davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF THE WEST (NH)

Foreclosure Proceedings have been set for XXXX XXXX, XXXX and I am trying to prevent this Foreclosure as the bank has not followed through with what we have agreed that I will obtain new Financing to remove them from the note and they will not work with me. Please contact me with what ever you need from me for documentation as I have a substantial amount of information/documentation and can provide whatever you need. I had filed for bankruptcy protection in XXXX of XXXX as the Bank of the West filed for foreclosure at that time. XXXX/my attorney at the time agreed that we should have the case dismissed and this would allow the new bank I currently am working on refinancing ( XXXX XXXX XXXX XXXX XXXX ) ( new Bank ) to remove them from the SBA guaranteed loan. I/we have followed the protocol as outlined by the bankruptcy judge and have continued to make the monthly payments of {$2600.00} of which they mailed XXXX XXXX, XXXX payment back to me stating that they have already filed for foreclosure of XXXX XXXX, XXXX. AgainI have made payments as outlined in the bankruptcy proceedings and have made them prior to the due date. Besides what is listed above XXXX has further requested the following:1. ) XXXX has asked them for all of the Financial back up including what they claim to be in arrearage. 
2. ) XXXX has asked to set up payment arrangements once we have received the financial information ( again to no avail ) 3.why would they contact my Investment property owned by me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH XXXX ) which has a Tenant living there. The tenant whom received a notice to vacate the property prior to the foreclosure sale of XXXX XXXX, XXXX has XXXX young children and is a single mom now has severe XXXX over this. This property deeded to XXXX XXXX XXXX has a lease agreement with the tenant whom was unaware of all of this. 
4. ) XXXX/I have asked for a full accounting detail break down of the account since it inception to assure that funds have been properly applied. 
5. ) What XXXX has received is very vague and I am not sure how a loan that shows a principle balance of XXXX XXXX round figures ) and a maturity date of XXXX XXXX could now be stated ( according to what vague we got XXXX {$31000.00} how can the loan go up from XXXX to XXXX???? 
6. ) Does this stop stop the foreclosure process until this matter can get resolved and or the financing can get put in place and remove them? 
I do intend on filing with the Consumer Finance Protection BureauRespectfullyXXXX XXXX XXXX
Consumer complaint received 2017-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (FL)

This is again the same dispute over and over see confirmation of payment XXXX// I faxed this information to you onXX/XX/2015 with a copy of my driver license bank statement when it was paid I been having to do this every 14 months the day of payment was made XX/XX/XXXX {$85.00} it was under the name XXXX XXXX it will faxed again if need it thank you
Consumer complaint received 2023-12-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I applied for a HELOC loan with bank of America Back in XXXX of XXXX. My application was accepted, and we were in the underwriting process. Bank of America found that there was a Lien still on my home and stated that they could not proceed unless the lien was released. Bank of America had done the loan modification for me back in XXXX as they were the holder of the note for my mortgage. Bank of America had sold the servicing to another company, and since then I had refinanced from the FHA loan to a Conventional loan. All notes were paid when I refinanced. I reached out to ISN for a copy of the lien release from the modification and they provided it. Bank of America 's underwriting department for the HELOC was still showing a Lein on my house however for the exact amount as the release. When I reached out to the county to get the paperwork that was filed, I was able to retrieve both the original and duplicated lien that they had filed. I am now unable to do anything with my house because of the duplicated lien. ISN has maintained that they do not have such recording of the duplicate, and that Bank of America needs to resolve the issue.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

After reviewing my credit file I notice two accounts that are the same account being reported on my credit file. Under the FCRA, it 's not illegal for birth to be reporting but under the law they both can not be reporting a balance. I have disputed this information several times and the credit bureau continues to state this information is correct. Under the FCRA sec XXXX this is an illegal practice and they should know this can not be done. Reporting both items with a balance has help destroy my credit worthiness and it 's a violation.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: States Recovery Systems, Inc. (CA)

