davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-10
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I received a collection letter from XXXX XXXX, XXXX Attorneys at Law attempting to collect on Loan Number XXXX with Bank of America, dated XXXX XXXX, XXXX. 

This mortgage debt was discharged in bankruptcy case number XXXX on XXXX XXXX, XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX were both included in the Certificate of Service, Certificate of Mailing and the final order discharging the debt. 

On XXXX XXXX, XXXX, XXXX Filed Case No. XXXX for foreclosure of the loan XXXX. On XXXX XXXX, XXXX, Order XXXX foreclosure was granted. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed case number XXXX to proceed with the XXXX property for foreclosure and a foreclosure sale. Order XXXX was granted on XXXX XXXX, XXXX giving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the right to foreclose and proceed with a foreclosure sale of the property on loan XXXX. 

XX/XX/XXXX with the foreclosure granted and a foreclosure sale looming, I took a job in XXXX and I moved my family. We have not lived in the house since that time. 

Bank of America claims it took over the servicing of the loan from XXXX XXXX XXXX XX/XX/XXXX. I have records showing Bank of America was servicing this same loan under account number XXXX from XX/XX/XXXX through XX/XX/XXXX. When they claim to have started servicing this loan in XX/XX/XXXX, they were reporting it going back to XX/XX/XXXX. In XX/XX/XXXX, they were collecting on this debt and reporting this debt to credit bureaus even though it was discharged in bankruptcy court. On XXXX XXXX, XXXX, after fighting Bank of America for four years and two months, Bank of America finally realized that they were mistaken and were not entitled to collect and report the delinquency on this loan. 

In XX/XX/XXXX and XX/XX/XXXX, I attempted a short sale contracts with Bank of America which they declined both offers on the house. 

On XXXX XXXX, XXXX, the City of XXXX filed a lien against the property because they had to hire a company to mow the grass. 

XX/XX/XXXX, I had also attempted to do a Deed In Lieu of Foreclosure which stalled when Bank of America 's title company could not locate the title of the original mortgage I had on the house. 

On XXXX XXXX, XXXX, Bank of America started changing Assignments of this mortgage from XXXX, From XXXX XXXX XXXX to XXXX, XXXX and XXXX from XXXX, XXXX to XXXX XXXX. I 'm not sure but I do have an Idea of who owns the loan now. 


On XXXX XXXX, XXXX, Bank of America sends a Notice of Acceleration requiring {$190000.00} incurred post-bankruptcy from XXXX XXXX through XXXX XXXX. 

On XXXX XXXX, XXXX, I receive the letter of Collection from XXXX XXXX - XXXX, XXXX claiming that neither Bank of America nor they have any knowledge of the bankruptcy, which is pathetic on both Bank of America and the Attorney 's office.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom this may concern, This is a follow-up to my previous letter sent to TransUnion on XXXX XXXX, 2016, which to date has not yielded a response. 

I am writing today because the address information on my credit report in inaccurate and this is causing me substantial headache when managing accounts at financial companies. 

Please update my address to : XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I have been living at this address for over 4 years. 

Further, to avoid confusion with banks, please remove any other addresses or mark them as " former addresses '' if possible. 

Attached is the necessary identification, pursuant to XXXX XXXX XXXX XXXX, that establish proof that this account is mine and that the request for modification on my credit report is true and accurate. 

Sincerely Yours, XXXX XXXX XXXX
Consumer complaint received 2015-04-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I started calling Fifth Third Bank at XXXX on XXXX/XXXX/15 I attempted XXXX times to logon to my account and it would not. Hence I attempted to reset my password on the third attempt and it failed. I called the toll free customer service line XXXX XXXX times and XXXX XXXX times but to no avail was I able to reach them. Their customer service center was not to close until XXXX or XXXX. I ended at XXXX because I needed to pay my credit card at least something at {$100.00} until Fifth Third Bank attempted to resolve the financial mismanagement problem. Again XXXX XXXX and his XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX are involved in this scam.
Consumer complaint received 2016-04-23
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (AZ)

