davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-23
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: EQUIFAX, INC. (NC)

On  XXXX / XXXX /   2017  I disputed  XXXX  hard inquiries online through Equifax that was not authorized by me. Equifax told me that I had to contact the creditors directly and I did that as follows and none of the creditors was willing to remove them because they dont know how to remove them. I then called Equifax and told them the situation and they told me that they could n't remove them as well unless they had a notification. Somebody is not telling me something and I need those hard inquiries removed.  XXXX  of them are from  XXXX   XXXX   XXXX  and  XXXX  of them is from  XXXX   XXXX   XXXX  services.
Consumer complaint received 2017-05-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We tried to modify our home loans however due to my husband being unemployed we did not qualify. We tried the Keeping yo ur Home Calif ornia and we were told that we could not qualify either. So we have had to use the Short Sale process to avoid a foreclosure. The first lender,  XXXX , would be paid off by the short sale approximately $  XXXX , while Bank of America would not, thus becoming a short sale. The issue is that we had to file bankruptcy as well, so the HELOC was discharged as well. When we first applied for the short sale with Bank of America, they could not find the account. It took a long time to finally have a short sale representative from Bank of America finally find it because it was discharged. The BK department at Bank of America had told my Realtor that we should not have an issue getting approved because some money is better than nothing since it was already discharged. With a sale at $  XXXX  from the buyer, Bank of America would net approximately $ 20k+. In addition, Realtor requested relocation funds, and  XXXX  was going to give us relocation funds but since they are no longer making the approval on the short sale, we have to request from Bank of America. The BofA representative said they could not because it is a HELOC. If  XXXX  forecloses, because BofA wo n't approve us, they wo n't get any money, so it does not make sense to us. We wanted to keep our home! We raised our girls here and were happy, but due to financial circumstances where my husband was laid off, it became very difficult to the point that we almost got divorced due to the stress. Thankfully we managed to work through this issue as well. We are not being unreasonable by asking for relocation funds. With a short sale we would be preventing a foreclosure for all involved. Please assist us in having Bank of America with relocation funds.
Consumer complaint received 2016-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: ZIONS BANCORPORATION (AZ)

I had just sold my house and was set to close on XXXX XXXX, 2016, however Vectra Bank of Colorado had not released the lien on my house which was supposed to be released 13 years ago when the note was paid off and the mortgage was obtained by XXXX XXXX. It took us, the Title Company out of XXXX, Colorado and mostly myself to call the bank fill out all the paperwork and talk to them daily if not 2-3 xs a day to get the lien released so the sale could go through. The lien was not released until 10 days later on XXXX XXXX, 2016 I lost over XXXX dollars because my house could not close on the XX/XX/XXXX because they Vectra Bank had not released the lien which was suppose to be released 60 days after the note was sold. I am upset because of the loss of money, I could use that money, and the bank does n't seem to care whether or not they got the lien released or not. I think this is ludicrous. If I were to run my business this way, I would be out of business. I think that Vectra Bank should be made responsible for my loss of monies since they are at fault for not having the lien released several years ago..
Consumer complaint received 2018-03-20
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

