davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America had court proceedings in reguards to obtaining ownership of my home without infirming me claiming thet did not have no clue where I was located .Which is not true because along with this complaint I will fax to you documentation showing they knew exactly where I was and could have informed and sent paper work to the right address so I could of been at them court proceedings. Ihave reason to believe Bank of A MERICA SUBMITTED FALSE GOOD FAITH AFFIDAVITS in order to steer the courts into believing that they could not inform me .Which in turn took away my rights to obtain back ownership of my house and any other possibilities in this matter.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX  {$11000.00} XXXX  XXXX XXXX $ XXXX {$3400.00} XXXX  XXXX  XXXX  {$2800.00} I have no knowledge of these Accounts.they are reporting incorrect information on my credit consumer report.
Consumer complaint received 2016-09-26
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC (CA)

I am getting a loan from Green Sky, XXXX, GA. They are charging me {$1700.00} on {$5000.00} so the total payment is {$6700.00} I thought 35 % interest was illegal. I have tired to contact Green Sky and there is no respond. Also our FICA score XXXX so that rate seems a little wrong.
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I have a credit card with Bank of America that i have been trying to pay off for years. I have XXXX tiers of balances:1 ) Purcahse@7.24 % interest2 ) Direct Deposit and Check Cash advances@14.99 % interest3 ) Bank Cash Advances@19.24 % interest. 
I made the minimum payment of {$170.00} for XXXX 2015 that was due in XXXX 2015 on XXXX XXXX, 2015. I also made an additional payment of {$1100.00} to clear up my Bank Cash advances balance of {$1100.00} that had the highest interest rate of 19.24 %. The total payment made on XXXX/XXXX/2015 was for {$1300.00}. 

When I received my XXXX statement after making the minimum payment of {$170.00} as well as the additional {$1300.00}, which should have cleared up my " Cash Advance '' balance, the statement reflected a balance of {$320.00} under the Cash Advance tier. 

In addition, the second highest interest rate tier balance, Direct Deposit and Check Cash advances, went from " balance subject to interest rate '' of {$1500.00} in XXXX 2015 to {$1600.00} in XXXX 2015. How can my balance grow if I made the minimum payment AND paid an additional amount. This brings into question all of my past billing statements with Bank of America that I have not reviewed as carefully. I would like a full review of my payment history and balances by the bank for the past 5 years. I do not trust that tehya re billing me accurately and fairly.
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX I sold a property via short sale. There were XXXX loans on this property. XXXX loans were approved for short sale by Bank of America. Yet, Bank of America is reporting that I had a Line of Credit on the property, which I did not and they are reporting the settlement date as XXXX. I am currently trying to purchase a home, and it seems there continues to be problems with Bank of America accurately reporting information. This is the second CFPB complaint I have had to file regarding this matter. See the attached documents. Please submit a letter to me stating the fact that loan # XXXX in the original amount of {$280000.00} was closed XX/XX/XXXX. I have support showing that I was issued a cancellation of debt XX/XX/XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I recently reviewed my credit report and discovered several inaccuracies that are adversely affecting my credit score. These inaccuracies include accounts that I do not recognize or transactions that were incorrectly reported. Attached, you will find a detailed list of the accounts and entries in question. 
I am currently in the process of purchasing my first home for my family, and it is critical that my credit report accurately reflects my financial history to ensure fair and favorable mortgage terms. I urge you to review the attached documents thoroughly and remove the inaccurately reported accounts as required by the Fair Credit Reporting Act. 
Your prompt attention to this matter will not only help rectify errors on my credit report but also facilitate a significant life eventthe purchase of our family home. I appreciate your immediate action in resolving these discrepancies.
Consumer complaint received 2016-07-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

My husband and I refinanced in XXXX ( two weeks outside of HARP eligibility ) with Santander ( formerly Sovereign Bank ). In XXXX, my husband and I divorced, requiring me to refinance alone, in order to remain in my home. The lender refused to consider the combination of my XXXX income and private XXXX income, and required me to add my elderly retired father as a co-signee/guarantor, as a condition of refinancing, both in XXXX and again in XXXX, when the loan was refinanced to a lower interest rate. After reading CFPB Bulletin 2014-03, I believe this action violated the law, because my XXXX income and excellent credit should have been ( and continues to be ) sufficient to refinance the 30 year fixed rate loans.
Consumer complaint received 2015-05-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION (CA)

