davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I obtained a secured credit card from Bank America in XXXX XXXX. I provided {$99.00} and received a {$500.00} credit limit with the " opportunity '' to increase the limit and have my deposit returned after six months. At the same time, I was issued an unsecured credit card for {$7000.00} with XXXX. I used the BA card and paid the total balance faithfully over the next six months. At that time I requested and increase and return of my deposit. I was refused and told to re-request at my one year anniversary. Over the period of this past year I worked on restoring my credit rating with XXXX up to XXXX. Upon re-requesting on XXXX XXXX, my one year anniversary, I was again refused. The letter I received states my score on XXXX/XXXX/XXXX was XXXX. Not true it was XXXX. Many years ago, I incurred over $ XXXX in personal debt keeping a business open. I spent over 5 years paying off that debt as of XXXX/XXXX/XXXX. I have since re-established my credit and currently have other unsecured charge cards totaling {$12000.00} in credit limits with only XXXX % being utilized. I no longer have any serious delinquencies, no public records, and only XXXX collection on record of {$260.00} which I paid for in XX/XX/XXXX. I only have XXXX total inquiries over the last year, XXXX of which are the BA increase requests. I just lost XXXX points because I made this latest request from BA. I 've also been notified that I will be billed an Annual Fee of {$39.00} on my XX/XX/XXXX BA statement. I actually had to go back in my checkbook to XXXX XXXX to find out how much I paid BA for a deposit fee. It 's not listed on any of my statements. They have had {$99.00} of my money for over one year. Is this highway robbery or am I just dazed and confused? I 'm sure I am not alone ; there are probably thousands of poor souls out there like me. Thank you for your thoughtful consideration and being there for us citizens. I had nowhere else to turn and appreciate any assistance you can provide..
Consumer complaint received 2017-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My prior complaint # XXXX has yielded no results even though billions of homeowners continue ( like myself ) to be victimized by Bank of America. I am requesting information as to who is the legal owner of my mortgage? Also what securitization of trust information is connected to this loan. Complaint # XXXX. Neither I nor my attorney XXXX was offered a loan modification even when we requested one. Also the reason for denying my loan modification request.
Consumer complaint received 2019-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

We previously filed a complaint on this site requesting that Fifth Third Bank accept the short sale offer we had on our home. This was back in XX/XX/XXXX! Instead we have been caught in retention option XXXX. I have written emails to XXXX XXXX ( COO ) ; XXXX XXXX ( COB & CEO ) ; XXXX XXXX ( CFO ) and XXXX XXXX. The ONLY response I EVER received was from clerks who had no authority or power to make a REAL decision on our request. I was told this week by yet another clerk that my hardship application was discarded because the bank wants us to accept their retention proposal. We are NOT in the position to continue to pay this mortgage. Over this 10 year history we tried 8 times to refinance this mortgage. If they would have offered a serious retention option even 5 years ago we wouldnt be in this situation.
Consumer complaint received 2022-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NM)

I am a student loan borrower that is eligible for the Public Service Loan Forgiveness Program ( PSLF ), with loans serviced thought FedLoan. I will have been working in public service through a 501 ( c ) entity for 10 full years at full time in XX/XX/2022. As payment counts are being updated through the PSLF waiver and expanded TEPSLF program, dozens upon dozens of people have been reporting online that many of their hardship forbearance or deferment months when no payments were made have been included in their updated counts and are either bringing them closer to having their loans forgiven or are already having their loans forgiven. On the other hand, many ( myself included ) are hearing from FedLoan that those forbearance months DO NOT count and have not had them applied to our official qualifying payments. I have been documenting each instance of the opposite happening - of borrowers having zero payment months under forbearance or hardship counting.
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Lending Club Corp (VT)

Choices available on this form are inadequate for my situation. 
XXXX XX/XX/XXXX, I borrowed just under {$10000.00} on line from Lending Club ( loan # XXXX ). 
Approximately of the proceeds was to go to my XXXX XXXX Rewards credit card balance, the remainder was to be deposited in my XXXX XXXX  XXXX. checking account ( XXXX ) already on record with Lending Club. [ Note : XXXX XX/XX/XXXX, I paid off a previous loan to Lending Club via autopay from the XXXX  account above. ] Instead, Lending Club sent the payment to a different XXXX account, my XXXX XXXX credit card. 
After I brought this to their attention, Lending Club did nothing to coorect their error, and left it to me to clean up their mess. 
Worse, however, is that they also sent the the to a bank account I closed years ago XXXX XXXX XXXX  XXXX  ( XXXX ) Lending Club is notorious for poor customer service ( see XXXX  complaints ). 
My many calls to Lending Club were inordinately difficult to put through to a live human agent. When I eventually did get through, Lending Club Help Desk counseled just waiting. 
Waiting failed ( i.e., no $ deposited in my XXXX Bank account ). I started ccing Lending Clubs CEO XXXX on my complaints to Lending Club Help Desk.