THIS APARTMENT WAS MY GRANDFATHER AND HE HAD A REVERSE MORTGAGE ON THE PROPERTY. WE CONTACTED XXXX XXXX WHEN HE DIED ( XX/XX/XXXX ), TOLD THEM WE WANTED TO KEEP THE PROPERTY AND WAS TRYING TO GET A LOAN. XXXX XXXX SOLD THE LOAN # XXXX TO XXXX AND WE HAD TO START ALL OVER. WE CONTACTED XXXX, TOLD THEM WE WANTED TO KEEP THE PROPERTY AND WAS TRYING TO GET A LOAN. WE HAD BEEN KEEPING AN OPEN LINE OF COMMUCATION WITH XXXX. THEY SAID WE NEEDED TO CONTINUE TO CALL THEM AND TELL THEM WE NEEDED AN EXTENTION. WE DID THAT. IN XX/XX/XXXX THEY FILED DOCUMENTS TO SALE THE HOUSE, EVEN THOUGH THEY KNEW WE WERE TRYING TO GET A LOAN ON THE PROPERTY. XX/XX/XXXX WE CONTACTED XXXX AND XXXX ABOUT THE AUCTION DATE AND THAT WE WANT TO BUY THE PROPERTY. THEY THEN TOLD ME WE NEED TO PUT IT IN WRITING. XXXX WROTE US A LETTER STATING THEY NEED OUR INTENT IN WRITING. THEY HAD NEVER SAID THAT AND WE TALKED AT LEAST WEEKLY. I HAVE PHONE RECORDS TO PROVE IT. XX/XX/XXXX AN APPRAISAL WAS COMPLETED. XX/XX/XXXX THE LETTER OF INTENT, APPRAISAL AND THE OTHER INFORMATION THEY REQUESTED. XX/XX/XXXX WE ALSO SENT AN APPROVEL LETTER FROM XXXX XXXX XXXX XXXX XXXX THE BALANCEOF THE LOAN WAS XXXX OR CLOSE TO THAT PRICE. OUR BANKS APPRAISAL CAME BACK WORTH XXXX. XXXX ORDERED AN APPRAISAL ON THE HOUSE XX/XX/XXXX AND IT TOOK THEM UNTI XX/XX/XXXX TO GET BACK WITH THE APPRAISAL AMOUNT. IT CAME BACK XXXX THERE IS NO WAY THAT THE APPRAISAL AMOUNTS SHOULD BE THAT DIFFERENT. I EMAIL AND CALLED XXXX XXXX SERVERAL TIMES AND ASKED HER FOR THE APPRAISAL I received the appraisal. today XX/XX/XXXX and I noticed it stated that all united appraised as {$120.00} How can that be when one unit is gutted. The roof is leaking and the appraisal states that the roof is fine. How is that so? I feel like we are not being treated fairly. 
XX/XX/XXXX XXXX EMAIL ME BACK AND SAID, Attached is a copy of the appraisal. Please be advised that we will not be accepting any customers appraisal. We will continue to use our appraisal, Do you still want to continue with the short sale? I DONT UNDERSTAND WHY SHE SAID SHORT SALE WE ARE TRYING TO GET THE LOAN. 
THE HOUSE IS SUPPOSE TO BE AUCTIONED ON XX/XX/XXXX OR XX/XX/XXXX THAT DOS NOT GIVE US ENOUGH TIME!!!!!! 
I received the appraisal today XX/XX/XXXX and I noticed it stated that all united appraised as {$120.00} How can that be when one unit is gutted. The roof is leaking and the appraisal states that the roof is fine. How is that so? I feel like we are not being treated fairly.
Consumer complaint received 2017-05-23
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 — Investigation took more than 30 days
Company: PNC Bank N.A. (IN)

On  XXXX   XXXX ,    2017, I s ent a certified letter  to PNC Bank re questing proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while informing  XXXX  that the debt has been disputed. Note : This certified letter was signed for by PNC Bank on  XXXX   XXXX  , 2017.    On  XXXX   XXXX ,  2017, I pull ed my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received.   On  XXXX   XXXX ,  2017, I sent  another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.   I then pulled my credit report again on  XXXX   XXXX ,  2017 after th ey signed for the certified letter on  XXXX   XXXX ,    2017 an d the information has yet to be updated to claim I have disputed this debt.
Consumer complaint received 2017-03-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

From XX/XX/2017-XX/XX/2017, TD bank was receiving charges from XXXX of {$32.00}. The charges were attempted and denied a total 4 times by the company. each attempt was charged a {$35.00} overdraft fee. At time of writing, there are others pending as well. 

This was billing error that has since been resolved. TD Bank has full discretion when accepting or denying payments. I do not believe TD adhered to the high ethical standards that it sets for itself.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a known victim of identity theft. This is the third time I have filed a complaint for this exact issue but the credit bureaus keep violating Federal law as well as my rights and there has been no recourse. If I am forced to sue them I am going to seek damages of over XXXX for the time and frustration and the damage to my reputation. I have filed complaints with the Attorney Generals office as well as contacted my congress person. My information was exposed in a Data Breach ( and keeps being exposed repeatedly ). Then the person or people used this information to open a few credit cards and other accounts UTILIZING MY INFORMATION AND PRETENDING TO BE ME. I have not said that the accounts belong to someone else and are on my report incorrectly. I am saying the person pretended to be and committed fraud against me. This information needs to be blocked from reporting. The credit bureaus can not keep ignoring me, it is illegal. They are having the information processed in XXXX and they are screwing everything up. In addition to blocking the information, I demand they send me all of the information regarding the opening of the accounts and the original applications, showing my signature or that I agreed to this. I will take this back to the police since they are the only ones who seem to be willing to help me.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit report, I noticed a dramatic lowering of  my credit score  by nearly  XXXX  points. When researching the cause of my problem, I noticed that an account that was discharged in my bankruptcy was showing past due with a balance. Also was reported was the utilization ratio and no notation regarding the discharging of my  Chapter   XXXX  bankruptcy. The creditor is  XXXX   XXXX   XXXX .  All of these factors caused my score to lower significantly. According to 15 USC 1681s-2 ( a ) ( 1 ) ( A ), it is a violation of the CRA to report inaccurate and incorrect information on credit report. This error has   diminished any attempt to move forward to restore my creditworthiness.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

