davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SecurityNational Mortgage Company (TX)

Applied for Home loan in the early part of XXXX, got pre-approved. Was told to find a house and submit a contract, we were good to go. Found a home and securing contract on XXXX XXXX, so by this time they had all our paperwork for at least six weeks. Had 21 day contingency on Financing, asked the lender on day XXXX if we have loan for sure, We were told yes we were fine, not to back out-it was closing, otherwise we would back out. So then went through and had inspection {$450.00} then {$1000.00} earnest, then appraisal {$520.00}, {$100.00} option money. Then the week of closing she tells us we needed an extension because an FHA form ( which is usually signed by XXXX parties at title ) was not signed by XXXX parties and the end of the month held us up. We had to postponed closing for 1 more week. Then 2 days before the second closing date she still needed a document from the IRS. She told us to repeatedly call the IRS until we found someone who would fax this document which usually has to be ordered, with a XXXX21 day turn around per the IRS. Three days before closing we were denied and out {$2000.00} and hopefully no breach of contract from seller, as of now.
Consumer complaint received 2016-10-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

Mislead into unrealistic payment/payback plans and high interest rate through XXXX XXXX XXXX also known as Navient. Also being constantly harassed by phone while being asked to meet unrealistic payments. Was even asked to take money out of 401k plan to make loan payments ... which I do n't even have.
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Velocity Portfolio Group (NJ)

Velocity Investments contacted my spouse after finding his number through alternative sources. They would leave messages on both of our phones like 'Good afternoon. My name is 'collector ' and I am contacting you in attempt to confirm location information for 'my name '. '' On several occasions 'collector ' spoke to my spouse. One time I spoke with on my partners phone with my partner in the room, not hiding anything from him, but not giving her permission to speak to him. On Monday, XX/XX/XXXX, 'collector ' spoke confirming I have a debt with their agency, who the debt was with originally and that I had not set up payment arrangements. Even after being asked to not discuss anything with him, she kept calling him at all times of the day and night. I spoke today with the company and I demanded they remove his number from their system. I also was told that it is ok for them to talk about your account information with spouse and family members. I asked for information on their company 's policy and I was told I would have to talk to a supervisor who conveniently was in a meeting. I am not a happy person right now.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please see the attached document. This is is not a duplicate. 

I have several disputes that point to XXXX XXXX XXXX. 

Please see attached document for several disputes included in one report as attached where the company XXXX XXXX XXXX has reported inaccurate data, or missing data, and malicious data. 

The complete complaint is in the attached document. 

XXXX XXXX XXXX is also reporting this collection as a regular tradeline account and they have failed to report this collection as a medical bill.
Consumer complaint received 2016-09-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/XXXX, I reached out to BOA due to an inability to pay our mortgage due to my husband and I both being out of work. I have attached a time line of all of my interactions with BOA over the summer as I worked with them to get assistance with a loan modification. Basically, I have complied with every request when I received it. Their communication with me was not accurate, I had to deal with a different person every time. The website was not useful. XX/XX/XXXX I received letters saying my information was under review and a letter saying my loan was being transferred to another bank. When I called to check on it on XX/XX/XXXX, I was told the review had been completed on XX/XX/2016 and I was apologized to for not having been notified, but there were things I needed to fix. They were now asking for things like signatures that they had not requested previously. I asked to speak to a manager, was transferred to voice mail and I never received a follow up call or any other communication from BOA. 

We are actively seeking employment ( and have been for sometime ). I have XXXX interviews this week. We just need assistance with keeping our home. We have lived here for 23 years and certainly do n't want to lose it. We just have hit a patch of bad luck.
Consumer complaint received 2016-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been trying to get BANK OF AMERICA as Successor by merger To LaSalle Bank certificate holders of XXXXBack Certificates Series XXXX XXXX Bank to honor this agreement with your office. I am writing this letter because I have fought and fought to save family and myself, from becoming homeless. Bank of America created a fraudulent assignment from XXXX XXXX XXXX who filed for bankruptcy before the assignment was created. Bank of America and its attorneys have refused to offer me an affordable modification under HAMP. Bank of America has refuse to discharged the debt and is still moving to remove me and my family out of the property. The state court has ignored my pleas in Illinois circuit court case XXXX. The Illinois appellate court case number XXXX XXXX have not ruled. I have went as far to seek relief in the United States Bankruptcy XXXX XXXX of Illinois Case number XXXX Bank of America has fail to comply with the law. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller.
Consumer complaint received 2015-05-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First National Collection Bureau, Inc. (SC)

