davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

Bank of America refused to deposit a properly endorsed check into my checking account. 
My insurance company, XXXX XXXX, issued a check for a personal property loss due to a fire. The check is made payable to XXXX XXXX XXXX, my public adjustor ; my husband and myself. We have all properly endorsed the check. On XXXX/XXXX/XXXX, my husband attempted to deposit the check into a personal checking account in both our names. The Bank of America branch is at XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX ; phone : XXXX. XXXX XXXX, who identified herself as a Manager, refused to deposit the check. The check is a properly endorsed negotiable instrument. The check is drawn on a Bank of America account and being deposited into a Bank of America account. If Bank of America will not accept this check for deposit, how can I negotiate the check? 
NOTE : I have no problem with the bank accepting the check for deposit and placing a hold on the funds. Bank of America accepted deposits on three other occasions with the same payor, same payee, same endorsement. Deposits were made XXXX/XXXX/XXXX for {$92000.00} ; XXXX/XXXX/XXXX for {$19000.00} ; XXXX/XXXX/XXXX for {$2500.00}. 
I would appreciate any help you can give me in this matter. Thank you.
Consumer complaint received 2018-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NC)

I am the victim of identity theft, I have been sending letters to all 3 credit agencies and some of them said it has been verified that it was me ... ..? I asked these companies to send me original contracts from the parent company that I allegedly signed and they could not. All some of them sent was copies of transactions that were made ... .. '' PLEASE send me the original contract that I allegedly signed. PLEASE. 

XXXX XXXX ... .Please send me original signed copies from parent company. 
XXXX XXXX ... Please send me original signed copies from parent company. 
XXXX XXXX XXXX .... Please send me original signed copies from parent company. 
XXXX XXXX bank ... Please send me original signed copies from parent company. 
XXXX bank ... .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX XXXX XXXX .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX ..Please send me original signed copies from parent company XXXX ... XXXXI am not a home owner. who are these people XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX   ... .Please send me original signed copies from parent company XXXX ... .Please send me original signed copies from parent company
Consumer complaint received 2021-06-04
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. (NY)

I reached out to the 3 credit bureaus months ago and already explained to them those late payments should not be on my report because that was during Covid and that account is in deferment, but till this day I have not received any response to them. They haven't verified anything or showed me any proof that these late payments are factual. I want them updated to paid as agreed because I was never late and this is affecting my credit. Also Its been well over 60 days and this should be an automatic removal for not responding and those inquiries are fraudulent and should not be there as well.
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (CA)

My credit card company called me.in XXXX 2015 to report a fraud alert. I confirmed the fraud purchases totalling {$600.00}, yet they never took the fraudulent purchases off my statement and continued to charge me interest after I disputed the charges. I have written to them 3 times and never received a response. Ive emailed them requesting written responses and they say my only option is to call them ( which would leave no documentation ).
Consumer complaint received 2015-10-26
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (MT)

I dispute the entire amount of student loans serviced by Navient because the debt was the direct result of fraud and misrepresentation committed by The XXXX XXXX of XXXX including, but not limited to ( a ) the urgency of enrollment and the need to enroll immediately, ( b ) false claims about historical success in finding jobs in my field of study, ( c ) false claims regarding earnings statistics of graduates, ( d ) false claims about employment assistance the school provides, ( e ) false claims about the quality of the educational programs, ( f ) false claims about the transferability of credits, ( g ) false claims about the cost of a degree, ( h ) false claims about the value of a degree from XXXX, and ( i ) predatory and high-pressure sales tactics. Navient has sent several delinquency notices to me regarding the payments on the debt. I advised Navient that the debt is a DISPUTED DEBT and further warned Navient that if they were to report any delinquency to credit reporting agencies, that the Fair Debt Collection Practices Act requires that Navient notify the credit agency that the debt is a DISPUTED DEBT. Navient reported the delinquency to all three major credit reporting agencies ( thus affecting my credit rating to my detriment ) WITHOUT the required notice that the debt is a DISPUTED DEBT. This is a violation of Federal Law.
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

My attorney and I have been trying to get a payoff amount for my mortgage since XXXX XXXX, 2016 and can not get Santander Bank to give us one. I am about to lose the sale of this house due to their incompetence and I need some help from you to obtain the numbers I need.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

There is hard inquiry on XXXX/XXXX/2016 labeled XXXX XXXX that again I believe was a ID theft potential. I have a XXXX contract for 2 years so there is no reason for me to have every tried to us XXXX. I did talk to XXXX and they agreed it was not me. 