XXXX office did not respond.
Consumer complaint received 2016-01-09
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XX/XX/XXXX To Whom It May Concern : In XX/XX/XXXX, I obtain an XXXX/XXXX mortgage loan with Countrywide, secured by XXXX. My loan was then sold to Bank of America. I lost my job in XX/XX/XXXX due to the economic recession and was forced to do cash for keys in XX/XX/XXXX, returning my home back to XXXX. Bank of America has sold my loan to a collection agency, XXXX XXXX XXXX to collect on the home equity portion of my loan, which was also secured by XXXX. They continue to call me weekly asking for payment.
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I applied for a credit card from Bank of America and they denied me credit saying that I have a past due account with them and XXXX of their associate companies when I do n't have any account with them and do n't have any past due accounts at all. All of my credit accounts are current and never have been past due.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have XXXX accounts that is fraudulent : XXXX and XXXX. I have requested a signed original credit application with my signature. I have not received the credit agreement with my signature as requested. These accounts have not be validated nor verified properly. This accounts is damaging to my credit score and I want them removed.
Consumer complaint received 2015-05-26
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have received multiple invitations to apply for a credit card through AAA XXXX XXXX XXXX New York Visa Signature. The review was performed by Bank of America. I received a decline notification in the mail stating they were unable to approve my request because I had a current or past delinquency on my account ( XXXX ) with BOA or their affiliates. I was stunned and immediately pulled a free copy of my credit report from XXXX. XXXX was used by BOA to assess my credit worthiness. After pulling my report, my report confirmed NO POTENTIAL NEGATIVE and I had XXXX ACCOUNTS IN GOOD STANDING. I also reviewed every single account status on my XXXX page XXXX Credit Report which again confirmed for each account listed : PAID CLOSED NEVER LATE or OPEN NEVER LATE. I even assessed the payment history listed for each account on my report which again did n't show anything derogatory. I attached a copy of the decline notification I received from BOA along with my report summary from XXXX confirming " XXXX Potentially Negative ''. I am honestly insulted and concerned by BOA actions.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

Carrington Mortgage has placed my mortgage account in credit as 1 month behind.

My account in a COVUD-19 forbearance plan and I also requested to do a COVID-19 Loss Mitigation Program with Carrington Mortgage. As of XX/XX/XXXX nothing has been process completed. But they forward my account to the Credit Bureau as being late with payments. This is the program I was told that my loan could be placed under. 
My loan is a VA Loan which I purchased my home in XXXX. Always on time until COVID-19 cause me to not have job. Please help COVID-19 Refund Modification is a consent from the VA for us to modify your guaranteed loan and the VA purchases a portion of your indebtedness from us. The indebtedness is then secured as a junior lien in favor of VA. VAs junior lien does not accrue interest ; does not require monthly payments ; and only becomes due when the property is sold, the guaranteed loan is paid off, or the guaranteed loan is refinanced, whichever occurs first. This option can allow for significant reductions in your monthly payments, increasing the likelihood that you will enjoy lasting homeownership. It is like the COVID-VAPCP in that VA can purchase indebtedness up to 30 percent of your unpaid principal balance ( UPB ) .The COVID-19 Refund Modification is not a stand-alone option. Instead, VA provides a partial loan refund alongside a the loan modification of the terms of your mortgage loan which targets a minimum payment reduction of 20 %; starting with deferring all arrearages, a potential term extension up to 120 months beyond original maturity date ; and potentially deferring more principal to allow for a payment reduction. You have missed at least one payment covered by a COVID-19 forbearance ; your guaranteed loan was current or less than 120 days past due as of XX/XX/XXXX, or the guaranteed loan was made on or after XX/XX/XXXX ; and you occupy, as your residence, the property securing the guaranteed loan.
Consumer complaint received 2019-02-22
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: Experian Information Solutions Inc. (TX)