I purchased a vehicle in XXXX of 2014 and put XXXX down payment. They atattacjhefattached insurance that I already had on my vehicle and would n't take itoff which made my car payment hard for me to make. When they came to rereposses my car I called Lobel, to make a payment and the tow truckdriver started to scream at the finance company on the phone andphysically threatening me.
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I filed for bankruptcy XXXX 2012 and my attorney requested reaffirmation papers for my home and Bank of America did not respond. My home was excluded from the bankruptcy due to owing more than the house was worth. The credit bureaus report that my mortgage and equity loans were discharged and closed. I have paid my monthly payments through the bankruptcy and are up to date. I have tried to get Bank of America to reflect this to the credit reporting agencies, to no avail. I am requesting your assistance in correcting this matter.
Consumer complaint received 2015-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Priority Financial Network (FL)

I purchased a home located at XXXX XXXX XXXX, XXXX XXXX XXXX, Florida. My loan officer was XXXX XXXX, Branch Manager, NMLS # XXXX with XXXX Mortgage Services. On XXXX/XXXX/15 XXXX provided me with an initial Good Faith Estimate, for an interest rate of 4.375 %, and total settlement charges of {$21000.00}, including a loan origination charge of {$4200.00} and charge points for interest rate chosen totaling {$2600.00} This estimate, as stated on the XXXX page, was good through XXXX/XXXX/2015. Since closing was going to be later, and XXXX was unable to get me the specific interest rate, he sent me a new Good Faith Estimate on XXXX/XXXX/15. This Good Faith Estimate, which was the final GFE sent to me, had an interest rate of 4.625 %, and showed total settlement charges of {$15000.00}, including a loan origination charge of {$1500.00}. This interest rate was good through XXXX/XXXX/15 and the estimate for all other settlement charges through XXXX/XXXX/15. We were scheduled to close XXXX at XXXX a.m. The night of closing XXXX sent me a preliminary HUD with all estimated closing costs. The closing costs were completely different than those listed on the final GFE, including a loan origination charge of {$4200.00} and charge points for the specific rate chosen, totaling {$6800.00}, a difference of {$5200.00} which they said I had to pay or they would withhold closing and I would be out my initial deposit for the house, which was over {$8000.00} and they would not fund my house. As stated on the XXXX page, these are fees that can not change from the final GFE. You will notice on the XXXX page there is a discrepancy. All morning my real estate agent and I were on the phone with both XXXX, and XXXX XXXX, the representative XXXX, trying to get this straightened out. Finally, after over 3 hours or arguing and speaking back and forth with XXXX my real estate agent XXXX XXXX, they took off {$2600.00} from the loan origination fee. They still kept on the charge points totaling {$2600.00}. XXXX threatened saying if we did not close we would be out our money, so we decided to close, but are still very upset that we had to pay the charge points for the specific rate chosen, 1. because we did not get that rate - our rate was 4.625 %, not 4.375 %, which if we were given that rate, would have warranted that additional charge. 2. Because the amount was different than that shown on the final GFE. We are owed that money, and want it back.
Consumer complaint received 2016-04-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ashton & Weinberg, Inc. (FL)

A woman claiming to be XXXX XXXX has left harassing and threatening voice messages at my home at XXXX for the past two days. She claims I have until XXXX to call her back or else. I called yesterday XXXX/XXXX/XXXX at XXXX and spoke with a gentleman from a " law firm ''. When I asked to speak to XXXX XXXX he does n't know who she is. He explained to me about a debt with XXXX from XXXX. I have not received a validation notice and he insists that I am lying and that I did receive XXXX of them. He verifies my address and still I tell him I 've never received one and I 'm not going to pay you over the phone without seeing something in writing. He was the most disgusting human being I 've ever spoken to. He was so demeaning and sarcastic it sickened me. I ask him for his mailing address and it took him 2 minutes to find it. He gave me the following address which is linked to a company called XXXX XXXX XXXX XXXX ( not a law firm ) : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, RI XXXX. I told him I will mail him a letter stating that he can no longer call my home number and leave threatening messages. He laughed at me. 