The account has been dilquent past the 7 year mark. I allegedly opened this account as a student for a student loan. I believe this was predatory lending because I was under the impression that all my loans were under the Department of Education. The representative at Bank of America stated that this loan was based on my income and when I asked what income I wasnt working she couldnt provide any information. At the time I did not know what I was signing and was misled by Bank of America. In addition this loan was sold by XXXX Bank of America to another department in Bank of America in XXXX but has been dilenquent since XXXX. I asked the company to show proof that I made a payment which ai didnt because I didnt recall the loan intitally because I thought all of my loans were all in consolidation. The account is still on my credit report and it should n't be.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

please find attached the creditors letter for which they have approved to remove the negative mark from my credit report on the XXXX XXXX account number ending in XXXX from XXXX of 2016. i have already submitted the letter to the bureaus as received. but they have not yet removed per creditors approval please make sure this update occurs thank you
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Hi, On  XX/XX/XXXX , I submitted complaint  XXXX  against  XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ) i n regards to unauthorized credit card charges  XXXX  was attempting to collect.     Even though this dispute is ongoing and still under review by  XXXX   ( and now CFPB ) ,  XXXX  has continued to assign late charges to this account and notify each credit bureau that I am " delinquent '' in repaying.     On  XX/XX/XXXX , I sent letters to each credit burea u (   XXXX , Experian and  XXXX  ) with documentation of the dispute and status. As per the Terms and Conditions of  XXXX  's  Cardmember agreement-   XXXX  can not not notify any credit bureau that an account is " delinquent '' if those charges are being disputed.     I have received correspondence back from each credit bureau that they have requested additional information from  XXXX  and have placed " fraud alerts '' on my credit report- however,  XXXX  continues to report my account as delinquent and the credit bureaus have not removed this detail.     As of  XX/XX/XXXX , my credit reports reflect this disputed account as 60 days past due, and my credit score has been dramatically reduced. Also- I 'm not sure how my phone number was released or sold, but I 'm now receiving " credit help '' calls which I have to block.
Consumer complaint received 2017-09-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CT)

In XXXX, I had auto and rental coverage with XXXX through my employer which at the time was a state university in XXXX XXXX. After I left this position XXXX sent notices to my residence about the remaining balance for the coverage. I never received a breakdown of the costs of the coverage and the remaining balance. XXXX never offered an installment plan and my file was immediately sent to a company called Credit Collection Services in XXXX, XXXX.
Consumer complaint received 2017-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FCI Lender Services Inc. (CA)

FCI LENDER SERVICES, INC. CONTINUES TO PRESURE ME BEYOND THE STATUTES OF LIMITATION OVER 7 YEARS TO COLLECT ON A DEBT THAT IS NOT THEIRS AND THEY CLAIM I OWE THEM SOMETHING WHERE WE DO NOT HAVE A CONTRACT. ONE IT IS UNDERSTOOD THAT A BANKRUPTCY [ certificate of discharge notice in my possession incorporated by reference XXXX : XXXX ] WAS CLEARED IN XX/XX/XXXX THE MATTER AT ISSUE WAS AROUND XX/XX/XXXX AND IT IS NOW XX/XX/XXXX ...? 4 YEARS HAS BEEN CAME AND GONE AND THEY ARE STATING THEY ARE MY LENDER OUT OF THE BLUE. WHICH IS MISREPRESENTATION, FALSE CLAIM AND I AM BEING THREATENED AND SLANDERED. THE CONTINUED WRONG DOINGS, BAD BEHAVIOR AND VIOLATIONS OF NOT ONLY STATUTES, THE LAW AND CONTINUED VIOLATIONS OF FDPCA, NEEDS TO BE ADDRESS TO THESE CRIMINALS..
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 — Old information reappears or never goes away
Company: Midwest Recovery Systems (CA)

Midwest Recovery Systems keeps renewing the debt. The last activity on the debt was in XXXX. At the time the debt should have cleared from my credit, Midwest Recovery renewed the debt and shows it as a new account that is in collections.
Consumer complaint received 2017-09-05
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

