davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

1.XX/XX/2015 I decided to pay off the entire outstanding balance on XXXX credit cards and since I was not using them, to have them cancelled. I called the toll-free number on each statement and so informed them and asked for the amount of the balance to pay off and close the accounts. The figures their customer service agent gave me were identical to the " New Balance Total '' shown on the current bill. I had set aside that amount to pay these bills and told the customer service agent to use the " Auto-Pay '' arrangement then in force and draw those amounts from my bank account ; and then to terminate the Auto-Pay arrangement. They withdrew the amounts ; the Auto-Pay was terminated ; and the cards cancelled. Later I began getting bills for additional interest or whatever and when I called to complain the customer service agent tried to explain something about their internal accounting or bookkeeping. I insisted that when I asked the question and was given the payoff figure ( which matched the last statement ) and I made that payment, that I would pay no more. Their letters and bills keep coming despite having reported all this by letters to both companies twice and repeated calls. But they keep sending demand letters and increasing the amounts on these " bills. '' I am semi-retired with little to no workingincome and set aside money to pay these bills off and close the credit card accounts. I believe that when their Customer Service Representative provides me with the number after my explanation, that I ought to be able to rely on that number, pay that amount, and be done with it. The credit card companies presumably have recordings of my telephone conversations which should confirm all that I say. No mention was ever made of any more money due than the amount they gave me, which sum was paid immediately while we were still on the phone. I relied on that conversation and the figures and should not have to be concerned with some internal accounting or bookkeeping they do in their office of which they never gave me any notice. ( Maybe they 'll find something in the " small print '' somewhere from years back! ) These credit card companies should change their procedure and tell their Customer Representatives how to explain their intentions to continue billing after payment in full when a customer like me calls. 

2. I would like both companies to cancel these bogus charges and stop sending me these threatening collection letters.
Consumer complaint received 2018-05-18
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: Vitek Real Estate Industries Group, Inc. (CA)

In XX/XX/2016 my home flooded from a rain storm. I reported it to my home owners insurance and could get help because it was not covered. I contacted Vitek Morgage Group, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. and ask them for some assistance and was not given any until I contacted several federal agencies. Then they offers me a program that allows your mortgage to be dismissed for a few months, but I still had know where to live of fix my water damage. Finally they offer me a deed in lieu which I had no choice, then I ask them will it hurt my credit score and they said it will possibly show own my credit report, but they all so said the payment would stop once the process began. But they did not stand behind their word and put a late payment own my credit report that has keep me from getting another loan from any mortgage company and buying thing to help me in my life. I am a XXXX veteran and have seriously medical issues.
Consumer complaint received 2017-11-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Transunion will not delete servers inquiries on my credit report that are not mine nor did I authorize them, Ive called/sent letters with this complaint yet nothing has been done.
Consumer complaint received 2016-09-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Recently i deposited my employer 's pay check through mobile online banking application to my Bank of America checking account on XXXX, but the bank put it in hold my available funds until XXXX at XXXX. My employer use XXXX for his pay checks. I have had my BoA account for 10 months without any overdraft
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$540000.00}
Consumer complaint received 2017-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (WA)

A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX XXXX for XXXX XXXX XXXX XXXX with a balance of {$400.00}. I have XXXX numerous notifications to these companies that this is identity theft yet they continue to show on my credit reports despite me being the victim of the crime.
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Velocity Portfolio Group (CA)

This issue is been going for quiet some time. 
Late in XXXX I received a letter from XXXX XXXX XXXX stating that they represent Velocity Investments and that I owed about {$10000.00}. I had no idea who Velocity was and I mailed a letter back to them asking for more information. I also explained to them that I lost my job and my available funds were very limited. I never heard back from them. About a year later I found out that they filed a lawsuit against me. I tried to contact Velocity several times. I called and email with NO answer. I finally spoke to a person who said that she was n't able to provide me with any information and referred me to XXXX XXXX XXXX. I called and requested more information but I was terrified by the lawsuit and asked what will be a reasonable amount I can pay, the lady on the phone said that the only acceptable amount was somewhere around {$9900.00}. I asked to make payments and she said I should call back and talk to a " XXXX ''. I did. I asked to see a proof of my debt. in XXXX of XXXX I also emailed and requested more information and offered to make monthly payments for the amount i owe. 4 days later they send me a file that does n't have my signature and claimed that i owe {$10000.00}. I kept telling " XXXX '' that the amount was incorrect. 
XXXX had XXXX at her office email me an agreement requesting a lot of information and said she will have to see if she can get the payment plan approved. 
I requested again to have more information that shows the breakdown of all my payment. I emailed them on XXXX and XXXX. 
on XXXX I finally received another email from XXXX, this time they claimed that I owe {$10000.00}. 
I requested the breakdown again on XXXX and XXXX, XXXX, XXXX. I found out that on XXXX a person came to my daughter 's friends home looking for me claiming to be an " officer of the law '' and she refused to leave. she said she will be back every day until she is able to hand me some documents. That created a lot of XXXX and I know it was illegal.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