First National Collection Bureau Inc. is attempting to collect a debt that is not only a result of identity theft but is as we know junk debt that has been re-aged from 2004. I take my credit very seriously and anyone who violates my consumer rights and protection. This debt can not be validated per the FDCPA or the FCRA for identity theft victims. I 'm tired of the harassment rather it be calls or letters. Attached is the original copy of my police report and the letter I received from First National Collection Bureau.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (VA)

I attempted to logon to Experian to obtain access to my credit report. I need a credit report number to file a dispute and the service I use through XXXX does not give me a credit report number. When I attempt to login to the site, to purchase a copy of my credit bureau, it gives me an error. I contacted Experian ( as per their website instructions ) and I was told due to an internal error they were unable to reset my password and I could not access my report. They then suggested I call XXXX to see if they could help. I advised them their internal computer error was not my issue and that I needed a copy of the report. They refused to assist me. I spoke with a supervisor named " XXXX '' in the Texas office - ID XXXX who refused to transfer me to a manager and told me she had no information on any regulatory agency governing the bureau. I would like to be sent a copy of my credit report so that I may dispute an item that has been reported to me through a 3rd party ( XXXX ).
Consumer complaint received 2024-05-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (TN)

XX/XX/XXXX I inquired about changing my payment date due to it conflicting with my rent. 
I was told this is not possible so I incurred a {$40.00} dollar late fee. I paid what extra I could in XX/XX/XXXX I paid an extra {$10.00} which is what I could afford then in XXXX I paid an additional {$34.00} but each month they added another late fee to the late fee and this has continued since. My minimum payment has gone from {$66.00} to {$280.00}. I don't mind paying interest on a late fee but I feel it's a bit much adding a late fee to a late fee. I will never be able to catch up on my payments if this continues. I originally complained to the XXXX because I had tried and was unable to get a copy of my loan agreement since I made the purchase at XXXX XXXX and they turned it over to TD Retail and neither could produce the paperwork until I made the complaint. I did receive my paperwork but in retaliation they are now hitting my credit report which had not been happening since the loan began in XX/XX/XXXX. I just want to be able to pay my debt and any interest on the late fee but I feel their business practices are unethical, heartless with no concern for the hardships we are all feeling now. Just for the record TD Retail is a collection agency not a finance company and XXXX should let the buyer know when they finance with TD they are in essence going directly to collections. Thanks
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # : XXXX, XXXX XXXX ( XXXX ) -Account # : XXXX, XXXX XXXX XXXX XXXX-Account XXXX XXXX XXXX, XXXX XXXX XXXX-Account # : XXXX XXXX XXXX XXXX XXXX-Account # : XXXX, XXXX XXXX XXXX XXXX-Account # : XXXX, XXXX XXXXAccount # XXXX XXXX, XXXXXXXX XXXX-Account # : XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. STATES I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also STATES a consumer reporting agency CAN NOT furnish an account without my written instructions.
Consumer complaint received 2015-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Convergent Resources, Inc. (CA)

A collection agency put information on my credit report for a bill that I had for a XXXX cell phone XX/XX/XXXX. This was included in my bankruptcy back that I filed XX/XX/XXXX and it clearly lists XXXX and another collection agency that was trying to collect the debt at the time. This has brought my credit score down by XXXX points for old information. I have attached all of the information that is needed for review but if anything else is needed pleae let me know as I am in the process of trying to rebuild my credit. I am also considering taking the collection agency to small claims court as researching this was time consuming and cause credit to be declined.
Consumer complaint received 2024-01-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC. (CA)