On XXXX/XXXX/XXXX Wells Fargo notified us via mail they had sold our Reverse Mortgage to XXXX XXXX of XXXX, TX effective XXXX/XXXX/XXXX. We are not in default and have faithfully paid all taxes, insurance and upkeep to the property. We have ask how to go about making lump sum payments to reduce our loan but never received an answer. We now find XXXX XXXX is a substandard company and has a lawsuit filed against it by XXXX XXXX thru XXXX. The XXXX of Texas list them as " F '' and advises XXXX XXXX not to deal with them. As a result of Wells Fargo 's actions we are now forced to deal with a company who has a history of preying upon XXXX XXXX
Consumer complaint received 2017-09-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (WA)

I am writing to request the income based repayment option that Sallie Mae assured would be possible when I originally took out these loans. I graduated in XX/XX/XXXX and have obtained a job making XXXX a year, which does not afford me the ability to make the full payment without an income based payment plan. Since graduation, I have attempted to work with Sallie Mae without success. Since I can not afford to pay my whole paycheck, I utilized the rest of my forbearance in hopes of a better option. I also contacted Sallie Mae to discuss whether there were any options left to me, since when I took out the loans, I understood that there would be repayment options like income-based repayments, that would allow me to pay on principal and interest at a lesser amount. 

I have now been told that this is not the case. In XX/XX/XXXX, a Sallie Mae representative spelled it out like this on the phone, I was only given the following repayment options : 1. Take the last of my forbearance option to stall payment during that month of hardship 2. Go to a third part institution and try to refinance my loan 3. Default and hope that once the loan is in debt collection, there might be other payment plans offered to me And that was it. Sallie Mae 's tactic, find a way to pay the balance, refinance through a different company or go to collections to see what repayment options are left to me. None of these ideas are remotely close to the repay back options I was told would exist when signing up. 

Instead, I am left with horrible options that risk my credit and livelihood. Due to questionable business practices on your end, I am carrying the burden of more student debt then I should ever had been issued. I would pay the amount back, if I ever could touch principal balance and start paying my debt. Instead youve made it impossible to succeed in payments, inflated the amount of debt I owe with added fees and regulations and have pretty much guaranteed my failure at repayment. 

These are questionable practices in trying times and I thought that you should know about it.
Consumer complaint received 2017-05-23
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: Experian Information Solutions Inc. (MA)

On    XXXX   XXXX    , 2017 I o btained a copy of my Experian,  XXXX  and  XXXX  credit reports. I noticed there are   XXXX  ac counts in collection with a company called  XXXX . I sent ou t 3 d ispute letters certified mail to  XXXX  using the address they provided on all  XXXX  credit reports on    XXXX   XXXX  , 201 7 . On   XXXX   XXXX , 2017  I received the certified letters back because the address was undeliverable. On   XXXX   XXXX  , 201 7  I then sent ou t 3 m ore certified letters to the  XXXX  credit bureaus including a copy of the certified mail tracker showing the address is undeliverable. I received a response from Experian on   XXXX   XXXX   , 2017 sta ting that the accounts have already been verified and they would not remove the accounts from my credit report. It is my understanding that per the FCRA & FDCPA the bureaus are not allowed to report anything they know to be false including address. These accounts are reflecting poorly on my credit reports which in turn is making it very difficult for m e to obtain credit. My rights are being violated and I 'm not sure what else to do. The information is being reported incorrectly and by law it should be removed from all  XXXX  bureaus.
Consumer complaint received 2017-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (IN)

On  XXXX   XXXX ,    2017, I  sent a certified letter t o Enhanced Recovery Company, LLC a nd  XXXX   XXXX  requesting proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while informing ERC that the debt has been disputed. Note : These certified letters were signed for by bot h Enhanced Recovery Company, LLC a nd  XXXX   XXXX  on  XXXX   XXXX  , 2017.    On  XXXX   XXXX  , 2017, I pu lled my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received.   On  XXXX   XXXX  , 2017, I sent  another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I then pulled my credit report again on  XXXX   XXXX ,    2017 after  they signed for the certified letter on  XXXX   XXXX ,    2017 a nd the information has yet to be updated to claim I have disputed this debt.
Consumer complaint received 2017-05-23
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. (FL)

I s ent two n otarized dispute letters to  XXXX  different credit bureau (  XXXX  and Tranunion ) by certified mail. I received notification that both letters were received. Fast forward over 30 days no response from either credit bureau and they did not note that the accounts were being disputed within the 30 days when I would pull the reports several times during that 30 day period. My disputes were ignored.     Transunion never responded but they decreased  my credit score   XXXX  points instead. However there were no new inquires or credit, my credit utilization did decreased, no new late payments or new collection items and no new accounts closed. I never received a response from either credit bureau. They did not delete anything either.     Please see the below certifiied letter USPS tracking numbers.      XXXX  tracking number #  XXXX  Transunion tracking number #  XXXX