davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For over a year, Bank of America has responded to our home loan modification request due to financial hardship with repeated requests for financial documentation that we have already sent them. This is a fraudulent tactic described in the Quarterly Report to Congress of XXXX XXXX, 2015 from the Office of the Inspector General for TARP, naming Bank of America specifically. We conclude that Bank of America has never intended to modify our 7.25 % interest rate to one closer to current market rates and has acted in bad faith.
Consumer complaint received 2019-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-09-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

I have an FHA loan that was being serviced by Greentree servicing. Greentree servicing has since changed to Ditech. Neither company paid the XXXX/XXXX/2015 tax payment that was due. I called on XXXX XXXX, after receiving a delinquent tax notice. I then faxed the notice and the original tax bill to Ditech. As of XXXX/XXXX/2015, the tax is still delinquent, and interest is accruing on the account.
Consumer complaint received 2016-10-13
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Lending Club Corp (NJ)

I applied for a personal loan through Lending Club and received an email stating I was not approved on the XXXX XXXX XXXX. On XXXX XXXX I noticed that my XXXX XXXX XXXX XXXX account had an additional XXXX. I checked my email again, and on the same day Lending Club approved my loan. I called them immediately and informed them that I did not want the loan and was informed that I had to pay it back and the interest which included a XXXX fee. If you would look at the document, the email states pre-approved to not approved on the same day. After, the denial I assumed the loan process was invalid yet, the deposited the money into my account.
Consumer complaint received 2017-02-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Receivables Performance Management, LLC (GA)

Constantly calls my employer on a critical cell phone line used only for XXXX, even after they were told my employer does not accept calls like this. They still keep calling and will not stop when told not to call my employer. 

The cell number they call is for critical situations only for XXXX.
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

I am an Identity Theft Victim. My original FTC document was XXXX to CFPB on XXXX XXXX, XXXX. My personal information ( SSN, Birthday, Address, Driver License #, Phone # ) were stolen after I opened a phone number on XXXX XXXX, XXXX at XXXX Store XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Sale person # XXXX The Criminal used my identity 1 ) Changed my address on file at Credit Card company, fraudulently charged more than {$36000.00}. ( XXXX XXXX {$12000.00}, XXXX {$4000.00}, HomeDepot {$7400.00}, {$1200.00}, {$1400.00}, CitiCard {$2000.00}, Macy {$1500.00}, XXXX {$1800.00}, XXXX {$4400.00} ). Repeatedly asking for Credit Card replacement or new card after I closed the previous ones. 
2 ) Stole my phone number twice and pretended to be me for Credit Card Call Back Verification. They also opened several lines with XXXX and charged equipment. 
3 ) Showed up at my address twice, first time waited for XXXX delivery to retrieve XXXX Card that I did not request and the second time stalked at my place, either waiting for US Mail delivery or tried to break into my now locked mail box.
Consumer complaint received 2016-08-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

I have been trying for a while to validate an item that they are wrongfully reporting on my credit history. I have been very clear about the information I need but have n't received the information I requested. I do not have a contract with them nor the creditor.
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (AZ)