Crooked and deceptive Elan credit card still trying to rip off customer. They have found a legal loop hole in order to XXXX the customers who trusted them to be honest in their operations. When i found out these crooks had a work around charging customers interest if they pay off new purchases every month. After they admitted deception and they really have no legal work around they refunded the interest charged. I closed the account to sever ties with the thief 's. The person in customer service failed to tell me that the rewards points earned would be lost. I was NOT informed of this theft of honest earned rewards points. I strongly urge all consumers to stay XXXX away from elan financial as they go out of their way to XXXX the customers over. They have plenty of reptile lawyers to pervert the rule of law to XXXX customers. They are driven by GREED and EVIL INTENT to XXXX the customers any way they can.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion is reporting a paid tax lien beyond than the FCRA Sec.1681c, statue of limitation of seven years. The tax lien was fully paid in XXXX XXXX. The Fair Credit Reporting Act Sec. 1681c. Reporting of obsolete information prohibited ( 3 ) Paid tax liens  which, from date of payment, antedate the report by more than seven years. Transunion is the only CRA reporting this negative item in violation of FCRA Sec.1681c ( 3 ).
Consumer complaint received 2022-07-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southern Fidelity Mortgage Group of Huntsville (AL)

I chose the XXXX XXXX as my lending company as they offered the lowest rate. I was given a VA lock set to expire in XXXX with construction completion scheduled for XXXX. As delays began to occur, I reached out to the lender to express my concern regarding raising interest rates. I received what appeared to be an official letter, on company letterhead, signed by XXXX XXXX himself which stated " Please let this letter serve as verification that we will lock your VA rate at 3.75 % ( 30 years ) for 90 Days ( tomorrow ) for the purchase XXXX XXXX XXXX XXXX AL XXXX. Should construction not be completed per VA standards within the 90-day period, we will extend or relock your rate for no additional fees in the form of origination costs, discount points, underwriting or processing fees. This applies to lender fees only as we can not control 3rd party costs. '' The mandatory language of " we will '' set my mind at ease and I didn't pursue another lender or concern myself with rising rates. Now that a closing date has been set I was sent an email from the lender with a rate adjustment based on current market conditions of 6.1 %. Of course it came with an apology and statements such as there's nothing they can do. The agent went as far as to say they felt so bad about the situation they tried to waive their commission but unfortunately was unable to do so. I called XXXX XXXX who expressed the same sentiment and after I said his actions were unethical and I would be filing a complaint, he attempted several times to offer me a better rate. I decided to change lenders as I have lost all trust and confidence in the XXXX XXXX and have lost tens of thousands of dollars over the course of my loan as a result of XXXX XXXX 's unethical business practices. I should've been given the opportunity months ago when I expressed concern to find a better rate to lock into instead of being sent a letter that isn't worth the paper it is written on. Any help resolving this matter is greatly appreciated. I will be seeking legal representation to recoup monies lost due to this fraudulent letter.
Consumer complaint received 2016-06-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (LA)

XXXX ( previous complaint ). The case reference has probably been closed. However - the same people and Wells Fargo - We finally executed deed in Lieu of foreclosure - XXXX 2015. We got a deficiency notice of around {$46000.00} ( the property under-appraised ) The original Loan was # XXXX ( {$320000.00} )! So they advised that our property was worth a lot less .... however, we recently discovered the property is up for sale for {$330000.00}. Is this legal.. we had to consider the deficient portion as income for taxes ... Please advise on what we can do - they have destroyed our credit at this point. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2016-04-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

Like a desperate college student, I got a private Hesaa NJ Class Loan. I defaulted on the loan, my parent and I put down a large lump sum amount. I was put on a temporary payment plan to give me time to pay the rest. However, if you do n't have the money, you do n't have the money. I made all my payments on time. Received a letter that the balance XXXX was due, called the Attorneys to continue this payment plan, because my family do n't have the lump sum to pay off. We cant get a loan, because this loan in preventing us from getting any outside Loan. So we are stuck. Hesaa, please give families that have defaulted on your NJ CLASS LOAN the ability to rehabilitate their loans.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

