davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (IL)

I filed bankruptcy years ago, case number  XXXX  and   XXXX   XXXX    XXXX   XXXX  COMPANY AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATE HOLDERS OF   XXXX   XXXX    XXXX  MORTGAGE PASS THROUGH CERTIFICATES SERIES  XXXX , intervened in the bankruptcy. I was informed that my mortgage and note was transferred into that trust, some years ago, if this is true I would like to know when it was transferred.   XXXX   XXXX    informed me that they have no interest in the property located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Il  XXXX  and I am trying to determine if the Mortgage is in that trust or not because I keep getting contradicting info. I have sent sever al Debt Validation Letters and Qualified  Written Requests, which have gone unanswered. I would like the contact information for the Trustee. I am trying to get clear title
Consumer complaint received 2016-10-15
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (CA)

I received a letter today, dated XXXX XXXX, 2016, from Chase bank saying that I had applied for an Amazon.com visa signature credit card. This is totally incorrect and someone is trying to fraudulently apply for a credit card in my name. I would like Chase bank to investigate how this happened, and REMOVE this request from my credit history immediately, as I wish to apply for a loan from another bank. 

I would like a confirmation email that this request has been complied with.
Consumer complaint received 2016-01-15
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (IN)

Mortgage is due on the first of the month and has an late date of XXXX of the month. Bank Chase Mortgage will start calling after the XXXX of the month and sometimes up to 3 times daily. My mortgage is current and never late but it 's annoying when a bank like Chase is allowed to call and ask where your payment is when it 's not even late yet.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment XXXX you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX & XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy XXXX Liability : {$0.00} ; XXXX XXXX  Bankruptcy XXXX Liability XXXX {$0.00}
Consumer complaint received 2016-06-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (KY)

Property taxes were removed from our escrow account twice, XXXX XXXX and XXXX XXXX, but Ditech is refusing to apply the refund back to our escrow account. They have completed XXXX internal audits and still can not explain where {$690.00} is. We have made several calls as well as sent several emails but never get a response. They refuse to allow us to speak with a supervisor. Our escrow account was short to pay homeowners and flood insurance in XXXX because they refuse to credit our account.
Consumer complaint received 2016-12-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (MD)

My husband XXXX, sudden departed this life on XXXX XXXX, 2016, He is the primary holder, I am the co-maker on the contract but not on the title. Since his death I have faced a problem with register the car because his name is the only one on the title. Is there something that can be done. My husband 's daughter has opened an estate without contacting the creditor of his death to my understanding. The payments are so far behind because I have lost his income as a result of this sudden death of a XXXX. I want to know if the title being in his name only was an illegal act, and how can the auto financing company give me relief. 
If the estate does not cure his debts and I was a homemaker what will happen to the debts now that my husband is deceased.
Consumer complaint received 2023-03-28
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-03-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In XXXX XXXX, I obtained a $ XXXX home equity line of credit from Bank of America ( then XXXX Bank ). Unbeknownst to me, the terms of this HELOC were : 10 year draw period followed by a balloon payment, with no repayment period. The typical terms for most home equity lines of credit are a 10 year draw window followed by a 20 year repayment period. During the financial crisis of XXXX, I was forced to max out the line of credit due to financial hardship from unemployment. When the 10 year draw period came to an end in XXXX, BofA ( Bank of America ) wanted a $ XXXX balloon payment. I did not have $ XXXX saved up to make a balloon payment. Also, my loan-to-value ratio prevented me from qualifying for a refinance. This situation forced me into a modification agreement with BofA. During the modification trial period, my credit score suffered collateral damage by dropping XXXX points even though I continued to make timely payments to the line of credit. The modification was completed in XXXX XXXX with the following terms : 180 months, fixed payment of {$380.00}, fixed rate of 3.25 %. Fast forward 7 months, it 's now XXXX XXXX. I receive another package from BofA with new modification closing documents. I call BofA for an explanation. The rep said there were minor changes to my agreement that amounted to my payment adjusting in small increments based on the number of days in that particular month. I specifically asked if I still had a fixed rate of 3.25 %. I was told Yes. I then said I would n't sign documents until the terms were appropriately reflected in the new paperwork. In response, I was told that 's not possible and furthermore, that if I did n't return these documents, my modification agreement would be void. Hesitantly, I signed and returned the modification documents. Fast forward another month to XXXX XXXX. I receive my first statement from BofA post the new agreement. My payment jumped from {$380.00} to {$490.00} and there 's also a note stating that in the next billing cycle, my rate will jump to 3.75 %. 
I am beyond appalled. I was blatantly lied to and taken advantage of. For starters, I should have never been put into the situation of needing a modification in the first place. If Bank of America would have put me in a consumer friendly product like most lines of credit that have a repayment period built in, then this entire situation would have been avoided. Now for them to force me into signing a 2nd set of modification documents that were purposely vague, confusing, and misleading is beyond sleazy. This situation is deserving of corrective action on the part of Bank of America.
Consumer complaint received 2015-11-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I had a Credit card from a company that I defaulted on. Portfolio recovery associates assumed the loan and contacted me. I agreed on an amount I owed and paid the debt. I received a notice of payment and though everything was fine. After looking at my credit monitoring service, I could see that Portfolio recovery associates ( PRA ) reported correctly that the account was delinquent for XX/XX/XXXX, then paid as agreed. However there was another month that showed up, XX/XX/XXXX. I did not agree with this and did a dispute. 35 days later the dispute comes back as updated and PRA now list my account in the same closed status but with the delinquency months being in XX/XX/XXXX and XX/XX/XXXX, 7 months after the account was closed. I contacted PRA and they said everything is fine from what they show and to contact the credit bureaus. I did, and issues a dispute per suggestion of the credit rep and waited another 30 days for the dispute to come back with the same delinquency dates being reported. I contacted PRA again to ask why they would be reporting the same delinquency dates when my account was resolved in XX/XX/XXXX and have documentation from them on that. I questioned why they would not modify the dates on the new dispute if clearly My account had been closed since the beginning of the year. They said they are n't sure and to email the credit information to their disputes department I have that show the incorrect months being reported, which I did and have not gotten any response. I have been working on this issue since they day they reported the incorrect dates in XX/XX/XXXX. It is now XX/XX/XXXX and they still have n't fixed it. I am worried this has affected my credit profile to those creditors who pull my actual credit history and examine - such as an apartment complex as it makes it appear that my delinquency were much more recent than they are.
Consumer complaint received 2015-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (MO)