Please have it removed as soon as possible.
Consumer complaint received 2015-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

The loan on my home was being serviced by Litton Loan Servicing. I got behind on the loan because of health issues. My friend and associate loaned me money to bring the loan current and she was given an ownership interest in the property. She was given full Power of Attorney to get any information on the loan and to act on my behalf. The insurance policy on the property was changed. The premium for both the old policy and the new policy was taken out of the escrow account. An insurance premium of {$1600.00} was refunded to me. I was told to send the endorsed check back to Litton Loans and my escrow account would get the credit. The credit was never given. It was discovered that we had not received credit for several other payments. While we were in discussion with Litton Loan Servicing about the missing funds, we got notice the loan servicing was being transferred to Ocwen Loan Servicing. We were told by Litton Loans to take up the missing funds issue with Ocwen Loans. When Ocwen got the loan, the name on the loan changed as well as the payment and other charges. We still made every payment but four payments got lost in the servicing transfer. Ocwen Loans would not talk to us as the name on all the loan documents was now different and we could not provide identification in that name. It did not help that we were having very serious problems and the call center was overseas. They could not address the missing funds issue.Ocwen Loan Servicing started a foreclosure. The missing funds were never located or accounted for. The loan documents were in one name and the foreclosure was started in my proper name. The issue could not be resolved. We had to hire an attorney to represent us. The judge listened to all the issues in the foreclosure hearing and denied the Motion For Order Authorizing Sale. He agreed the accounting was problematic. The issue still has not be resolved. Ocwen Loans still wo n't talk to us and there is cloud on the title created by the name change on the loan documents. We can not afford another attorney. Massive fees are accumulating and a new foreclosure has been started. We desperately need someone to look into this situation and help us get an accurate loan balance and a clear title if the loan is paid off.
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (PA)

We attempted to refinance our existing mortgage with US Bank. The refinanced mortgage was denied due to me being self-employed for less than two years. The denial for the mortgage is not my complaint. US Bank did respond to me and explained that it was due to human error that my loan application was accepted. My complaint is that they knew I was self-employed for only one year in the first discussion ( which was recorded ). They then collected numerous sensitive financial documents from my wife and I that they should have never requested or reviewed ( since I was not eligible for a loan with them ). These documents include numerous bank account statements ( not from US Bank ), brokerage account statements ( not from US Bank ), and two years of tax returns. Included in the documents that they asked us to sign was permission to share information within US Bank and to contact us with solicitations. My complaint is that they will not delete my sensitive financial information that was collected under the false pretense that I might be eligible for a refinance with them. None of the sensitive documents were the basis of the denial for the loan. They had the information that I was employed for less than two years on day one and in the initial documents signed disclosing the fees. I do not think that they should keep my financial information on file that they justified collecting due to " human error ''. Note that they continued to request documents over approximately 7 weeks with numerous people looking at the information ; all when they had the information on the first day that the answer had to be " no ''.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TN)

I am filing this compliant because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past 30 day mark and ca n't 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 manner as soon as you can. Thanks
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Village Capital & Investment LLC (CA)

XXXX sold my mortgage to Village Capital without my knowledge or permission. I asked them to provide their profit to see if I was getting equity under my contract. They refused, and now XXXX and XXXXillage Capital are trying to collect on the debt. Attached are the laws and regulations that caused the companies to commit Fraud/FCRA Violations that could be interpreted as Human trafficking. 

Please see the referenced FCRA and Regulation V XXXX XXXX Final Rule : Consumer Reporting Agency Violations/ 1022.142 ( a ) ; 1022.142 ( b ) ( 3 ) Consumer Reports Violations/ 1022.142 ( a ) ; 1022.142 ( b ) ( 2 ) Victim of Trafficking defined/ 1002.142 ( b ) 4-5 ; 1022.142 ( b ) ( 7 ) I also requested that their fraud be disputed with these regulations. : CONSUMER PROTECTION LAWS Equal Credit Opportunity Act / Truth in Lending Act Regulation Z Fair Credit Reporting Act / 15 USC 1611 False & Inaccurate information Fair Debt Collections Practice Act / 15 USC 1692 Debt collection practices CFPB 1026.23 Right of Rescission ( cancellation )
Consumer complaint received 2021-06-04
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: JPMORGAN CHASE & CO. (NY)

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
Consumer complaint received 2017-05-23
Product: Vehicle loan or lease — Loan
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: WELLS FARGO & COMPANY (VA)

Wells Fargo Dealer Services "  confirms that the retail installment contract/loan number  XXXX  was paid in full or was satisfied on  XXXX / XXXX / 2017 . '' After 69 days I am still waiting for my refund of {$640.00}.      WFDS sa id it issued payment at the end of  XXXX  - but I never received payment. Thereafter WFDS claims that I have to file a notarized affidavit ( at my own expense ) with them to receive my refund. Why is the burden put on me to receive the refund of my money?     References : WFDS : C ase 1 -   XXXX   Case 2 -   XXXX  CFPB : Complain t 1 -   XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last 4 of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am requesting the immediate unfreezing of my credit file. 