Citibank was deceitful in the way it double charged me late fees without giving me any notice that there was a balance to pay.. 
I went to Best Buy to pay my bill. I paid the balance. A month later I got a call from Citibank about my credit card bill. Owed {$52.00} and change. I called to see who had used my card since I had n't bought anything after paying off my balance. 
They said XXXX $ for being late. And that I had n't paid the late fee so there was an additional late fee. Plus interest. I said I paid the balance at the store. If there was a fee, why was n't I told then. Or later? 
Eventually they removed XXXX late fee. I went to Best Buy and they tried by phone to get Citibank to refund the other late fee. Citibank would n't help. I said, ok then. I 'm paying this fee right now at the store, after which I want my card cancelled. 
They cancelled the card within XXXX seconds while we were still on the phone and before the store associate could process the payment. They ca n't process payment on a closed account. Catch 22. They may charge me more interest! What? The store associate was appalled. Me too. 
Not only was this deceitful, mean, and unnecessary, it ought to be illegal. 
I 'm filing complaints for their deceitful practice of charging me WITHOUT notification, charging me again on the first wrongful charge, and canceling my account so that the store could n't accept my payment.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I notice inaccurate information reported by Experian regarding a Charge Off account XXXX # XXXX. This account was charged off in XXXX. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$2500.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due  Amount {$2500.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported  consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2017-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On   XXXX   XXXX   @  XXXX , I went to the Santander Bank located at   XXXX   XXXX   XXXX   XXXX   XXXX  , Massachusetts. I went to the drive up window to DEPOSIT my Federal tax refund check to my checking account. About 2 minutes went by and the teller stated she could not cash my check since the check had my name and my wife name on it, I replied "I DONT WANT TO CASH IT< I WANT TO DEPOSIT IT". She stepped away and the manager came to the window and she also stated "WE CAN NOT CASH THE CHECK WITH OUT MY WIFE". I replied I DONT WANT TO CASH IT I WANT TO DEPOSIT IT. She said it did not matter she had to be present or have her name on the account. At this point I was very frustrated and asked for the check back and told her I have done these transactions before with no issues, Also what if my wife was disable and I could not get her to show up just to show ID or what ever she was looking for, Or I would just use the ATM? I got no answer from her so I asked for her business card and told her Im going to contact her upper management about this matter. I drove away and contacted Santander Bank and waited on hold for 45 minutes before hanging up the call since I could not wait any longer. I looked up there policy on depositing checks and it states as long as the check is endorsed it will be deposited with a hold on the funds until the check clears, Which I am fully aware of that policy, But to drag my wife to the bank to DEPOSIT a check  ? I could have deposited the check at the ATM or with the mobile App, But went to the window and got nothing but bad service which the bank promised in there adds and other media sites along with there mailers I receive once a week. The bank needs to look into this matter as I will not hesitate closing my account and taking my business else were, were tellers and bank managers are better educated on there policy in servicing customers. This matter has stoped me from using this bank for services pending the out come of this matter.
Consumer complaint received 2022-09-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. My student loans have been transferred to the Department of Education. Isn't it true legislation passed during the pandemic requires XXXX to remove all late payments from my credit report?
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 — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX as of XXXX XX/XX/22 Status and remark is reporting REPOSSESSION! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS FROM MY CREDIT REPORT!!
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX as of XXXX XX/XX/22 Status and remark is reporting XXXX! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS FROM MY CREDIT REPORT!!
Consumer complaint received 2019-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC (NC)

ability recovery services had put a collection back on my credit report and it has been discharged in the bankrucpty court and I call to find out about it and ask them can they update my account and they told me that I had to contact XXXX and dispute it and they hung up on me like i wasn't still asking the agents question about what all i had to do
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Pennymac loan services consistently misapplies my payments leading to calls from debt collectors who have told me on multiple occasions not to change my payment frequency ( twice monthly ). I pay a little over half of my payment twice a month to align with my regular paycheck. They continually misapply the payment and then hound me. They are the worst mortgage company I have ever had.
Consumer complaint received 2019-02-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NV)

I opened a Savings account in XX/XX/XXXX in preparation for a large purchase. After making the purchase I was planning on keeping the account. The account I was signed up for had a requirement for a minimum balance of {$3500.00}. I was not made aware of this until after the purchase in XX/XX/XXXX when I had found that my account was hit with a couple months worth of maintenance fees. After calling I learned I was signed up for a savings that needed that high of a limit on. I had {$500.00} in the account and was planning on rebuilding it after the purchase. When calling to reconcile I was transferred to the bank 's sales department first and told nothing could be done about the fee. After pushing back I was told I could only be credited back 25 % of the fee.
Consumer complaint received 2015-11-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NY)

I would like to cancel my card. After calling the number on the back of my card and being put to hold for an hour and a half to speak to a representative, I hung up. Thinking I 'd reach a representative faster if I called back using the " international collect '' number, I rang again. Finally, I reached a customer service representative. He asked the reason for my call. I said to cancel. He put me on a " brief '' hold that turned into another half hour. He never came back to the call, and my card is still active. I do not want to deal with these people ever, ever, ever again. CFPB, please help. I would n't wish this experience on my worst enemy.
Consumer complaint received 2022-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

Requested a Verification of Debt from Midland Credit Management As of today, has not provided the requested information. 

MCM has not provided or responded to my request of verifying the information. 

Reached out to Midland Credit Management did not respond to my request at all. 