XXXX XX/XX/2023 I applied for a car loan at XXXX XXXX of XXXX XXXX I have sent EXETER FINANCE LLC a letter with no response from them as well as no remedy. I gave them an asset backed security that is being traded on the primary and secondary market for the next 33 years with my signature as the collateral used, which according to their forms filed with the SEC and multiple prospectus an open ended unlimited credit should be granted and I shall not be denied. Since they have failed to comply I have been injured, humiliated, suffered emotional damage, pain and suffering and XXXX. Please help rectify this situation. Pursuant to their XXXX and prospectus reports my application has been securitized and traded to third parties and used as collateral. Yet I was denied a line of credit.15 U.S.Code 1691 it shall be unlawful for any creditor to discriminate against any applicant with the respect to any aspect of a credit transaction. I need to be compensated for my time and all violations and injuries.15 U.S.C . 1681n Civil liability for willful noncompliance : states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( 1 ) I was not able to receive vehicle ( 2 ) they added a derogatory mark to my credit dropping the score ( 3 ) They are making money off of a collateral backed security which I am receiving no proceeds or pleasure ( 4 ) I was humiliated twice, Once as I sat across the table from my long-time college friend having to catch an XXXX back home, And again as I got home and my oldest son ask me : What happened to the new car? I thought you were buying a car XXXX. ( 5 ) To go to the SEC website and read the promises they made about not selling on the secondary market and how they would uphold investor and consumers rights 15 U.S. Code 1681 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer a result of the failure or {$1000.00}, whichever is greater ; Unless credit be granted with all violations included you will pay the sum of XXXX XXXX XXXX  dollars in check form to XXXX XXXX ( Principal ) IF YOU FAIL TO COMPLY I WILL BE FORCED TO CONTACT THE FTC & SEC AND FILE AN OFFICIAL REPORT OF SECURITIES FRAUD AGAINST YOUR COMPANY & SUBSIDIARIES. 
ALL RIGHTS RESERVED DONE IN GOOD FAITH.
Consumer complaint received 2023-03-22
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. (NY)

I'm a victim of identity theft, it's been a frustrating situation for me for over 10yrs. I periodically monitored my credit and disputed inaccurate items as they appear, most were corrected but ONE! XXXX  XXXX XXXX insists I opened a account for a credit card XX/XX/XXXX in a state I never resided in. In XXXX I tried multiple times disputing this fraudulent item to no prevail, It's currently reporting negatively on my credit report as charge off for {$1500.00} I sent a copy of the original police report about the identity theft, the info I filed with the social security association and the report I had on file with the IRS and they insist the account was valid.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

IM HAVING ISSUES WITH MY CREDIT REPORTS AND I HAVE CALLED XXXX XXXX OVER THE PAST COUPLE OF MONTHS REGARDING THE ACCOUNTS THEY ARE REPORTING ON MY CREDIT REPORT AND WAS TOLD RECENTLY THEY ARE STILL WORKING ON IT AND ITS BEEN OVER THE 90 DAY PERIOD I WAS ORIGINALLY TOLD. ALSO WAS TOLD THAT THE TECHNICAL SUPPORT DEPARTMENT WASXXXX XXXX  WAS SUPPOSE TO CLEAR MY RECORD IN THERE SYSTEMS AND STILL I GET THIS MESSAGE WHEN I DO PRE APPROVALS WITH THEM. I ATTACHED THAT WITH THIS COMPLAINT ALONG WITH MY CREDIT REPORT. XXXX  ALSO SAID THEY WOULD GET BACK WITH ME ON THE FRAUDLENT INQUIRES AND NEVER DID WHICH IS OVER A XXXX.
Consumer complaint received 2017-02-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I took out a loan for {$550.00} on the premise that I would simply be paying that amount, plus a small amount of interest and fees. Instead, since I could n't pay the requested amount, I 'm being charged the ridiculous amount of {$120.00} plus the original fees for an extension resulting in the loan being over {$800.00} making it impossible to pay back.
Consumer complaint received 2015-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (CA)

XXXX is billing me for service at a home that never had XXXX service in it 's history. When calling XXXX XXXX, they do not know what I 'm talking about as they have no information for service at this address, yet they have notified the credit bureaus as an unpaid debt. 