My name is XXXX XXXX My current address iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The last of digits of my Social Number is XXXX My date of birth is on XX/XX/XXXX I have enclosed photocopies of a government-issued identity card AND proof of residence as a utility bill or phone bill. 
Attached is the required documentation. 

I acknowledge the terms and conditions of the Bureau and we agree to abide by the same including any amendments in the future as may be done at your end.

I am looking forward to your cooperation regarding this matter and updating the same intimate upon change. 


Yours truly, XXXX XXXX
Consumer complaint received 2024-03-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient Private loans I called Navient today to notify them of my XXXX XXXX enrollment in college and the agent told me that I was required to be enrolled more than half time and would not clarify the number of units needed for more than half time for deferment. This agent did not verify my status for eligibility for in school deferment and demanded payment of student loan. 
I called Navient again and spoke with a different agent and it was verified that I do qualify for in school deferment if enrollment is half time. As a consumer I have the right to be treated fairly and should be given accurate information about my student loans.
Consumer complaint received 2017-02-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NE)

I have tried to work with Navient to reduce my payments so they are affordable with my Federal Loan payments. Currently I am paying {$600.00} combined for these loans and no one is willing to assist me with making this payment affordable. I recently had to file for bankruptcy due to my high student loan debt. I am currently paying a variable interest rate of 8.25 % on nearly a {$30000.00} loan with Navient and they are unwilling to work with locking in a reasonable interest rate.
Consumer complaint received 2015-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (TX)

National Credit Systems continues to re-report a debt after I have disputed it and won twice. The credit bureaus have deleted them from my credit, but this agency comes back and re reports it. They hold a debt from a Judgement. XXXX XXXX Court was unable to validate or substantiate the judgment as the file was incomplete and had inaccurate information. They have deleted this from XXXX and XXXX. If the court can not even validate this debt, certainly this collection agency can not either. So they should not be able to continue to report this on my credit and must delete it. I have asked verbally and in writing 3 times for them to send me what they have in order to validate this debt. They have yet to send me anything in the mail and when I call, they leave me on hold. At this time, while writing this, I have been waiting on hold to speak with someone fore XXXX36 mins and counting ... 
Please hold the agency accountable. They are unlawfully reporting to my credit and my next step is to sue.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed : {$600.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$790.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$600.00}
Consumer complaint received 2022-09-06
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. (NC)

I genuinely appreciate the time and effort exerted by Experian and XXXX Credit Bureaus to remove a portion of the disputed accounts from reporting on my Credit Report. But I believe that there are still fraudulent accounts and information being reported on my Credit report. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that the consumer identifies as a result of the identity theft. I am now submitting this CFPB complaint to request the Credit Bureaus to please conduct another Investigation and remove the remaining disputed fraudulent accounts that are still being reported on my Credit File. I need the remaining fraud account be removed completely from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX 1920 XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$180.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX NC ) XXXX Balance : {$340.00} MXXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00}
Consumer complaint received 2015-05-05
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Professional Recovery Management (FL)

On XXXX XXXX, I contacted this collection agency to request that they change a comment on my credit report. Long story short, there are XXXX medical collection accounts that are reporting to my credit reports by this Fox Collection Company that were showing in dispute ( because I was n't sure what they are so I asked the bureaus to investigate ). Anyway, I called because I know what they are now, and I do not want the dispute to continue. I requested that the dispute comments or codes be removed from my credit items so they are no longer showing in dispute. Fox Collections requested that I send an email so they have something in writing from me showing I am no longer disputing the accounts and to remove the dispute language ( I have this email as proofs FYI ). Fast forward to approx XXXX XXXX - I applied for a mortgage loan and was denied because Fox Collections had n't removed the dispute language from my credit report. I called Fox Collections and was told that yes, they WOULD remove the language/codes but it would n't be reported correctly until XXXX XXXX. XXXX XXXX ... re-applied for mortgage - dispute language/comments/codes still on credit report. I proceeded to call FOX Collections AGAIN- they were very rude - claimed now that they did n't say they would remove the dispute language OR that they received my email requesting the accounts to no longer be in dispute ( again, i have proof I sent this email on XXXX XXXX ) and they said it was my fault ANYWAY because I did n't pay my bills. 
This is unbecoming of any company let alone a collection agency. I also know my rights under the FCRA and FDCPA. They can not misreport information to my credit report. I have easy to follow trail requesting that these XXXX accounts are NOT showing in dispute. I as the consumer have the right to request an investigation and the right to decide not to dispute accounts any longer. They are misreporting that my accounts are still in dispute to PURPOSEFULLY and WILLFULLY DAMAGE my reputation and hold me back from qualifying for a mortgage loan. When I told them this, I was placed on hold for about XXXX mins ... and then call was disconnected. Now they wo n't return my phone calls.