davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (OR)

I took out a mortgage from XXXX XXXX in XXXX. I had a loan modification with XXXX XXXX in XXXX, XXXX. At that time I received a modification agreement from XXXX XXXX with dates that my interest rate would change. The documents states that all other parts of my mortgage would remain the same. I have a PMI schedule from my original loan that states that when my loan reaches a balance of {$220000.00} that my PMI payment would reduce from {$210.00} per month to {$43.00} per month. Shell point mortgage refuses to lower my PMI to this amount. When I have repeatedly requested this, they sent me a document that I have never seen, showing an effective date of XXXX that states my PMI payment is {$210.00} until XXXX when it reduces to {$43.00}. Shellpoint mortgage continues to charge me {$210.00} per month for PMI. When I requested that they credit me back the additional {$2.00} that they have charged me the entire time, they have ignored my request and have not even addressed why they are charging me more than the original amount that both my and their documents show. I feel that this is fraud. They are refusing to honor my contract.
Consumer complaint received 2023-03-27
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. (GA)

I have asked the Credit Bureau to do a credit search and I did a complete search as well. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit to see any an old account from XXXX XXXX that was paid off and should be deleted. I was told once full payment was made, the account would be deleted within 30 days. Its been a few months and its still not deleted.
Consumer complaint received 2020-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America is reporting an erroneous account on my credit reports. They are reporting the balance of {$940.00}. I sent a Validation of Debt letter to Bank of America on XX/XX/2019 and received no response. I have even challenged through the credit bureaus with no success. I demand this be removed from my credit reports. Account # ending in XXXX.
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

My credit card with Citi Bank Advantage was set up to automatically pay in full each month. This past month I moved, causing me to have more expenses than usual. I went online a few weeks prior to my payment due date and change the auto pay amount to {$500.00}. On XXXX/XXXX/16 Citi Bank took the full amount of {$4100.00}. I called on XX/XX/XXXX and was told that the monies would be deposited back in my checking account on XX/XX/XXXX or XX/XX/XXXX. It was not, I called again on XXXX and was told that it would be done on XX/XX/XXXX or XX/XX/XXXX. As of today the funds have not been refunded. Now they are telling me it should be done by the end of the week. So far I have incurred {$100.00} in overdraft protection fees. I really need this money to pay all my normal + moving expenses.
Consumer complaint received 2015-04-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: URS Holding, LLC (NJ)

The original loan holder, XXXX sent me an email stating that they have released the account to Enterprise Recovery Systems. I have disputed the account with the school. However, without any form of resolution, I was sent an email stating that I have XXXX hours to submit a payment or else the account would be release to the XXXX party collection agency. I am disputing this with Enterprise.
Consumer complaint received 2015-03-24
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have been attempting to get a Mortgage Modification with Bank of America for over four years. Each time until recently I have been placed in a circle where without explanation by modification has to be restarted without a final answer of the previous attempt. I have a numerous number of agents assist me with this process until recently when I was afforded a Dept of Justice Modification that was part of a settlement with BOA and the XXXX due to the mortgage crisis. BOA has not offered any proof od security in the process in writing and I had to pay a large monthly installments out of faith to ensure the new loan of my home. Now that they have received their money not only has the demeanor of BOA personnel changed towards me but also the timeline to complete the process has been drastically expedited. My rep explained to me the loan would be in underwriting for at least 30 days, at that time I would receive paperwork I needed to sign then given another 30 days to return the information. At this time I have only heard via phone call my modification was approved and I need to send all required paperwork by by XXXX XXXX, 2015. This is gives me less than two weeks to turn around vital paperwork to save my home. It took four years and a 16 billion dollar fine for BOA to get my mortgage right but I have less than two weeks. When I attempted to escalate my concerns to an authority that could better assist I was denied any chance to speak to someone above my case managers supervisor. His supervisor was rude and uncooperative to reason by telling me how they expect anyone above her would respond to my request. This experience with BOA has left me feeling they rather foreclose on my home and sale it at a higher price than what my modification was ordered by the DOJ to be in order to recoup part of the money lost from the previous fine. I served over 20 years and XXXX I 'm confused why BOA would include XXXX in their title. My wife and I are both XXXX veterans and she is a XXXX. Our income has changed dramatically over the last three years plus our flexibility of employment is limited due to high medical demands. We need this modification to go through and our ability to return needed paperwork is important to finalize the details. I pray that BOA would take action not only to allow me time needed to return my paperwork, but adjust their policy to do so when the opportunity warrants. I feel BOA owes it to their customers/ clients to place them in a Mortgage that reflects the true value of their home and should make ample time to ensure all homeowners are given time necessary to salvage their lives do the financial crisis caused by BOA and other banks affiliated with this issue. With extra care to those who have served and lost part of themselves after serving in XXXX protecting our way of life. Some agents say thanks but actions speak louder than words.
Consumer complaint received 2015-10-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