I have a current issue with XXXX XXXX. They agreed to pro-rate my last invoice. They forgot. I have made several attempts to resolve. I owe for XXXX. They stated, once, they were going to pro-rate the debt. I agreed to send them what I owe them. 

Amsher Collection Agency has called me several times over the past XXXX weeks or so. Each time they called, I disputed the debt. 

Today I spoke to XXXX at Amsher Collection Agency. She said the dispute ca n't be verbal but mandatory, must be in writing. I asked her to check because I thought she was wrong. 

She went on to say in order to get the dispute process started I must make a goodwill payment, what? She then repeated her statement and said yes I have called several times and claim I do not owe the debt but dispute must be in writing.
Consumer complaint received 2020-10-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2015-11-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I become injury at work. On XXXX XXXX my employer let me gosince XXXX XXXX I have been injury and out of work, I contact Bank of America to seeking for help. In three times they denied simply they said YOUR LOAN MODIFICATION APPEAL HAS BEEN DENIED WHAT YOU NEED TO DO NEXT IS SHORT SALE OR DEED IN LIEU OR FORECLOSURE WHAT HAPPEN WITH BANK OF AMERICA. 
" I believe that banking institutions are more dangerous to our Liberties than standing armies. If the American people ever allow private banks to control the issue of our currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property-until their children wake up homeless on the continent their fathers conquered. '' XXXX XXXX XXXX XX/XX/XXXX THEY GIVE ME A MODIFICATION BUT TO BE TRUE AT THE BEGINNING IT WAS OK BUT NOW THE INTEREST IS UP AND UP EVERY YEAR AND AT THE END IT WILL BE THE SAME THAT I JUST PAY WITH COUNTRYWIDE. 
THAT 'S WAY SEEKING FOR HELPI NEED HELP PLEASEON XXXX XXXX I JUST CAN MAKE MY PAYMENT AND I DO NOT KNOW WHAT IS GOING TO HAPPEN IF YOU NOT HELP ME PLEASE
Consumer complaint received 2015-10-04
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (FL)

CitiCards is not Protecting Consumers from FraudAfter exhausting all avenues with Citi and spending a ridiculous amount of my time, I am turning to CFPB to file a formal complaint against Citi for failing to protect their consumers from fraudulent and unauthorized charges to consumer credit cards. 

First, I have maintained a long-term FICO credit rating above XXXX, so I am well respected among the credit and banking industries and this is not a claim without merit. 

Secondly, I have had a CitiCard fraud-proof credit card for more than 15 years in good standing. By fraud-proof, I mean this card is supposed to be guaranteed against fraudulent and unauthorized charges. It has no magnetic strip on the back, no raised account number or letters on the front of the card, and I only use it for internet type purchases. 