Bottom Line - XXXX can bill every address in country and make everyone pay {$200.00} just to get it removed from their credit reports and they make the dispute process extremely difficult
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On or about XXXX XXXX, 2017, I paid, via check, {$6600.00}, as payment in full, to Bank of America via personal check drawn from XXXX XXXX XXXX XXXX. The check was deposited upon receipt and the funds were withdrawn from my account. Despite this payment, Bank of America refuses to credit my account. Instead, Bank of America assessed a late fee, sent a threatening letter, and provided misleading information to the credit bureaus re : my account.
Consumer complaint received 2020-09-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received the response from Capital One and it seems I was not clear enough, and that has caused confusion. That is my mistake and I will be more detailed this time. I did not mean to suggest that my original Capital One account was the one opened fraudulently. My original account ( opened 2012 ) was compromised. After someone gained access to the account, they changed the address for statements to an address in XXXX XXXX. They then obtained an additional card and began making fraudulent charges on my account. That is the information I am disputing. The charges that were made AFTER the billing address was changed and a new card was obtained. My only issue with the initial response is that Capital One states I never disputed ownership of the account. While I never explicitly said this account is not mine I absolutely disputed the validity of the account after it had become clear there was fraudulent activity. Again, to summarize, I am not saying I never opened this account. I am saying that it was compromised, and I should not be held responsible for fraudulent charges.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Hello I bank with Chase Bank and theyve locked my account with over {$5000.00} dollars in cash in there and they are tell me that I cant bank with them anymore and they wont give back the cash I had in there! I deposited a check that I would usually deposit in my other bank account but I decided to cash it in this XXXX and because the name of it was wrong they decided to lock my account and keep my own cash and they are saying well keep the money for XXXX years then surrender it to the government this is not acceptable they have no right to my hard earned money and I am not required to go through such a time wasting experience, I will no longer deal with this but I still want my money dont ask me questions and dont give me papers to sign please just get this done with XXXX XXXX XXXX XXXX I cant put time into this but this is money thats gon na get me through college so please just help me with this! After all this is MY money, thank you.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

In XXXX, I tried mail payments for the months of XXXX XXXX and XXXX and XX/XX/XXXX. I was forced to center in place with XXXX  restrictions and also had XXXX I would like these to be removed and have already asked the lender, receiving limited response. Thank you
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

My business banking acount with bank of america was locked on XX/XX/year> for suspected fraud because I ran payroll using XXXX  and changed the verification phone number. I have spent XXXX hours on the phone with customer service agents, sales, fraud deparrment and others trying to regain access to the account. The only " solution '' offered is to walk into a branch. I live in XXXX and there are no branches here. I need access to my accounts restored and restrictions removed. This is drastically negatively impacting my business.
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX Finance charge for overdraft charged by the bank {$.00} when there was no overdraft to charge for. 

XXXX XXXX, I called bank and was transferred twice until same agent who could not be understood well, came back on phone to say call another time. I was refused help by the bank and this has become the normal response for this bank. 

There has been no explanation of the fee. The bank should not be allowed to rob people of any amount of money.
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I received a credit report from Equifax dated XX/XX/2019. The report contained incorrect personal information and two fraudulent accounts. I opened a dispute on XX/XX/XXXX. On XX/XX/XXXX, Equifax confirmed that they had removed all of the incorrect personal information from my report. 

Then, on XX/XX/XXXX, Equifax informed me that one of the fraudulent accounts was no longer on my report and claimed the other ( an account with XXXX XXXX Delaware ) was not fraudulent. This XXXX XXXX Delaware is indeed fraudulent, though. In fact, the two other credit bureausXXXX   and XXXXhave removed this account from my reports at earlier dates. Equifax must do a better job researching and resolving disputes. Their current process is not thorough or helpful.