After reviewing my credit file I notice XXXX accounts that are the same account being reported on my credit file. Under the FCRA, it 's not illegal for birth to be reporting but under the law they both can not be reporting a balance. I have disputed this information several times and the credit bureau continues to state this information is correct. Under the FCRA sec XXXX this is an illegal practice and they should know this can not be done. XXXX both items with a balance has help destroy my credit worthiness and it 's a violation.
Consumer complaint received 2016-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (OH)

I have disputed this information several times in the past because the bill had been paid. It keeps showing up on my credit report. Once I dispute the information it stays off for a year or so then it reappears with a different date. This causing me a lot of problems. It not only wrong but it is hurting my chances of obtaining a home. It is XXXX different companies that are doing the same thing. I have contacted the companies and with the same results nothing.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc. (FL)

XXXX is reporting four accounts without my consent I've tried to resolve the matter but no response, nor proof on why I wasn't notified to request a reinvestigation. accounts listed below santander consumeXXXX usa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

Hi, I have a rental reservation on XX/XX/2021 at XXXX XXXX. When I arrive at the rental location, there is a huge line waiting for my reserved car, which took me about 2 and half hours to get my car. When it is my turn, the representative told me they do not have a similar level rental car that I reserved, and asked me to wait about an hour to get a car I reserved at XXXX XXXX, which is not reasonable. 

After my complaint, the representative agrees to give me another car to drive. The car is noisy and shaking when I was driving, which made me really uncomfortable and felt unsafe to drive the car, so I had to return to the rental location just after XXXX and half hours. 

After I returned my car, I noticed my return rental agreement had a charge of {$83.00} showing it is for a vehicle upgrade. I do not get any information before I have to pay this fee, and I do not agree it is my responsibility to upgrade the car because of the insufficient stocked car at the location. I contact XXXX several times and wish XXXX could solve this problem for me, but they never respond to my message. 

I do not believe I should be charged for this bill amount. 

Thank you.
Consumer complaint received 2017-08-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC (CA)

Cavalry portfolio services a debt collector bought the debt from XXXX on XXXX which was to drop of my credit report onXX/XX/XXXX XXXX is no longer on my credit report. Cavalry Portfolio Services remain  and is scheduled to remain until XX/XX/XXXX.They have called friends in Ohio my XXXX job. I need them to removed. The account # XXXX There address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I live in XXXX XXXX. My email is XXXX
Consumer complaint received 2017-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I 've been having problems with my checking account and overdraft charges. It 's gotten so bad that I 've been sending my auto loan payment in to the same bank late now for a few months. Is there anything I can do to try and get these fees refunded to me so I can breath again?
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

PERSONAL INFORMATION NEEDS TO BE : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX IA XXXX EMPLOYER : NONE PHONE NUMBER : XXXX EMAIL : XXXX SPOUSE : NONE AND ANYTHING ELSE NEEDS TO BE DELETED ON EXPERIAN, XXXX, XXXX
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting four accounts without my consent I've tried to resolve the matter but no response, nor proof on why I wasn't notified to request a reinvestigation. accounts listed below XXXX XXXX XXXX XXXX XXXX XXXXe XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-19
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX contacted equifax to correct issue with incorrect info on credit reporting of acct ending in XXXX and equifax refuse to correct issue. they where contacted by XXXX XXXX at XXXX XXXX XXXX. she is a senior executive resolution specialist within the corporate office of XXXX. but the will not correct info
Consumer complaint received 2017-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

