davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America added between {$30000.00} to {$40000.00} to my mortgage back in 2011. They claim I did a modification but yet never signed or agreed to anything. The time they are claiming I did this I was working XXXX in XXXX. When asked for documentation proof they had none. Now my family and I are harassed every month. We are sent a package every month from Bank of America with paperwork dated 2011 to sign for a loan modification. Then a few days later they send someone to our house even on Sundays they come by. They take pictures of our house and sometimes are vehicles. I never sign anything especially since it was not something I agreed to. I have also had to block their number from calling since they call consistently. They normally demand I send money to them for the modification but the last package offered me {$500.00} to sign. They owe me at least {$30000.00} not including finance charges for what they added. I owe much more now on my principal than what was financed. This can not be legal.
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX {$68000.00} account reported on XX/XX/XXXX OpenAccount # XXXX $ XXXXXXXXCurrent BalanceXXXX XXXX XXXX XXXX XXXXOriginal Creditor $ XXXXXXXXOriginal BalanceXXXX XXXX XXXXDate OpenedXXXX XXXX XXXXReport DateNoteTHIS account was originally openned in XX/XX/XXXX, and the balance is incorrect________________________________________________________________LVNV FUNDING LLC {$75000.00} account reported on XX/XX/XXXX OpenAccount # XXXX $ XXXXXXXXCurrent BalanceXXXX XXXX XXXX WASOriginal Creditor $ XXXXXXXXOriginal BalanceXXXX XXXX XXXXDate OpenedXXXX XXXX XXXXReport DateNoteTHIS account was openned in XX/XX/XXXX and the balance is incorrect
Consumer complaint received 2021-08-11
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 — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION (PA)

I had an auto loan with Regional Acceptance for a XXXX XXXX XXXX  XXXX. The vehicle was deemed a total loss on XX/XX/XXXX. Regional Acceptance continue to report delinquent to the three credit bureaus although they were waiting for the settlement check from the insurance company. I spoke to several agents at Regional Acceptance that continued to ensure to me that there would not be a delinquent report on my credit report. The last representative I spoke with was named XXXX XXXX. She explained to me that I had to pay the remaining balance due on the auto loan with a renewal agreement and that there would no report of delinquency on my credit report. Regional Acceptance has made this process very difficult.
Consumer complaint received 2022-02-15
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. (CA)

I have read through my credit report provided by you and cant seem to make sense of this data you report. I need your help and would appreciate expedited investigation on this. 

A collection is late by default and therefore can not report a late payment. Remove account for violation. 

XXXX  XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account numberXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ( HIPPA code ) This is a collection/charge off how can there be a late payment on it? This a Violation. Delete this account immediately.
Consumer complaint received 2016-08-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

My Chase debit card was taken from me on XXXX XXXX, 2016 which was used to make unauthorized withdrawals/transactions. I was never informed from chase via phone call that any of this fraud activity was taking place. I recieved XXXX email to confirm the transactions which I was unable to open until it was too late. Once I noticed all of the transactions I called Chase bank immediately, hysterical they were not helpful in anyway. Instead of being giuded in the right direction I was yelled at, and blamed for all of this. I explained I would give whatever proof necessary to prove I was in a different town at work, which they were not interested in. I then went to a chase branch filed XXXX claims, signed paperwork faxed it to them right away. A few days later I recieved an email stating they were giving me a temporary refund of which I would have full access to use while they do their research. Later come to find that this was untrue, I called to verify and I was told Chase was ending their " relationship '' with me and I was not able to touch that money. I again, went to the branch to get clarification because I could not get a straight answer from anyone I spoke to. The teller also got no where with answers, he could only apologize for the misunderstanding. I am a single mother of a XXXX girl and Chase would not allow me to even touch my money that was stolen from me. Chase did not provide me any protection whatsoever. Two weeks later I saw an email stating they were not refunding my money because they had reason to believe these transactions were correct. I asked the supervisor for a valid explanation, which they refused to give me. I told them about the multiple police reports I have about the identity theft situation I am in, I cried to them letting them know I have valid proof and they said " that wo n't be necessary ''. The woman on the phone hung up on me abruptly and I decided to take further action since I am getting no where with this company.
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MORGAN STANLEY & CO. LLC (GA)

