never through Sallie Mae. I arranged payments for this account but after reviewing everything this is not my account. I feel I do not owe this bank because I never took out a private loan from them only federal. No payments have been made by me because I dispute the account but the collection agency continues to charge my bank account. I am going to file a complaint with my bank if the payment does not stop. I got confused because I have so many student loans but with Sallie Mae I researched that all of the loans I applied for should be federal never private and are all consolidated at this time.
Consumer complaint received 2017-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (FL)

CitiMortgage gave me a modification, then almost simultaneously transferred my mortgage to XXXX for processing - but for the wrong amount - $ XXXX higher than the modification. No one would correct the issue even though they could see the modification. XXXX finally sold back my mortgage to Citi, again for the wrong amount they received it from Citi. But now Citi looked at it as a NEW deal from XXXX - and has been impossible to get matter corrected. I hired an attorney and began paying based on the modified amount. Eventually, Citi said I had a deficiency and was in default. Only after they initiated litigation was I able to clear up the matter with attorneys ( theirs and mine ). Final outcome - Citi settled out of court $ XXXX in my favor. BUT KEPT THE INFO AT THE CREDIT BUREAUS TO SHOW AS IF THERE WAS A FORECLOSURE.
Consumer complaint received 2016-04-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NC)

CitiMortgage is sending harassing debt collection notices for a loan that was closed in 2013. In 2013 CitiMortgage agreed to a deed in lieu settlement for a loan. The agreement was finalized, agreed by both CitiMortgage 's attorneys and our attorney, and recorded in the Register of Deeds in XXXX County, NC ( where the property is located ). This closing documentation was signed by appropriate representatives from CitiMortgage. The deed in lieu contained wording that no further fees would be sought for collection upon closure. CitiMortgage then placed the property for sale. We believe CitiMortgage is pursuing us for debt/penalties incurred by them from XXXX, due to an error or oversight on their behalf that was brought to their attention by XXXX. We do not believe we should be responsible for this debt as all documentation and title were appropriate and clear at time of closure in 2013.
Consumer complaint received 2016-08-14
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (NJ)

My XXXX XXXX credit card was originally with Capital one and then sold to XXXX. My credit card was never late. I always paid on time. They are reporting it late on XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the on XXXX late on XX/XX/XXXX and late on XXXX XX/XX/XXXX. I tried to settle this with them and the credit agency 's but nothing has been corrected.
Consumer complaint received 2015-06-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (VA)

Company has been pursuing me since 2008 for a debt they can not prove is mine in any way. They continue, year after year, trying to file fraudulent court documents with differing amounts to try to get me to pay. I have responded in kind, asking that any proof I owe this debt be sent to me and the court in writing. They have failed to do so. 
At this point, I consider it harassment and they are wasting my and the court 's time. They say the debt on or before 2008. Per Ohio statues, even if the debt was mine, it has been over seven years, and is now out of statutes. 
I would like to file a formal complaint and suggest that I am not the only XXXX they are doing this to, it is a clear violation of the FCRA.
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HOVG, LLC (CA)

BAY AREA CREDIT SERVICES VIOLATED MY FCRA RIGHTS. They INACCURATELY reported to XXXX XXXX on XXXX XXXX, 2015 on an old COLLECTION account. Bay Area Credit Services reported to XXXX XXXX as a New Account. This is highly illegal for any company to report as a New Account. This account was generated originally over 5 years ago and was part of a Chapter XXXX Bankruptcy. Not only did they violate FCRA rights they also NEVER advised me of any reporting. Clear VIOLATION OF MY FCRA RIGHTS.
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (CA)

recently i talk to best buy credit card about the interest charge.almost XXXX dollars where from they say first i have a late charge i said i talk to your customer respentive they say will take care for me i say i pay full amount for last XXXX statment why i have interest charge they said because the billing cycle i say every credit card i pay only pay for stament amount not worry about your billing cycle i ask them to to take care they refuse to take care you need to pay for billing cycle interest i feel that they are not honest to customer they are cheating.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

CitiBank Advantage card abruptly cancelled my card stating that I had " unusual payment '' history. When they refused to explain what that meant, I escalated to the office of President and CEO ... eventually finding out that is was because I paid my bill in cash. I was an " A '' rated customer ALWAYS paid on time. I offered to provide bank statements as to where the cash came from ( withdrawal from my checking account ) of XXXX some years ... and they flat out refused. They have tagged me as a person who can not have a CitiCard in the future. I maintain large balances at CitiBank, I have been approved by the XXXX ( in order to get a XXXX ) ... have an excellent XXXX own a home, lease a car..etc and ... I explained that I felt like a dolphin who got caught in a tuna net ... and would they please re examine, that I would provide any and all supporting documents or statements they would like..and it was a flat out " NO '' ( only real reason I cared ... .because I earned XXXX XXXX XXXX ) but it was wrong all together. 
To add insult to injury, in the midst of the dispute, as I awaited a response, I was late in that XXXX payment ( waiting to see how they wanted me to handle the balance since card was cancelled ). Although I paid balance in full ( $ XXXX dollars ) they reported that as a late payment to the credit bureaus and have refused, even as a one time courtesy ( an only time ) to remove it. 
I reapplied for the card a year later ( only for the XXXX milage ) and was refused. I have XXXX gold and platinum, so I do n't think I 'm much of a credit risk ... .after many phone calls with them ... it turns out that they have marked me much like someone on a " no fly '' list. 
It comes to mind every time XXXX as they advertise HEAVILY for Citi Advantage card ... .and I fly a lot.
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

Hello, I am a victim of identity theft since XXXX 2015 and I have filed a police report for that submitting all evidences to the authorities. I have called in all my creditors and service providers including Macy 's department stores credit card to complain about fraud purchases on my account. No progress what so ever happened internally and yesterday I have received a notice from my credit monitoring service that my credit score went down XXXX points in one shot! Checking my report to see the cause, I found it is Macys credit card who submitted late payment on my account and allowed fraud purchases on my account to increase up to {$3900.00} out of the {$4000.00} credit line. 

I have called in Macy 's credit card more than 15 times and spend at least 50 hours on the phone with them trying to resolve my issue but in vain! 

I have a copy from my credit report agency and I am looking for CFPB to help my fixing the negative data on my credit score and close the Macys account forever Macys policy allows anyone to buy items on any persons account with no validation and without the need to have the card in hand! 

I am looking forward to your support Thank you, XXXX XXXX XXXX