My FEEL Consolidation loan was just moved from XXXX XXXX to Navient. Navient does the same thing that XXXX does, which is mis-apply apyments., In fact, over the last 15 years, not ONE payment has been applied towards principal. When my loan was switched from XXXX to Navient, my payment went up by {$200.00} and they STILL are not applying any money towards principal. At this rate, I will pay {$400000.00} for a loan which started as {$78000.00}. XXXX ballooned my principal balance for no reason, and now Navient has increased my payments. Both of these companies owe me money and need to lower my principal to what it should be. I also want to be able to eventually pay this loan off! My principal balance is now {$150000.00}! It goes up, not down! I am current with my payments. I always have been. 
I have also asked several times for a complete history of documentation and neither XXXX nor Navient is able to supply me with an accurate accounting of my loan or the original paperwork. Therefore, this loan should be forgiven. 
I can not barely afford to pay the {$1100.00} per month they want, and I certainly can not afford to keep paying this loan in perpetuity. 
Why should this loan servicer be entitled to {$300000.00} from me for the rest of my life?? They are preventing me from buying a home because of this bad debt on my credit. They are preventing me from getting ahead in life and I want answers NOW. I want their justification for raising my payment and for not producing documents. If mortgage companies must have original documents, then so should student loan companies.
Consumer complaint received 2021-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I SENT IN LETTERS BUT GOT NO RESPONSE ON THE FOLLOWING : I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
Consumer complaint received 2017-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

On XXXX/XXXX/XXXX XXXX recovery had reported a debt owing on my credit report however, no balance is oweing. On XXXX/XXXX/XXXX I contacted XXXX XXXXy @ XXXX and asked them who the debt is owed too however, they rep I spoke with said they couldnt provide me with any info until I provided a credit or debit card. I called again on XXXX/XXXX/XXXX and asked again who the debt was owed too and again they would not provide me any info. Again I called on XXXX/XXXX/XXXX and asked to speak with a XXXX and the XXXX XXXX no XXXX would be able to assit me. I asked for a letter to my address since I have not received any calls or letters regaurding this debt and the XXXX said he was unable to send any letters and again refused to provide me with any info. On my credit report the company that is owed says capital one bank however, I have never banked with capital one and never have fallen behind on any of my credit cards with capital one. I have also contacted capital one and have been advised nothing has been sent by them to this collections agency.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

My complaint is concerning Equifax and their credit score reporting methods. 

I submitted credit/debt collection errors through their website and, without addressing any of the issues, they lowered my credit score XXXX points. This represents a XXXX point difference between Equifax and other credit reporting agencies. 

There is no reason for Equifax to drop my credit score XXXX points. 

I want my credit score returned to normal and all of my submitted corrections to their inaccurate credit reporting repaired.
Consumer complaint received 2022-08-25
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Holdings LLC (IL)

I have attempted to get an answer from the financial institution regarding the FHA Claim proceeds that show up as an entry in my account, which show up at the same time to property was sold, and represent the amount of proceeds that would have been the difference between what was owed on the loan and the sale price of the property. 

XX/XX/XXXX Repayment to Loan Balance - FHA Claim Proceeds {$22000.00} In addition, they continue to charge against that balance for property preservation even though it has been sold since XXXX, XXXX Finance of America XXXX XXXX XXXX XXXX MI XXXX
Consumer complaint received 2022-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion continues to violate my consumer rights. I sent TransUnion a letter on XX/XX/2022 to correct errors to my name and address and requested not a reinvestigation but a method of verification for the disputed accounts still listed on my consumer file. I submitted a copy of my driver 's license with my name and address. TransUnion continues to be willfully noncompliant in furnishing inaccurate information. The letter TransUnion sent XX/XX/2022 has incorrect listings of my name and an incorrect address. TransUnion has also violated 15 USC 1681i ( 6 ) ( B ) iii, as I requested 1 ) The name of the original creditor, 2 ) The creditors address and telephone number, 3 ) The person 's name they verified with, 4 ) The documentation used to verify the dispute. I was not sent any documentation that was used to verify any of the information furnished.
Consumer complaint received 2017-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: E*TRADE BANK (CA)

I am filing this complaint regarding XXXX Bank which wrongfully closed my XXXX Account with them for unknown reasons. This illegal closure of my account resulted in my becoming homeless and destitute. 

I have been contacting them every week recently to try and recover the funds that I had deposited of my SOcial Security XXXX into this account with no success.. 