My Mortgage was sold from Saxon Mortgage to XXXX in XX/XX/2012. 
Prior to the Sale, my Mortgage Balance was {$200000.00} with Saxon Mortgage, but after the Sale to XXXX, my new Mortgage Balance was {$240000.00} ; hence a fee of {$40000.00} was added ( i dont know why ), which i have had to pay down over the last XXXX years to the current {$210000.00} with XXXX
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services (FL)

To Whom it May Concern, I applied for a lease in XX/XX/XXXX with an apartment complex ; The Academy on XXXX, and signed it in XX/XX/XXXX before knowing that my university would cancel in-person classes nearly six months later. I never paid a security deposit, never paid first and last rent, never paid a single dime to the landlord ; all I did was sign the document. Exactly 30 days before the lease would start on XX/XX/XXXX, I told the landlord over their messaging portal that I want to exit my lease ( despite there being no exit option ). He told me no, and I said I wasn't going to pay it. I got no response back after that. Two months later at the end of XXXX, he sent me an eviction notice and charged me the full 12 months of rent ( which is illegal under Maryland 's rental code ), selling the debt to BYL Collections. I got their written notice a month later around XX/XX/XXXX, responded by certified mail that I was disputing the debt, asked them to verify it, and verified that they received it. This month when I got my monthly credit report, my score had dropped over 100 points due to their inaccurate debt collection. 

XXXX XXXX on XXXX and now the illegal collection attempt by BYL Collections are taking part in an illegal move to circumvent Covid19 restrictions handed down by the very university which acts in accordance to federal oversight and mandate for social distancing in response to the pandemic. 
Furthermore, I had acted in good faith before the pandemic and can not be held accountable for the pandemic itself or the aftermath of such a devastating ordeal. While I do not argue that I filed out the application I never paid a cent, never took possession of the property and was never evicted by anyone for any reason. Everything that has transpired has done so on paper by a company intent on bilking me of monies certainly not owed and holding over my head the ruination of my consumer credit files. 

Furthermore i am including in my documentation the code of Maryland which it is my belief and position that the landlord and by extension BYL Collections is violating, this over and above all the restrictions and federal guidelines in the application of Covid19 safety guidelines and Covid19 consumer abuse. 

I am asking that this agency intercede on my behalf, review the information and documents and contact the companies mentioned in my complaint, assuring that this issue which they have clearly not taken seriously, is rectified under the supervision of this agency. I am available to speak further on the matter and to provide any other information not provided in this complaint if any.
Consumer complaint received 2015-08-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hi my Name is XXXX XXXX I received a call from capital one 360, he was trying to collect a debt which he said was past due of XXXX or XXXX and last XXXX payments were on time..This is a check debit card the balance is {$210.00} it was over XXXX. this is the first time this has .also he said i was XXXX days behind. i need help. thank you account XXXX the phone where they called from is XXXX.
Consumer complaint received 2023-03-29
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. (WY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hello, I have a kohl 's credit card, and last month I paid my account off in full online, Two days later they made an attempt to charge my bank account the same amount again. It caused me an overdraft fee of {$35.00}, so I tried calling them and asked them why they would double-charge me. They claimed that I authorized those XXXX payments which is n't true because I did n't owe Kohl 's anything.to pay on they even wanted to charge me a returen check fee which a manager said later that she wont
Consumer complaint received 2016-12-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I wrote to Portfolio Recovery by certified mail on XXXX XXXX, 2016 requesting validation of the debt they claim I owe them. I have received no response from them and it 's past the allowable time limit for their response. Yet, they continue to report inaccurate information on my credit report. I have asked them to remove this listing from my credit report to no avail.
Consumer complaint received 2017-09-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: VALLEY NATIONAL BANCORP (NY)