During this XXXX, when I went XXXX XXXX XXXX for car battery which was under warrenty and the auto shop worker confirmed me that it was under warrenty before I move the car to them for exchange this parts. 
However, late I found it was in my credit card bill, amount {$110.00}. XXXX XXXX XXXX XXXX fake on my receipt by put wrong plate number and fabricate charge such for food grocery ... ) immediately and I started to talk to XXXX XXXX, told them the truth, they issued charge back, but then one month late XXXX XXXX re bill to my account, I then went to local office of XXXX, submitted addition support of warrenty sticks by fax .. 
But dispute dept of XXXX XXXX changed my original claim number so that is the trick dishonesty to customer, by doing so the dispute dept guy Pretend not see my evidences a/o disconnected my submitted document Logically, so as result, they pretend not see the solid reasons of mine, And often they disguised not to received my supporting evidence. 
By the way, as I also contacted headquarter of XXXX. on early XXXX A higher lever managed told me they ( XXXX issued credit to me after Knew the auto dept cheating ), I asked XXXX, why change my XXXX number You know what I mean. correction?
Consumer complaint received 2017-11-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XXXX XXXX, XXXX I used my rights to ask equifax to verify some accounts on my report, with Proof, because I had issues with verification of the accounts when I checked. I also asked on that date to remove any non- account holding inquiries over 30 days. I heard nothing from them about the matter I requested so I am sending a second letter requesting the same information, on XXXX XXXX, XXXX.
Consumer complaint received 2023-03-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

i sent a dispute by mail asking what form of verification was used to verify the said Debt that doesnt match my records. they claimed that the furnisher has verified it and they dont need to show me proof ... iv reached out to the funisher and they havent responded to my mail or phone calls, yet XXXX still claim its verified ... its been 6 months iv tried working on this and im being told the same thing ... iv requested informtation regarding the verification on the debt with 2 certified letters now and havent recieved anything but a credit report copy, that i can get get online for free...
Consumer complaint received 2017-09-05
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (GA)

XX/XX/2017 when i checked my email and logged onto my account with navient student loans it showed that i was behind at least one month. When i checked the payment history i was current with all monthly payments. Yet, i received an email saying i am behind on my payments and will be charged double. Also, my monthly payments increased from {$350.00} per month to {$530.00} per month.
Consumer complaint received 2017-09-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (VA)

My loan was transferred from XXXX University to " Heartland ECSI '' I received one letter from them that stated that my account was past due. I can not log-on online because I never set up a log-in, and have no information. When I try to call them, I wait on hold for more than an hour and never get through. 

I have used their call-back system as well, which has also not worked. I have no means to access their systems or their agents to submit a payment. They are concurrently threatening to send my account to collections and flag it as delinquent if I do n't pay. 

In summary, there is no means to remit payment to ECSI, however they are threatening action that would impact my XXXX XXXX.
Consumer complaint received 2017-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WA)

THIS IS A NEW COMPLAINT. Prior complaint XXXX was rejected due to a document not showing when scanned and sent. 

This complaint is being filed on behalf of XXXX & XXXX XXXX, they purchased their home home a year ago. The owners work long day hours which makes it difficult to make contact, and they are not familiar with how they can correct this alleged payment issue. 
Mortgage is with Ditech who has the correct phone numbers, address and emails. 
The entire monthly payment with impounds is made via AHC ( automated pmt ) and have all been made timely.

The Servicer/Lender made no proven, documented effort to notify the homeowners by any means regarding ANY changes to their monthly payments due Ditech. There was no form of communication received from Ditch that the real estates taxes had increased and to adjust the monthly payment, this is what the tax service fee at closing is for -to notify all of what will be due upon the next cycle and make adjustments as needed. 

Their was @ {$30.00} increase to the taxes monthly, that the owners needed to pay. Without any proven documented communication the payment was rejected ( see attached ), then charged late fees. 

When viewing the attached monthly statements please note that there had been sufficient funds to cover the shortage regardless, then notify the Owners to increase their auto- payment amount thereafter.
Consumer complaint received 2015-07-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Turning Point Solutions LLC (PA)

On XXXX XXXX, 2015 at XXXX, I received an call marked as unknown on my cell phone from a woman named XXXX that I had to call her back at XXXX ext. XXXX by XXXX that night regarding the account I have with them. First, this is Advance Capitol Solutions which is a debt collection company that I have NO relationship with. This company needs to stop contacting me immediately and I am filing a compliant with every organization I can to get this illegal company shut down.
Consumer complaint received 2017-09-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (NC)