I WAS NOTIFIED BY XXXX RADIO THAT THEY WERE RENEWING MY SUBSCRIPTION OF MY XXXX RADIO 'S I THINK TIS WAS IN XXXX XXXX. I CONTACTED THEM INDICATING I DID NOT WANT TO RENEWAL MY SUBSCRIPTION..THEY GAVE CONFERIMATION OF THIS ACTION I LOST THIS INFO. THEN MY CITI-CARDS AT & T UNIVERSAL CARD WAS BILLED {$370.00}. I CONTACT XXXX ABOUT THIS ... ..THE REP SAID HE WAS GOING TO GIVE ME A SPECIAL BUNDLE FOR {$120.00} FOR ONE YEAR PLUS REPLACE MY LIVING ROOM RADIO.. HE TOLD ME I WOULD GIVEN A CREDIT XXXX. I WAITED SEVERAL WEEKS ... I WAS TOLD AT & T UNIVERSAL CARD THEIR WAS NO CREDIT GIVEN ... ..I THEN FILED COMPLAINT WITH THERE BILLING DISPUTE DEPT ... ... I REC 'D A LETTER FROM CITI-CARDS ON XXXX XXXX, 2015 THAT THEY REVERSED MY CREDIT BASED ON INFO FROM XXXX ... .THEY MATERIALS THAT USED WAS MADE NO SENSE ... I HAVE BEEN FAXING AND SENDING LETTERS TO CITI-CARDS XXXX. XXXX XXXX XXXX, SD XXXX. I HAVE BEEN DEALING WITH XXXX XXXX ... SERVICE SPECIALIST..HER PH XXXX..THE DISPUTE PHONE # IS XXXX ... FAX XXXX HAVE HAD THE AT & T UNIVERSAL CARD SINCE WHEN AT & T CREADED THE CARD WHICH IS OVER 20 YRS . XXXX XXXX IS A VERY CORRUPT COMPANY..THEY HAVE BEEN FINED BILLIONS OF DOLLARS OVER THE YRS BY FTC. IT SEEMS XXXX XXXX TAKES THE WORD OF CORRUPT ENTITY WITH INSUFFICENT DOCUMENTATION. I TOLD XXXX XXXX GO TO FTC.GOV IN ORDER TO FINE OUT HOW MANY COMPLAINTS HAVE BEEN FILE WITH FTC.IT SEEMS CITI-CARDS HAVE BEEN VIOLATING SOME FEDERAL OR LAWS
Consumer complaint received 2022-09-04
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I found a BofA refund check in the amount of XXXX dated XX/XX/2013 for XXXX XXXX XXXX I did not receive. I also found a second notice from BofA to call to reissue this check. I went to several BoA locations in Michigan and Maryland to get a reissue of this check. Still, they kept telling me that they were not responsible for reissuing the check, even after XXXX XXXX told them that it was their responsibility. Bof A told me to check unclaimed properties and I found nothing on any of the states where I lived or where the B of A headquarters are located. I finally received the number of a BofA corporate banker, XXXX XXXX ( XXXX ) XXXX, and called, but they did not respond. 