The Experian and XXXX Credit Reporting Agencies have not complied with my requests for the removal of the disputed accounts from my credit File and they even claimed that the disputed accounts were verified and are accurate. However, as I have previously complaint, I am asking that the Credit Bureaus provide me copies of proof of verification or proof of ownership and documents bearing my signature to support the Credit Bureaus claims that the disputed items belong to me. Also, I previously sent dispute letters to each Credit Reporting Agencies reporting the disputed fraudulent accounts on my Credit File last XX/XX/XXXX. Once again, I was a victim of identity theft and the accounts I am disputing were the results of such crime. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I am now submitting this CFPB Complaint to request to the Credit Reporting Agencies to remove the disputed accounts completely from my Credit File before I am forced to take legal action and bring this entire matter to a Federal Court. Once again, please remove the following accounts completely from my Credit report : XXXX XXXX  XXXX  XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (TX)

Starting in XXXX of 2020 chase bank started charging my personal acct {$25.00} service fees after they closed my husbands acct down without authorization due to some issues with the acct. we were on the military acct that chase had issued to us and we received an account with no fees for maintenance monthly. Upon them closing the account down that belonged to my spouse, that disqualified us from receiving the account that was maintenance free and now starts charging the account to {$25.00} a month maintenance to maintain it and keep it open. Even though money has not been deposited into the account and it has thrown into overdraft the bank still continues to charge the {$25.00} a month maintenance and accruing the debt even further. I find this to be highly unbelievable and should not be allowed
Consumer complaint received 2017-02-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (SD)

I took out a loan thru Navient formerly XXXX XXXX and I have tried relentlessly to ask them to adjust my payment so that I can afford it. This has happened over many years. There working with loan holders is non-existent. At first my payments were manageable They started at around XXXX and I paid that for a year or so. Than they want XXXX and so on and so on. I have tried working with them and they say well lets do a break down of what you can pay and we see you qualify for those payments and so we did that more than once and then they come back and say well we can not do that because you do n't have enough money to pay that payment. I know they need to get paid I have no problem in that. If I could have paid more I would have but I have other student loans. I have XXXX and I do not know how many times that they made me so mad and XXXX out that I would XXXX. XXXX can lead to XXXX. I gave the phone to my wife and I can remember many times that they made her cry and did n't care as long as they got there money. Now they threaten me with going into default. My credit was good and now I do not even care about it anymore. They want us to commit to a payment I can not afford and so I pay just enough to get by. If we lose the trailer I live in cause I pay them then they will eventually get nothing because I will not have a home to go to. They have also asked at times if I could have a family member pay my payment. I hate talking to them because they just want more and more. I would like nothing more than to have the payment at a XXXX a month. It has tripled and is on the way to quadrupling since I started paying them. Sincerely Yours, XXXX XXXX XXXX
Consumer complaint received 2016-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OR)

Predatory bank practices on our home ; ie, lack of modification two times, will not lower the 8.39 % interest. We were recommended to this agency from our state 's AG office. We believe the actual loan is with XXXX, yet serviced by OCWEN LOAN SERVICING with call centers in XXXX. Lack of negotiations from them. After 12 years and no missing payments from us. They will not be compassionate or care to understand w/o lowering the interest rate. Unfair practices to force retired, good people like us into foreclosure and lower standards of lifestyle from own home.
Consumer complaint received 2022-08-10
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: NORTHERN OHIO INVESTMENT COMPANY (MI)

On XXXX XXXX from victory mortgage company ran my credit without my authorization ( from an old application from a year ago ) for someone else that was applying for a loan they said he was my husband so they conjoined our applications and information but he is not my husband I didnt even know this person and ask why didnt they call me to confirm this.. Then they lied again and changed their story. All the while lifelock was on the call as well. My application should have been closed from a year ago due to me deciding not to get a loan from them because of the bad reviews I saw during that time But I see they never closed it they kept it open all this time, I havent been in contact with this company until now regarding the alerts to my lifelock account. The lady from the company said they would reverse it. I called XXXX, XXXX and XXXX to put a freeze on my credit file. On XXXX I reported this to the police, and now Im reporting it to CFPB.
Consumer complaint received 2015-10-06
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ROC Asset Solutions, LLC (UT)