I have sent a couple certified letters requesting my loan documentation and ( VNB ) valley national bank refused to send them. I specifically want a copy of my signed contract and any legal notices they claim to have sent. 
I am demanding a copy of your signed contract and full payment history, because I believe i may have  been a victim of some unethical loan practices. The resulting credit errors are causing me financial hardship.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX   AND EQUIFAX are both reporting a completely fraudulent collection account, number XXXX .   by  XXXX   XXXX   XXXX   XXXX , a company under CFPB Consent Order which requires submission to CFPB supervision.The problem arises from the incompetent hospita l biller   XXXX  represents,  XXXX   XXXX   XXXX   XXXX   XXXX  .I h ad service there 1 day  in 2014, T he hospital biller puts  XX/XX/14    on  one  bill and  XX/XX/14    on another for service that occurred on  one day .If a hospital can not bill an insurer correctly then that insurer can not be held to bad faith.I was fully insured that day of service after employment by  XXXX , after a leave of absence, and then finally I paid a  XXXX  policy in a timely manner. One ch eck for   XXXX   was written to  XXXX  on  XX/XX/14    And cashed by  XXXX  on  XX/XX/14 .A COPY OF THAT CHECK IS ATTACHED.Also you are aware that insurance is not paid in arrears, and  XXXX  had that check cashed just two weeks prior to hospital service.I 've attached proof of  XXXX  'S incompetent billing, not even knowing what day the service occurred.The credit bureaus must get  XXXX  to certify the correctness of the information or  delete immediately.  XXXX  already took a stand and deleted the  XXXX  account which vaulted my credit score back up to  XXXX , OVER  XXXX  FICO  XXXX  points.This willful error of  XXXX ,  XXXX  and  XXXX  and Equifax who relay their false information is getting expensive.I 'm a middle tier interest rate on mortgage and credit cards instead of the very top tier I deserve.I 've been told by   XXXX   XXXX   that   XXXX   'S REPORT put me in the middle tier from 14 per cent to 20 percent on their credit card.   I ca n't have my real estate broker get a mortgage until this issue is put to rest.   THERE HAVE BEEN MULTIPLE INVESTIGATIONS WITHOUT THE EVIDENCE ( attached ) PROVIDE D HERE.THE EVI DENCE SAYS THIS ACCOUNT SHOULD N'T BE ON MY REPORTS AND  XXXX  DESERVES ONE MORE GIANT  XXXX   XXXX  DOLLAR FINE FROM THE CFPB.
Consumer complaint received 2017-07-04
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: DISCOVER BANK (KY)

XXXX has reported all my inquires credit cards and loan accounts under my sister 's name ( XXXX XXXX ) we are twins and have the same birthday and social security number are off by one digit so I need the XXXX XXXX, XXXX, XXXX, XXXX XXXX, and discover under my name XXXX XXXX and there should be nothing under XXXX XXXX.
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received a letter in the mail from Bank of America stating, " They were unable to verify information for my Customized Cash Rewards XXXX Signature card application ''. I called the bank, who was able to verify fraud in regards to the application. This is the third attempt in two months to open a credit card with my information.
Consumer complaint received 2017-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio (IL)

XXXX XXXX is attempting to collect a debt that is well beyond statue of limitation in Il. I do not believe I owe what they say I owe. Therefore, I dispute this debt. Therefore, should they decide to pursue this matter in court, I intend to inform the court that I dispute this debt and that the statute of limitations has expired. This letter is your formal notification that I consider this matter closed and demand that you, and everyone affiliated with your company, stop contacting me. In the future, you may contact me only to advise me that you are ceasing your debt collection or that you or the creditor are taking specific actions allowed by law.
Consumer complaint received 2016-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