I have disputed this outdated information several times. They remove it and then wait and add it back with a later date. The loans are from XX/XX/2003. IRS has garnished taxes to pay balances yet they are still being reported.
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello and Thank you for your help. I am the owner of a mortgage with no collateral ( property ) with Bank of America due to negligence from XXXX XXXX, title company and Bank of America. 
" XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX : XXXX XXXX XXXXFrom : Atty. XXXX XXXX Set forth below is a synopsis of the bases for my position that the titlle to Unit XXXX is flawed : On XXXX XXXX, XXXX, XXXX XXXX, the then owner of Unit XXXX, Building XXXX, XXXX XXXX XXXX XXXX, executed a mortgage to XXXX XXXX XXXX XXXX, recorded in XXXX XXXX District Registry of Deeds, Book XXXX, Page XXXX.The mortgage to XXXX was eventually assigned to XXXX XXXX Bank , Trustee. The assignment was dated XXXX/XXXX/XXXX and recorded on XXXX/XXXX/XXXX at said XXXX in XXXX XXXX, XXXX XXXX XXXX initiated foreclosure proceedings on the XXXX mortgage, culminating with an auction and sale conducted on XXXX/XXXX/XXXX. 
Legal notices for the sale were published in the XXXX XXXX on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX.Because the assignment of the XXXX mortgage to XXXX XXXX XXXX not executed until XXXX/XXXX/XXXX and not recorded until XXXX/XXXX/XXXX, XXXX XXXX did not have title to the property at the time that it conducted the foreclosure sale and subsequent conveyance of the property. This conclusion is based on the holding of the Massachusetts Supreme Judicial Court in the case of XXXX XXXX XXXX XXXX, Trustee vs. XXXX XXXX ( and a consolidated case ) XXXX Mass XXXX, wherein a lender tried to claim title under identical circumstances and the Court ruled that because the assignment of the mortgage to the foreclosing entity had not been recorded prior to the foreclosure sale ( and, specifically, prior to the XXXX publication of notice ) the foreclosing entity did not have good title. 
Accordingly, the foreclosure of Unit XXXX is void and title did not pass to XXXX XXXX XXXX by virtue of the deed recorded in Book XXXX. XXXX XXXX who bought the property from XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2015-10-13
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XXXX XXXX XXXX filed a lawsuit against me in XXXX, 2015 even though the Statute of Limitations had expired. XXXX See attached copy of my letter to the arbitrator. ) It cost me {$240.00} to file an Answer in which I pointed out the fact that the SOL has expired, but a Judge in the XXXX Court of XXXX XXXX, AZ sent the case to an arbitrator anyway. The case is still pending and an arbitration hearing was scheduled for today, but PRS 's attorney decided to play by the rules and demanded 30-days notice, so the hearing has been continued but not yet rescheduled. 

I saw your lawsuit against PRS and the order that they dismiss all lawsuits filed after the expiration of the SOL, but these people are completely ignoring that Order and proceeding with this case against me anyway. What can I do to end this lawsuit AND get my {$240.00} back? Thanks.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im 4 business days of receipt
Consumer complaint received 2022-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Verisk Analytics Inc (FL)

I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ON XX/XX/2021 I SUBMITTED A CFPB COMPLAINT AGAINST TRANSUNION, REGARDING THE UN-AUTHORIZED REPORTING OF TRANSACTIONS AND EXPERIENCES ON MY CONSUMER REPORT WITHOUT PERMISSIBLE PURPOSE, AND WITHOUT MY EXPRESSED WRITTEN CONSENT. I UPLOADED A COPY OF MY FTC I.D . THEFT REPORT AND ATTACHED IT TO MY CFPB COMPLAINT. I REQUESTED THAT TRANSUNION REMOVE AND DELETE WITHIN 4 DAYS OR PAY ME {$1000.00} PER MINUTE FOR THE FRAUDULENT INFORMATION THAT HAS BEEN POSTED ON MY CREDIT REPORT PER 15 USC 1681C-2 ( A ). TRANSUNION FAILED TO REMOVE AND DELETE AS I REQUESTED. I RECEIVED AN IDENTITY THEFT-RELATED REQUEST LETTER DATED XX/XX/2021 FROM TRANSUNION DECLINING TO BLOCK THE INFORMATION THAT I REQUESTED ACCORDING TO 15 USC 1681C-2 ( A ). TRANSUNION DETERMINED THAT MY REQUEST HAS EITHER A ) BEEN MADE IN ERROR ; B ) IS A MISREPRESNETATION OF MATERIAL FACT RELEVANT TO THE REQUEST TO BLOCK AND/OR C ) I HAVE OBTAINED POSSESSION OF GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTION ISSUE. IN RESPONSE TO TRANSUNIONS REASONS TO DECLINE THE BLOCK OF MY INFORMATION A ) MY REQUEST WAS NOT MADE IN ERROR ; B ) THERE WAS NOT A MISREPRESNETATION OF MATERIAL FACT RELEVANT TO THE REQUEST ; C ) IF I HAVE OBTAINED POSSESSION OF GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTION ISSUE, THEN PLEASE HAVE A SENIOR EXECUTIVE FROM YOUR COMPANY CERTIFY UNDER PENALTY AND PERJURY THAT I RECEIVED GOODS, SERVICES, OR MONEY. TRANSUNION HAS FAILED TO PROVIDE A SPECIFIC REASON TO DECLINE MY REQUEST. TRANSUNION HAS ALSO FAILED TO PROVIDE ANY PROOF OR RELEVANT DOCUMENTARY EVIDENCE OF THIS DECISION. TRANSUNION OPENED A RE-INVESTIGATION OF THE DISPUTED INFORMATION BUT HAS FAILED TO PROVIDE DOCUMENTARY EVIDENCE OF THE INVESTIGATIVE CONSUMER REPORT OBTAINED VERIFIED BY THE NAME OF A MAN AND/OR WOMAN THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES. TRANSUNION FRAUDULENTLY PLACED AN EXTENDED FRAUD ALERT ON MY CREDIT REPORT WITHOUT MY CONSENT AND DIRECT REQUEST, OR ON MY BEHALF PER 15 USC 1681C-1 ( 2 ) ( B ) ( 1 ). TRANSUNION IS ALSO IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY CONTINUING TO FRAUDENTLY REPORT INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES THAT ARE SUPPOSED TO BE EXCLUDED FROM MY CONSUMER REPORT THAT I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT TO. THIS HAS CAUSED DAMAGES, AND INJURIES TO MY NAME, REPUTATION, CHARACTER, AND CREDIT CAPACITY. I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2019-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC (VA)