My sister, my daughter, my son and others have numerous voicemails from XXXX, XXXX XXXX XXXX stating fraud complaints against me and threatening legal action if my family or other referenced individuals can not get me or my attorney to call them back. There were calls from XXXX XXXX XXXX XXXX ext XXXX ; XXXX ( supervisor ) XXXX ext XXXX, XXXX XXXX XXXX. 
The major complaint is API divulging sensitive information to parties other than myself and scaring and harassing family members and possibly fellow workers who have access to work phone voicemail.
Consumer complaint received 2021-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I remote deposited an e-check of {$4800.00} from a group of people acting like HR of XXXX company using Chase Mobile app. The status of this transaction was first shown as " Pending '', and then switched to " Completed '' after 1 day. My understand of the " Completed '' status is that the transaction process was completed successfully : The issue bank have finished transferring the fund into my account at this moment. With the deposited money, I then transferred money to the scammers using XXXX ( integrated in the Chase Mobile app ) in two batches, {$500.00} ( XX/XX/XXXX ) and {$2000.00} ( XX/XX/XXXX ), and sent another {$2300.00} via BitCoin ATM ( XX/XX/XXXX ). These money were requested by the scammers to purchase WorkFromHome equipments. But on XX/XX/XXXX, the check was returned as altered/fictitious. I don't understand why the marked the transaction as " Completed '' while it is not, so I believe the Chase Bank should be 100 % responsible for my lost. 

The same cycle happened again and it directly related to the misleading information given to me by the Chase mobile app : I received another check of {$3600.00} from the same scammer group on XX/XX/XXXX, then I sent {$500.00} ( XX/XX/XXXX ) to the scammers via XXXX. 

Fortunately on XX/XX/XXXX I noticed the returned check shown on my screen, and stopped further deal with the scammers. 

To summarize, due to the misleading information given by the Chase Mobile App, I lost {$5300.00} in total plus return check fees charged by Chase bank. I believe Chase should be fully responsible for that.
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

Back in XX/XX/XXXX i was sent a letter from a company called " XXXX ''. they were writing to notify me of an old debt that was owed and i needed to pay it or they were going to place the item on my credit report. After some of my own research, I discovered it was a debt that a court awareded to my ex wife over 8 years ago ( the original creditor was Springleaf Financial ). So, i tried to reach the company at the number they provided but with no luck. it appeared to be a bad number because every time i dial it all i got was a fast busy. So, i mailed them a dispute letter ( because you have 30 days to notify the company that you dispute the validity of the debt ). I disputed it under section 809 of the FDCPA. Well, XX/XX/2017 they placed the item on my XXXX credit report. I filed a dispute directly with XXXX citing that per the FCRA rules the date of first delinquency was over 7 years ago and the item should be removed. so they deleted it within two days. I didnt realise they put it on my XXXX report until i checked that report today, So i submitted a dispute directly with XXXX today ( XX/XX/2017 ). I 'm writing because this company appears to not follow FCRA rules or FDCPA law and I feel they should be investigated. Also, another reason they should be investigated is not only did i receive the letter from XXXX, i also got a letter last week from a company called " XXXX '' who claim they manage the account with XXXX. This could and would likely be very confusing for the consumer. Meaning, a consumer may not know that its the same account. Having said that, I submitted two notifications to this company XXXX advising them that i am still disputing the debt under FDCPA law but also that per FCRA rules they can not report this on my credit report anymore. I have noticed that they appear to get away with the reporting side because they do not include the date of first delinquency to any of the credit bureaus. So if a consumer is not watching their report a company like them will put the items on the credit report and potentially get away with it. hopefully with my writing the CFPB these companies can change their practices and stop trampling on the rights of consumers.
Consumer complaint received 2018-03-19
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)

My Fair Credit Act Rights have been violated by Transunion and XXXX XXXX XXXX, The reporting agency and creditor keep reporting false infomation. I've sent 2 letters to the creditor asking for verifcation with both being returned due to inaccurate address being reoprted on Transunion file. A creditor has to maintain accurate information on file with the credit agency, XXXX XXXX XXXX   violated those rights also. I demand this account be removed immediatley from my Transunion file. No creditor or reporting agency has the legal right to report false information. To make matters worst Transuion sends a letter stating they will not reinvestigate this matter again, when it was never investigated the legal way. I've been dealing with this issue since XX/XX/2017. My next step will be legal actions against both companies, if this matter is not resolved.
Consumer complaint received 2020-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was requested Verifiable Proof for the attached accounts. Per section 609 of Fair Credit Act. That information was never received or provided. I request this accounts be removed as it has been over 35 days and no real investigation ever took place.