This has made my XXXX worsen. I have Chronic XXXX and XXXX and the money I had deposited in the XXXX XXXX account was meant to be my savings including for my retirement. 

I know I am doing the right thing as a consumer that believes the law must serve the consumer. XXXX 's mishandling of my hard earned Social Security XXXX XXXX XXXX is grossly unfair and I am seeking the full recovery of these funds.
Consumer complaint received 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I have a Chase account XXXX. The principle balance on the account has been {$XXXX} sinceXX/XX/XXXX. I submitted payment since XXXX for the XXXX payment of {$XXXX} over the p/b amount. I have contacted the company several times asking to please apply my payment to payoff the account p/balance. several weeks past, then months, I reached mortgage again, in XXXX, XXXX and now in XXXX. I was finally informed they refuse to process my unapplied funds to the p/b and payoff the account, yet they continue to report on XXXX, XXXX 20/60/90 days delinquencies. I have written in XXXX, and XXXX to executive complaints with no response to please payoff my loan with the unapplied funds, close the account, correct my credit reporting for the pas 4 months bad and negative reporting.
Consumer complaint received 2017-07-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (KS)

In XX/XX/XXXX, I leased a XXXX XXXX for my daughter. All payments were made on time. I received the paperwork for the end of lease along with the amount I needed to pay for the residual and the sales tax. I sent my check to them along with the requested paperwork on XX/XX/XXXX and they cashed my check on XX/XX/XXXX. To date I have not received a title. Many phone calls resulted in being told everything is in order and I would get the title soon. On XX/XX/XXXX I was told the title would be mailed on XX/XX/XXXX. Still no title. On XX/XX/XXXX, I called again and was told they would have to order a duplicate title from the state of Kansas. Today, I called the Kansas Department of Motor Vehicles in XXXX, KS and was told that JP Morgan Chase ( dba XXXX XXXX ) had never send a " release of Lien '' document, so no title had been issued. In Kansas, the title is electronic for a lease or lien and is only issued after the lease is ended or the lien is paid off.
There is no good reason, save for incompetence, why I have not received the title to the car I have fully paid for. A very nice lady, XXXX XXXX, said she would help me on XX/XX/XXXX. To date she has not called me back nor does she answer her phone messages. What do I have to do to get the title for the car?
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

My Name is XXXX XXXX XXXX XXXX I been resiving, Notification of my credit report About i quieries i dont recognized those inquieres, i dont apply for those account, or business, i contact both parties, they dont help Im trying to fix my credit and with this issued is goin to be a disaster, if this keep goin on, I only have XXXX credit card, no loans or nothing else i dont need no more credit, I have XXXX XXXX, XXXX, XXXX.. 
No need more.. please Help me.. 
I think im victim of identity theft.
Consumer complaint received 2016-10-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

XXXX XXXX, XXXX I requested validation from FCO regarding collection account reported on my credit report dated XXXX/XXXX/XXXX. 

They provided proof on XXXX/XXXX/XXXX ; however the " Statement of Security Deposit Accounts '' document dated XXXX/XXXX/XXXX does not provide dates of amounts in " Balances Due '' section. There is a " New Charges '' section reflecting {$1300.00}, with no itemization of these charges. Additionally, there is a {$750.00} " Damages '' charge ; however a Damage Assessment was not provided.
Consumer complaint received 2017-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (MD)

I submitted a purchase of XXXX ETH to Coinbase for {$2000.00} USD on XX/XX/XXXX XXXX. The exchange rate applied at the time of purchase was {$280.00} USD. On XX/XX/XXXX I received an email saying that the order had been cancelled. However, from the time of purchase on XX/XX/XXXX to the time that I was informed my order had been cancelled, the value of ETH increased to {$340.00} USD. Coinbase arbitrarily denied my purchase and costed me hundreds of dollars of potentials ETH gains in the process. I have attached the emails I received from Coinbase as supporting documents.