This morning I receive a phone call from XXXX XXXX. She insists that I 'm not the person that she needs to be speaking with. She continues to threaten me and tell me she will update her system and that I should be prepared for what 's coming.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have consistently made on-time payments for this account, and it is causing me significant anxiety to see an inaccurate late payment on my account. I have never missed a payment and I am pleading with you to remove the incorrect late payment from my account as soon as possible. It is difficult for me to come to terms with this issue and it is affecting my ability to sleep. Please update my account promptly.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Got three unauthorized transactions from Bank of America debit card through Remitly : XX/XX/XXXX XXXX ( XXXX dollars XX/XX/XXXX XXXX ( XXXX dollars XX/XX/XXXX XXXX ( XXXX dollars I didnt even register for XXXX. Remind employees said they are the third party merchants so they refuse to refund me. Bank of America refunds me with the first one but marked the other two claims as claim not paid
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America offered me a modification on my home loan in XXXX XXXX, I signed the documents and sent them back in before the deadline. My next payment was not due until XXXX/XXXX/XXXX per the paperwork. I was spoke with my relationship ship manager she confirmed the paperwork was received and that as soon as I made my 1st payment on XX/XX/XXXX, they would bring my account current for XX/XX/XXXX and XX/XX/XXXX. That has not happened and Everytime I call Bank of America I get the run around no one knows what 's going on they ca n't seem to find my payments and my bank statement clearly shows the payments made to Bank of America. Also I actually made both my XXXX XXXX, XXXX and XXXX XXXX payment on the phone with Bank of America. They have been miss applying my funds and putting them anywhere except on my mortgage payment. The are not being honest and I not about to loose my home behind there misconceptions. They need to be investigated. This is the 2nd time I have had to file a complaint against Bank of America.
Consumer complaint received 2016-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (TX)