At this point, I know that because it was not reported as unclaimed as required by law ( as the funds were a return of my own money ) that the funds were stolen.
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I had a loan from INDYMAC BANK, and have been paying on time since then. In XXXX, Ocwen Loan Services , LLC took over as my loan service ( r ). I was XXXX around this time, and once Ocwen took over, they 've been sending letters stating if I dont provide payment or payment receipt they will foreclose. I send them supporting documents, then they send me another letter stating that some other payments are " missing ''. I fax them those thinking ill be done and everything will be fine. Its been 4 years, I send them proof of payment, they come up with other random days they want proof of payment for. Fast Forward to today, OCWEN stopped accepting my mortgage payment as of XXXX XXXX stating that they cant accept partial payment when I " owe '' for months that I have proof of payment, and if i dont come up with those payments they will foreclose on my home. I am FIGHTING XXXX and FIGHTING OCWEN, im old, im tired, im ILL. Every time I send them three or four payment receipts, they send me a letter stating they received the proof of payments however there are more that are missing. We 've been doing this since XXXX, and its gotten more and more frequent the past year, im speaking to them every 3 weeks now trying to resolve this matter, but every time they get my proof of payments, they come up with other random days they need. As of right now, OCWEN is asking for payment receipts from XXXX, mind you, OCWEN came in the picture in XXXX. They keep playing these games with me and are threatening to Foreclose on my home.
Consumer complaint received 2017-10-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NM)

i opened a line of credit with them. they immedeatly froze my line of credit and never once allowed me to draw on my line. i have complained constantly to them 3-4 times a year for me to access my line. they continued to deny my access to my line of credit. they continued to stall me year after year and denied me access now they are saying my line is in the payback period and that i have to reapply
Consumer complaint received 2016-09-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: First Associates Loan Servicing LLC (CA)

I went to XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. I was told that federal loans would take care of the associate 's and bachelor 's degrees. About a year before I was supposed to graduate, I get pulled in the middle of class into the financial aid department. They told me that my federal loans had run out and that I would have to take out private loans to finish my degree. They had me take out a Peaks loan. Because of their high interest rates, my total federal and private loans come out to over $ XXXX. I am already in a student loan forgiveness program for my federal loan, but need help with my private loan with Peaks. I had contacted Peaks and the lowest they can drop my payments to is {$200.00}, which I still ca n't afford. There is no way the education I received from XXXX is worth anywhere near $ XXXX.
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America is not allowing me to file a dispute on a part of charge ( {$590.00} out of {$1700.00} ) with the merchant XXXX XXXX XXXX XXXX who has negligently lost my property while cruising and now refuses compensation.
Consumer complaint received 2020-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to have fraudulent information erased from my Transunion credit report without any luck and Im not able to dispute information on Transunions website. 
XXXX XXXX XXXX was removed from my XXXX report
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (LA)

This company XXXX XXXX Acct # XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )
Consumer complaint received 2020-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (CA)

I received a mailed letter today saying from Allied International Credit Corp that I owe a debt of {$110.00} to ebay. I logged into XXXX and no such debt is owed. This company is using my former name and my home address and mailed me what I believe is a scam letter trying to collect a check or money order from me.
Consumer complaint received 2020-01-19
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. (OR)

There is a bogus collection charge on my account. I have been on the phone for over an hour mostly with XXXX XXXX # XXXX. They are refusing to provide the evidence or information they based their decision to keep this collection on my account. This call was on XX/XX/2020, XXXX PST.
Consumer complaint received 2015-06-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

A payment was sent to Bank of America without my authorization and knowledge and a account was automatically generated. Because the payment would be further delayed if I chose not to use the account that I did not authorize, or even have knowledge of. I did not receive a check by mail and by then I did not have a choice but to use the account. 
The local child support enforcement who sent the payment to Bank of America has knowledge that I was expecting my payment by check but in fact, chose to go against my wishes and have a account opened without notifying me which also delayed payment to me. 