As a XXXX, to went to XXXX school back in XXXX and finally finished in XXXX as I worked to support my family and take care of a elderly and sick parent. During that time, we took out loans for XXXX University. We needed to student loans so I could keep going to school while raising a family, trying to pay a mortgage, and caring for my dad. During those years, my ex-wife was in charge of the finances and she made payments. In XXXX, she began a divorce process which ended in XXXX. During that time, I took over the finances and looked at the loan balances an discovered we had hardly paid down anything. I asked for the payment history from the loan server and XXXX ( agency that I think issued the loans ) and my ex-wife had been making payment. When I looked at old bills and inquired with the bank, they said that only minimal payments were being made. However, when you looked at the bills the minimum payment was in larger print. It appeared to be the payment that was required to pay down the loan. Almost 24 years later, I am still paying down this loan which is at 8 % and have barely made a dent in it. Meanwhile, I have increased the payments but I can only increase them so much as a teacher, single parent, who is also helping his adult children get through college. I feel like i will be paying this loan forever. When I was in the middle of the divorce in XXXX and the housing market collapsed I had to file for bankruptcy. I asked for some forgiveness of the loan but was denied. Meanwhile, I had to borrow money from friends to survive and interest kept accumulating on these loans. I think this is all very unfair. I will be XXXX by the time this loan is finally paid off, assuming my health stays in tact and I can keep working full time as a teacher. Meanwhile, my hands are tied in trying to help me kids and they are also getting mired in student loans. Please help!
Consumer complaint received 2021-04-28
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: Experian Information Solutions Inc. (OH)

I have submitted several inaccurate information and reporting on my credit report. The issues still arises. The issues is the incorrect reporting on my credit and violating many FCRA laws. FCRA states, " FCRA violation is when a creditor posts late payments or charge offs after the debt has charged off a past due balance. According to the reporting account is shown charged off in XX/XX/XXXX which is completely inaccurate. Inaccurate information that a CRA reports as accurate has to be removed under FCRA if the said information is to be inaccurate. This is the case. My records reflect that the aforementioned account was opened on XX/XX/XXXX. On XX/XX/XXXX, XXXX placed your account with XXXX XXXX XXXX XXXX ( XXXX ). This did not accurately relfect the information that Experian and XXXX considered to be accurate on my report and thus FCRA violation require removal.
Consumer complaint received 2019-02-27
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. (GA)

I'm in the market to buy a home, my friend is a realtor and he advise my to check my credit report ahead of time. By doing so i noticed a couple of items that are not mine on my credit report. I don't understand how this is possible and its kind of sad that i have to go through all this because my identity wasn't protected. I'm doing this on my own behalf and have reached out to the FTC and my local police department. I need these items removed from my credit report. XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2016-08-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Toyota Financial Services makes it extremely difficult to prepay principal forcing me to pay the full finance charge even when I make payments in excess of the amount due. I feel this is unfair and deceptive as I am paying interest on funds that they have the money to payoff.
Consumer complaint received 2015-08-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I settled and paid off the original account. Which XXXX XXXX sent you the information when I filled out the complaint for them. That there was a mistake made on my account when I did pay them the settled amount. They said they bought back the account. So this should not be on my credit report anymore and it is.
Consumer complaint received 2017-02-03
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (CT)

I had opened a CD XXXX account with XXXX bank here in XXXX ct, They have recently been taken over by M & T bank. I transferred my matured CD to another bank and was charged {$75.00} by M & T for the transfer. That was not in my agreement with the original bank XXXX. What gives them the right to charge me a fee that I did not agree to? Also what control did I have if they decided to charge me {$500.00}
Consumer complaint received 2017-02-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC (IN)

IMC CREDIT SERVICES are accusing me of a medical debt that was paid by worker 's compensation insurance. I was never given instruction that I would be charged, or that my insurance was not accepted, or that I would owe anything outside of what the insurance company already paid. I also have never received any written communication of any documents that I have signed regarding this and was never contacted stating that I owe any amounts of money.
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

wellfargo. took money form my checking account. and in stad of puting it in my mortgage account it put it in my principal that was over {$15000.00} in the account.know i cant pay bills and mortgage on time.thats was whit the money was for.I went to tell them whit happen and said day coud not do anyting about it.