( See attached A ) Certified return receipt to MCM ( See attached B ) Copies of letter dated XX/XX/22 to MCM MCM is reporting non-verified information to all the credit reporting agencies and have not provide proof of ownership that this debt belongs to me.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

IVE TO PAY MY CAR NOT AND THEY'VE THE AUDACITY TO LOCK MY ACCOUNT AS A CONSUMER YALL Dont HAVE NO RIGHT TO CLOSE ANYTHING OF MINE. 15 USC 1681. YALL ARE REALLY XXXX ME OFF BECAUSE IVE STUFF IVE TO PAY. WHAT IS SUSPICIOUS LIKE HOW ARE YALL GON NA DICTATE MY ACCOUNT. YALL NOT FOLLOWING NO FEDERAL LAWS AT ALL.
Consumer complaint received 2024-03-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Vermont Student Assistance Corporation (NY)

I graduated from the University of XXXXXXXX in XXXX. Like many XXXX and XXXX XXXX XXXX, I was naive and really did not know how much college was going to cost or how I was going to pay it back. I thought higher education couldnt be a bad investment. My mother, who did have any money to contribute to my tuition, did a lot of the paperwork. Including the FASFA, which determines my aid eligibility on her and my fathers income. They were not well off but also didnt give me a XXXX for or during my XXXX years of attendance. The last 15 years have been trying to figure out how to pay off XXXX in student loan debt while trying to establish myself as an adult. That burden has been awful. My private loans are with XXXX and public with XXXX. My last payment to XXXX was for the full amount of {$570.00}. Of that amount, {$.00} was applied to the principal. Of the 6 different group loan types, one has an interest rate of 11.08 %. I have XXXX payments, XXXX years, remaining to pay off this debt. 

My degree is in XXXX XXXX. I thought I would go to law school, but understandably, did not think the debt was worth the degree. My first degree was not worth the investment. I cant return my degree. Ive tried. 

In order to pay my normal bills with little discretionary income left, I can not afford my college loans. I wouldnt have gone to college if I knew the payments would be this high. But I didnt know. How is this legal? Why can financial institutions take advantage of children like this when they believe they think they are doing something positive for their futures? This is wrong and insidious. I made the choice to go to school when I was XXXX XXXX XXXX. Now Im being charged 11 % on variable rate loan when Im one month away from being XXXX. My only option is to default. Deferment or forbearance options are depleted. Im tired and just want to raise my XXXX XXXX year old son.
Consumer complaint received 2017-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (VA)

Navient contacted me on one occasion and when I answered the phone, they asked for " XXXX XXXX. '' When I said they had they wrong no., the individual said you do n't know XXXX XXXX at which time I hung up. They have also left voicemail messages for someone ( who they named ) who does n't live with me, saying they are calling with reference to their student loan and want to discuss ways to lower their current monthly payments. They left return phone numbers.
Consumer complaint received 2015-05-08
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A. (VA)

I have a secured loan through One Main Financial located in XXXX, VA. I was laid off from my last employer on XXXX/XXXX/2015 with no notice. I had purchased the payment insurance on the loan in case a layoff affected my work. Along with my monthly payments, I was making payments on the insurance. After losing my job and contacting One Main Financial, I was told that I had to complete a series of forms ( one of which went to my previous employer which they did not return ). This has held up the process and One Main still expects me to make payments. This is a secured loan, they are threatening to take my vehicle which is my primary mode of transportation to work. I took the insurance originally as it sounded so simple, " you get laid off, the insurance makes your payments ''. Nothing could be further from the truth. I am now 3 months behind in payments, they are threatening to take my vehicle and the insurance still has not settled. I do not understand how they can expect me to continue to make payments when I am out of work and I did purchase the insurance to cover this type of occurrence. I have received 4 to 5 calls per day, my relatives have been called ( this is none of their concern ), and I have continued to receive threatening letters stating that my vehicle will be taken away.
Consumer complaint received 2015-04-28
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION (TX)

Received a payday loan back in XX/XX/XXXX. I tried to contact the lender ( Check n go ) to pay off loan. To no avail they did n't have any information that I took out a loan. I got a call on my job XXXX from A person name XXXX XXXX contacted my job threating me that I would be arrested. I call hiim back and he couldnt tell me what online Payday loan I had taken out, but had all of my personal information. He is harrassing me. His number is XXXX. I wanted to set up payments but he transferred me to XXXX XXXX XXXX who still could not tell me who I was paying. I didnt give him payments because he could n't tell me what company my loan was with. I 'm not giving out my bank card to just anyone. Please help stop them from contacting my job.
Consumer complaint received 2022-02-15
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. (CA)

This is a followup regarding inaccurate reporting on my consumer file. Laws where broken and they are outlined in the attached files. Still waiting to hear back regarding the results of this. 

XXXX : XXXX