And to insult to Injury, the Bank continuously denied transactions when I used my bank card in the store which was embarrassing, the account had available funds. The reason I 'm told is because I swiped a card that was lost/closed out by mistake, but only because I had not discarded it ( no scissors handy ). Because I swiped this card that had been closed out a year or more ago they ( Bank of America ) blocked transactions for the ACTIVE account, at their discretion meaning Bank of America reported fraud on the active account because I swiped the closed out card by mistake that is NOT even tied to the active account.
Consumer complaint received 2015-09-23
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (MA)

Paid the balance due in full and then was charged interest - they claim it was because interest accrues daily and the statement balance is not the real balance. NOTHING stated I should call for a payoff figure this is not a car or house loan it was a credit card. The balance due is the balance due I paid the balance shown on-line on XXXX before the due date of XXXX. Why are they allowed to charge more interest?
Consumer complaint received 2020-09-11
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. (AL)

THESE ACCOUNTS ARE FRAUDULENT AND DO NOT BELONG TO ME. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS NOR INQUIRIES DO NOT BELONG TO ME.
Consumer complaint received 2016-07-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (KY)

On XXXX report dated XXXX/XXXX/XXXX Midland Funding LLC has post an account XXXX in collections for {$790.00} due XXXX XXXX XXXX I do not have or have had such an account. The only XXXX account I ever have had and it is paid as of XXXX/XXXX/XXXX account XXXX and the limit was {$650.00} and this was closed after paid in full. I assume that this business is making accounts to collect from individuals. I called XXXX and gave them the information I have from the credit report and no information was available and they requested my social security number and because I do n't know this business I refused. I request this Midland Funding remove the fraud information from my credit report. I have filed a complaint with the credit reporting service. I do not owe this business, company or any one related to such nor XXXX. Request Midland Funding , LLC remove the information from all credit reporting services. 

Request this business send the original copy of the contract with my signature, date opened, original limit, list of payments and the mailing address ( s ) on record. This copy must have the return address of the business name and the address for acceptance. 

I assume I will have to file a small claims action to have this business explain how they accessed my credit report and how they came up with a fake account listing XXXX. The listing reference this business is a Debt Buyer whatever this may be. 

I DO NOT OWN THIS MIDLAND FUNDING , LLC OR CITBANK ANY MONIES AND HAVE NO OPEN ACCOUNTS AND REQUEST THIS BUSINESS STOP CONTACTING ME NOW OR IN THE FUTURE AND REMOVE THE INFORMATION FROM THE CREDIT REPORTING SERVICES.
Consumer complaint received 2015-08-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CURO Intermediate Holdings (NV)

I have a loans out through XXXX. I have had fraud on my bank account recently I do not want my bank information to anyone. I have told them I revoked my authorization to debit that bank account. They refused to take my account information off. I do not wants fees and overdrafts because they wo n't work anything out with me. I have talked to them numerous times. In the loan agreement they do not state how to unauthorize the debit to my account.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To to Whom it may concern, I had a capital one spark business account opened since XXXX. I have never been late or defaulted. After a recent payment of paying the balance in full I noticed this card was closed with no notification!! I went to make a purchase on my card and noticed it was a restriction on the card and that I could not use it. 
After I called capital one centers and was told by the representative/ manager ( XXXX ID # XXXX ) that the card was closed because capital one said that I fail to verify myself with my TDL and SSN. Customer service agent said a letter and email was sent to me in XXXX of XXXX that I never received! 
I did verify my email and mailing address that was on file and it was correct but I don't understand why I didn't receive email nor letter. I pride myself on this account never being late or bad pay history. I am very upset and this is very hurtful from a credit prescriptive because my score that I worked hard for fell more than 70 points.
Consumer complaint received 2021-06-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MA)

Mr Cooper hasnt responded to initial complaint. Company called multiple times a day, called on weekends and holidays. Told company they would get their money once VA retro pays me owed funds. Mr Cooper continually calling and harassing me. Company never left messages. Mr Cooper then without cause had a debt collector reach out to me. We are in a pandemic and Im a XXXX veteran, horrible company.