I got an alert on from my XXXX  Credit Bureau stating that there was an account that went into collection on XX/XX/2019 {$450.00}. I reviewed my credit report and seen that it was XXXX XXXX XXXX I sent a Validation letter certified mail on XX/XX/2019. Debt Validation Letter was received via Certified Mail on XX/XX/2019. On XX/XX/2019 and XX/XX/2019, I received 2 more  notifications from XXXX  that XXXX XXXX XXXX has flagged my account as Collections. On XX/XX/2019 I received a letter from XXXX XXXX XXXX which was a bill and not validation. XXXX XXXX XXXX has not sent me anything validating the debt.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX # XXXX {$620.00} ... .i have contacted this collection agency and they can not verify this account as mine but it comes back as verified with transunion ... ... method of verification is wrong when i disputed this account ...
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (WI)

On XXXX XXXX, I was part of a XXXX XXXX through US Bank who refused to recognize it as a scam or refund my money. I have a police report, the scammers used fake US Bank phone numbers, and I did not know the person that the money was being transferred to. 

I was texted a message on XXXX XXXX from a US Bank phone number that asked if I authorized a transaction to XXXX, which I didn't. The text asked me to text yes or no. I texted no and I immediately got a phone call from a US Bank phone number. The scammer said his name and that he could see that someone had my account information and loaded it onto a XXXX XXXX  phone and was using it to make purchases. He knew my bank balance, my address, phone number, etc... He then listed a bunch of transactions and asked me if I authorized them. He said he would cancel those transactions and then he asked if I transferred money through XXXX to a person named XXXX. I again said no. He then said per company policy he needed to walk me through the process of transferring the money back from XXXX so it would go back into my account. 

He then had me log into my XXXX account, which I haven't used in over 5 years, to go about the process of transferring money supposedly from XXXX 's account back into mine. We did three separate transactions totaling {$3500.00}. He then said it would take 24-48 hours for my account to go back to normal. 

After 48 hours when my account was not back to normal, I called the US Bank Fraud department and they figured out that I had been scammed. They completely shut down all of my accounts because they didn't want to get hacked further. I had no online access to anything and had to open a new account to transfer any money in all of my bank accounts ( my business account included ) into it. I then had to wait two weeks for the fraud department to do an investigation. After two weeks I called the fraud department back and was told that my claims were denied. I was then told that I should get a police report from my local police department, which I did, and have my local branch submit a claim again. I did all of this. 

I was quickly sent a letter saying this was a duplicate claim and it was again denied. 

According to CFPB, banks are supposed to treat these XXXX scams as a lost or stolen card, which US Bank did not. They acknowledged that I was scammed and I followed all of their procedures, but have no recourse. According to recent Senate hearings with other bank CEOs, these banks knowingly use XXXX even though they are very susceptible for hacking, which my account obviously was. There are also law suits against other banks for not reimbursing their customers, and there should be one against US Bank as well. I was also not treated well throughout this entire process, more like I was the criminal. 

This was a very sophisticated scam and I would like my {$3500.00} returned to my account.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have been wanting to remove inquires from my credit report for almost 6 months now. I'm new to credit and just now figuring a lot of that i didn't have authorized or gave any consent. i would just like the items i have dispute removed and deleted from my credit profile so i can live a better life.