I am writing in hopes that you can help me to stop XXXX XXXX from a collection action where I have tried for months to get them to send me a statement that is broken down explaining all the charges and not just a final bill. I have called repeatedly and ask for this so I can get the early termination fees taken care of by XXXX as per our agreement for switching to them. They have turned my account over to a collection agency and after they called me two days in a row after me telling them not to I get a collection bill from them today. I have tried over and over to get this resolved and I have asked them to please break it down so that the bill can get paid and every time they send me a bill is only stated final bill and has all charges stated as one. I have taken this bill to XXXX where the local office accepted what I took to them but when it went in to the decision makers they would not accept it because it did not break it down to show early termination charges and any charges for service. As you know you have to pay for service to them a month in advance and I paid for the last month that I was with them and yet they say I still owe them money plus early termination fees. The early termination fees will be paid by XXXX if they will send a breakdown on the bill and not just a final bill. I do n't know what else to do to get this worked out and keep it off my credit report. I have done everything I can and they refuse to send the bill broke down as has been requested numerous times in the past few months. I hope you can get this resolved for me and help me to keep this from showing up on my credit report.
Consumer complaint received 2016-05-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

I have been trying to find out from Navient what are all my options in regards to paying my private student loan. For the past year they have been constantly keeping back information. Recently I have been going through some financial difficulties and could not afford to make payments. I was offered the hardship deferment option, but it costs {$50.00} just for 3 months. I have been dealing with the rudest person, XXXX, at Navient that all she knows to do is make threats towards and me and my family if I do n't pay ... .stating that she will make sure to put us out on the streets. Recently I have received some letters from Navient stating that now there are more options and that I need to call them. Every time I call I only get XXXX and she states that there are no options that would apply to me ( not even the ones listed on the letter ), even though on the letter it has my loan #. After many days of calling, I was able to speak to someone else, XXXX, and she was nice enough to share more options that are available, though she said there are more but I need to be in a different financial position for her to share them with me. After few minutes of conversation, she states that she needs to transfer me back to XXXX. Once transferred to XXXX, she starts yelling at me to pay up or she will make sure to escalate the matter and have an attorney 's office come after me. After I tell her I spoke to XXXX about some other options, ( like 1 % interest, late fee waiver ) all of a sudden she remembered that these option are available to me too. As I probe more and share more and more of what XXXX shared as being my options and what the letter states, XXXX starts to recollect the options as well. When pushing to find out what other options I have she starts screaming that I need to pay or she will make sure to have an attorney come after me and then she hung up. I want to know what are ALL my options and not have threats agains me.
Consumer complaint received 2017-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (GA)

Have made my mortgage payments on time since inception with this company ( 7to 10 years ). All of a sudden, they start calling and informing me that I 'm {$480.00} late and considered late every month. This is the first I have heard of it ever. I was forced to pay the amount on the phone so as not to be reported " late '', and was told a payment dispute tracking request would be initiated. Never happened and never received any information/update from Seterus. 
An agent called from Seterus TODAY to tell me my payment was late. It was paid on XX/XX/17! Not in their system apparently but my bank shows otherwise. I was told it 's my problem and I have to submit a request in writing to get them to do anything. I have done nothing wrong. I am up to date, but they will send me nothing to confirm that. Agent, XXXX XXXX XXXX looked at my file today and said that there were no payments due other than XX/XX/2017, which I have paid on the first. He referred me to " XXXX '', his supervisor, and he had no answers either! I work, stressful life like many, and have already been robbed of at least two hours of time with these people with no answers! No agent has any real knowledge of what they are doing and how to help the consumer. This is wrong! Life is stressful enough. Now another evening is ruined by these inept people. You pay your mortgage and bills on time, do everything right so as not to have unnecessary problems added, and then something like this happens. I feel I am being harassed and I want resolution. I have to work so I can keep my home.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

please find attached the letter from the creditor Nissan Infiniti, for which they have approved to remove the late negative from my credit report. 
i have already provided this letter to XXXX and XXXX. 
XXXX does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.
Consumer complaint received 2017-09-05
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. (CA)

please find attached the letter from the creditor XXXX XXXX, for which they have approved to remove the late negative from my credit report. 
i have already provided this letter to XXXX and transunion. 
XXXX does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.
Consumer complaint received 2017-09-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (VA)

I took a loan for {$110000.00} with PNC bank on XX/XX/XXXX. I made payments of {$1000.00} a month for nearly three years. In XX/XX/XXXX I lost a well paying job but still maintained my payments as long as I could. The final amount was {$100000.00} on XX/XX/XXXX. 

I started trying to try to make the payments again only to find it was charged off in XX/XX/XXXX. I paid {$14000.00} while not knowing the bank had added the charges below. 
Below is a list of charges post charge off the bank added to my loan : XX/XX/XXXX 1. ) {$4400.00} and 2. ) {$19.00} XX/XX/XXXX 1. ) {$15000.00} XX/XX/XXXX 1. ) {$1300.00} XX/XX/XXXX 1. ) {$1600.00} Adding a total of {$22000.00}. What is extremely odd is I started trying to pay the debt in early XX/XX/XXXX. My understanding is that banks ca n't charge interest on debt that has been written off. I have tried twice to come to a settlement but find their practices invasive and offensive given they treat the extra add-ons as normal. 

There is a discord between what is owed to the bank on the deed ( {$110000.00} )