MY ORIGINAL BANK HAS SOLD MY LOAN TO SLS. I NEVER BEEN LATE ON MY PAYMENTS. LAST YEAR I CALLED THE COMPANY TO CHANGE MY PAYMET TO AUTOMATIC DRAFTING. I GAVE THEM ALL THE INFORMATION ON PHONE. BUT DUE THEIR COMPUTER GLITCH ON THEIR END, MY PAYMENT DID NOT GO THROUGH. I ASSUMED EVERYTHING IS FINE AND WITH MY BUSY SCHEDULE I DID NOT CHECK MY BANK STATEMENT. AFTER ONE MONTH THEY CALLED ME STATING THAT MY PAYMENT DID NOT GET POSTED. THEY CHARGED LATE PAYMENT. I CALLED SEVERAL PEOPLE AT THE CUSTOMER SERVICE WHO WERE RUDE. FINALLY I GOT HOLD OF ONE OF THE SUPERVISOR WHO WAS VERY PROFESSIONAL AND TOOK OFF MY LATE FEE. AFTER SEVERAL MONTHS WHEN I CHECKED THE CREDIT SCORE TO BUY A NEW HOME, TO MY SURPRISE THE LATE PAYMENT WAS REPORTED TO THE CREDIT BUREAU AND CONTACTED THEM VIA WRITTEN COMMUNICATION WITHOUT ANY HELP.PLEASE HELP TO RESOLVE THIS ISUUE.
Consumer complaint received 2015-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have never own a Credit card from the XXXX and it appeared on my credit report as collections balance to XXXX. As I have obtained a mortgage for my retirement home in Oregon, lender asked me to pay the full balance in order to get the loan closing because the credit reporting agency has been refusing to remove the error off my credit report! I paid the full amount of someone else 's financial misdeed. My husband and I are on a fixed income please help us to get our money back. Than you
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is reporting a 30-day delinquency on my credit report with Trans Union, that is not correct. I have always paid account as agreed. The account is currently in debt management which has been paid as agreed. Although the account is closed and in their approved debt management program, they continue to charge late fees and monthly annual fees. You will see from the attachment that they have credited back XXXX months of late fees proving the reporting error was made which they refuse to correct.
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was reported for greater than 7 years ( XX/XX/2007 ) for a NY State paid tax lien and transition and equifax continue to report it and the law states that paid tax liens should not be reported for greater than 7 years and it has been over 8 years.
Consumer complaint received 2016-02-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX/XXXX/XXXX I was approved for a Bank of America ( BOA ) XXXX XXXX account with a leased XXXX from XXXX XXXX XXXX XXXX. Before signing the contract, the BOA representative who opened the account stated there was a Buyer 's Remorse period during which I could return the unit without fees anytime before the beginning of the first lease period, which was XXXX/XXXX/XXXX. He also indicated in multiple phone calls that my processing fees were 1.69 % plus XXXX cents per swipe for XXXX and XXXX, 2.13 % plus XXXX cents per swipe for XXXX XXXX, and a XXXX cents flat fee per swipe for all debit cards. He stated that there were no other fees and these were the lowest in the industry such as when compared to XXXX, which has a 2.75 % flat processing fee for all card types. He also stated that holding an active XXXX XXXX account would waive the monthly fees on the Business Checking account held with Bank of America. I agreed to these terms and received the unit. However, I was not satisfied with the experience, and wished to return everything before the lease began. On XXXX/XXXX/XXXX, I contacted my BOA representative and he told me to contact XXXX XXXX. I contacted XXXX, who told me my lease had already begun on XXXX/XXXX/XXXX and I would be responsible for paying nearly {$3000.00} to pay off the lease even if I returned the device. I called BOA back and told my representative, who was shocked and stated that the lease clearly should not have begun until XXXX/XXXX/XXXX and that he would speak to his manager about doing a buyback to resolve the issue. The buyback was approved, and I shipped the device to BOA with XXXX overnight shipping. However, on XXXX/XXXX/XXXX I noticed a withdrawal from my checking account for the amount of {$62.00}, labeled lease payment. I attempted to contact BOA multiple times regarding this charge, and was largely ignored until the XXXX attempt, when they said I would need to contact XXXX to get the fee refunded. I am still in the process of trying to get that fee refunded. In addition, I looked at my merchant statements for the payments I had processed, and found that I was charged many fees in addition to the fees described earlier. For example, it was definitely not a {$0.00} flat fee to process debit cards, I calculated it out to be more like 1.5 %. In addition, the statements are complicated and designed to be confusing and difficult to reconcile. Finally, I was also charged a {$29.00} monthly fee for my Business Checking account, which was supposed to be waived. When I complained about these hidden fees to BOA, they told me to contact XXXX regarding the processing fees. I feel that I was deceived and misled from the beginning that BOA XXXX XXXX would have the lowest fees in the industry, and have found reality to be completely contrary.
Consumer complaint received 2015-04-25
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: ENCORE CAPITAL GROUP INC. (PA)

I was issued a civil suit from MCM. I settled and made payment before hearing. They didnt contact the court house like they said i would. I payed the debt off, but on my credit score they still say i owe money and they payment amounts are wrong. I contacted them and they give me a number where i dont get any assistance.
Consumer complaint received 2015-11-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I got my free annual credit report. I has just XXXX companies with their credit report ; XXXX AND XXXX but not the EXPERIAN. I need the full XXXX companies reports and now I will pay Experian in order to obtain it because it is listed in thre free credit reports but it is not included.
Consumer complaint received 2016-09-13
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (IL)

On XX/XX/2016 Capital Accounts reported an invalid debt to the XXXX major credit bureaus on my behalf. I immediately sent Capital Accounts a letter requesting validation of which they received XX/XX/XXXX. I then waited 30 days and sent a follow up letter requesting validation again, of which they received XX/XX/XXXX. As I had not heard back from Capital Accounts, I filed a dispute with XXXX, XXXX and XXXX as I 'd never done business with Capital Accounts and did not owe the alleged debt. On XX/XX/XXXX, Capital Accounts verified the account as accurate with the XXXX. 48 hours later, I received a message from another credit card lender that due to the recent changes on my account caused by the collection Capital Accounts reported on my behalf, they lowered credit line XXXX % causing my credit utilization to rise to XXXX % and tanked my credit scores tremendously. Due to the invalid debt, I 've been denied additional lines of credit and an opportunity to lower my current interest rates. Capital Accounts has violated FDCPA regulations : 1692 e ( 8 ) Threatens or communicates false credit information, including the failure to communicate that a debt is disputed and 1692 g ( B ) Collector must cease collection efforts until debt is validated