History : The XXXX Report or ( XXXX XXXX or other names they go by ) fraudulently and without authorization charged my credit card number they had on file since last year for {$490.00} on XXXX/XXXX/15. 
CitiCards sent me an alert email on XXXX letting me know a large charge had just been placed. 
I contacted XXXX the very same day, XXXX/XXXX/15, asking them to remove the unauthorized charge. 
On XXXX/XXXX/15, XXXX sent an email refusing to remove the charge. 
Since then, XXXX has refused to answer phone numbers or respond to numerous email requests. 

Complaint:1. CitiCards handled this claim as a dispute vs. and unauthorized or fraudulent charge. 
2. CitiCards did not honor my request to remove the unauthorized charge and the Citi investigator incorrectly claimed there were conflicting statements, which means they either did not spend the time to read the responses in their entirety, did not feel it was worth their time, or they just misinterpreted them. 
3. There is no way to counter the Citi investigator 's response as Citi 's first level call center personnel can not acknowledge the investigator made a mistake or did not perform due-diligence in resolving this matter. They claimed it was an irreversible decision. 
4. CitiCards did not protect me from the either fraudulent or unauthorized chare on my account.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I recently did an investigation into mu credit and was horrified at what I found, the items being reported were imprecise and untrue, the agency did not make sure what they were reporting was 100 % accurate before playing a detrimental role in my life and placing these items unfairly on my report without the assurance that they are correct
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

8. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.
Consumer complaint received 2017-03-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Adjusters, LLC (AL)

REFERENCE NUMBER XXXX COMPANY AGREED THIS WAS AN ACT OF FRAUD. IDENTITY THEFT. HAVE SUBMITTED POLICE REPORTS. YET IT 'S STILL ON MY CREDIT REPORT.
Consumer complaint received 2015-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (AZ)

I have an offer on my home that would be a short sale. CitiMortgage is the XXXX lien holder and XXXX XXXX is the XXXX lien holder. CitiMortgage will accept {$470000.00} ( balance is approx. {$520000.00} ) and XXXX wants {$50000.00} ( balance is approx {$150000.00} ), This complaint is against CitiMortgage because they led us to believe that if we raised the {$50000.00} then the short sale could go through. We did raise {$24000.00} and was still working on it when CitiMortgage stated that any additional funds that we raised would have to go to CitiMortgage until the full loan balance was paid and THEN any additional funds could go to XXXX. Below is a Letter from CitiMortgage that specifically states that they would accept an offer of {$470.00} and the rest to help reach the {$50000.00} could then come from the buyer or seller. It does not state that the XXXX lien has to be paid in full! We have worked hard to come up with funds based on this statement from XXXX XXXX at CitiMortgage. Following is the letter that I copied and pasted from CitiMortgage to my realtor : Hello XXXX, We would still require an offer of at least $ XXXX regardless of HAFA or not. If HAFA is cancelled then we would allow 6 % to the XXXX lien and the rest to help reach the $ XXXX could then come from the buyers and/or sellers to satisfy the XXXX lien requirements. 

Sincerely, XXXX XXXXShort Sale/DIL NegotiationsXXXX XXXX *end of emailThere is no way we can pay CitiMortgage in full and then come up with {$50000.00} to XXXX XXXX . I am at my wits end as neither XXXX or CitiMortgage will help to resolve this issue and allow this short sale to go through.
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (NJ)

I contacted XXXX to inquired about my account. I was under the assumption that I had a plus account. The representative advised me that I did not have the plus account and that I had a regular account. She advised me that there was no option for an upgrade on my account to get the plus account and that I would need to apply online for that account, which would be submitting another application for another card. She advised me that if I did reapply and got denied. She advised that I could call in and told them that I applied for the plus card and was denied, that I could the have my account reviewed and get upgraded to the plus card. So after applying and getting denied, I called back in to and was advised that the customer rep that I spoke to basically lied to me and that they are not able to review my account for the plus card. The customer service manager advised that they review the account but can not make any changes to it.
Consumer complaint received 2015-04-07
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MI)

we were harrassed and good credit threatened for 6 days because a payment they electronically took out of my bank account, they applied to a wrong account ... ..nothing on my end ... .all the error on their end ... .and they harrassed us saying they were going to charge us a late fee and report us for late payment when all along they had already taken money out of my account electronically ... .the bank printed it out for me ... they harrassed and harrassed us it was very stressful getting this straightened out and it took alot of phone calls and then we still got robotic calls ... ..
Consumer complaint received 2020-11-26
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)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.