davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

After reviewing my credit report in detail at the XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

We requested " description of reinvestigation procedure '' multiple times. The not only did n't respond within 15 days of receipt but they simply ignored the request entirely. See attached letter and certified receipts. XXXX and XXXX responded within time allowed saying they could n't fully verify and comply with the request so they took it off. 

Accounts in question are : 1. XXXX XXXX XXXX ( creditcard ) - First date of delinquency is 7 years 2. XXXX - First Date of delinquency is 7 years Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
Consumer complaint received 2016-05-03
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (KS)

I am a small business trying to transfer money to a contractor in XXXX that translated our website to from English to XXXX. Western Union had put my transfer on hold 3 times before approving it, withdrawing the money from my account, and telling me that the transaction would go through on XXXX XXXX ( today ). I got another message that the transaction is on hold and that they need a copy of the recievers photo ID. I decided this was too much of a hassle and tried to cancel the transaction only to be told I still need a copy of the recievers photo ID before they 'll refund the money to MY account.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (TN)

XXXX hard inquiries by CBNA ( XXXX XXXX, 2016 and XXXX XXXX, 2016 ) appear on my credit check provided by XXXX. Neither of these hard inquiries were requested nor approved by me. I was not only living overseas during this time period but also delivered a baby -- seeking an additional line of credit is not something I did. 
XXXX is unable to resolve the unapproved inquiries as they said they only report on the facts. Thus I called Citibank who would not provide me any information other than requested I " contact the credit bureau '' and suggested perhaps there was fraud. 
I believe either CBNA made unauthorized checks on my credit history or someone was attempting to fraudulently open a line of credit in my name.
Consumer complaint received 2017-01-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (GA)

I began receiving phone calls from several different numbers and each time a message is left there is no mention of name as to whom the message is intended. The message only identifies as being from a debt collector demanding a return call to Dynamic Recovery Solutions at XXXX. Each time I receive a phone call it is from a number in Georgia with the most recent being from numbers listed as cell phones. I do not owe any debt to this company nor have I received any written communication as to what this pertains, nor am I past due on ANY of my accounts and have n't been in more than seven years. After checking the internet for information regarding this company I have learned they contact consumers on debts that either do not belong to them, false debts, or on debts that are beyond the statute of limitations and attempt to " restart the clock '' on old ( passed the statute of limitations for collections ).
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on my credit report for TransUnion, I do n't recognize one of the credit card with balance of {$600.00} I have XXXX other cards on the same financial institution but I do n't see this XXXX anywhere. plus i do n't see them in my other credit reports ( XXXX and XXXX ) please remove this XXXX from my report. 

Thank you
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NJ)

I walked in Chase and met mortgage manager. 
I signed mortgage application on XXXX XXXX and gave them most of documents the next day they requested and more additional documents on middle of XXXX. 
I mentioned closing date is XXXX XXXX and they said okay. 
I brought {$100000.00} from XXXX and they requested document regarding this money again so I sent it on XXXX XXXX and I told them if they needed clear XXXX, let me know right away. 
But they never contacted me until XXXX XXXX. 

I got an email from loan proccesor on XXXX XXXX that she needed clear document about korean money which I sent on XXXX XXXX. So I sent it on XXXX XXXX because it was Satuday in XXXX. And they kept asking me more documents and failed closing date without noticing me. 
There were plenty of time to request this. But they never contact me until XXXX XXXX and kept asking me more documents. I did n't know I should prepare lots of documents if I bring money out of state but if they contact me earlier, I could have prepared everything perfectly like I did. I sent every documents the same day or at least the day after they requested. In this process, I tried to call mortgage manager I contacted at the first time, but he did n't get my calls, sent me text " I am in the meeting. I will call you asap. '' and never called me back. 
Anyway, chase failed closing date and told me " Do n't schedule the closing date until we notice you ''. Seller asked me to pay seller 's cost and I accepted. It is {$45.00} per day until XXXX and {$90.00} per day after XXXX. 

Then, I got an email from my attorney that the lender contacted closing coordinator and they can close on XXXX. I was happy and all parties set up the time and are waiting closing date. 
And today I got an email from my attorney again that Chase want to close XXXX. 
I have got lots and lots and lots of stress because of the loan and I thought now it is all done but then again, they changed the date! 
It was the lender who set up the closing date, XXXX and now they have changed the date. 
Now I have to seller 's cost three days more because it is XXXX weekend. 
And I am not sure if the lender really want to close this case. 
I ca n't trust Chase anymore. I chose chase because I am chase private client and I have had chase account for 9 years. I ca n't do anything because I am in weak side and the lender has money I need. But this is too much. 

Every chase person has this quote in their email " If you are not 100 % satisfied with my service or your experience with Chase at any time, please let me or my manager know right away. Our contact information is below. Thank you for choosing Chase. '' What a silly joke!
Consumer complaint received 2017-01-04
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC. (DE)

You previously offered {$75.00} to resolve the balance for the above-referenced account. In keeping with Midland Credit 's Consumer-First policy, Midland Credit is prepared to accept your offer. Please see Midland Credit 's comprehensive response letter, which is attached for additional information. THIS IS INFO I GOT FROM MIDLAND CREDIT YET HAVE ASKED THEM TO SEND ME IN MAIL SOMETHING STATING THATIF I PAY THE XXXX BUCKS IT WILL COME OFF XXXX XXXX CREDIT. NOTHING HAS EVER COME. WE PUT A CEIST AND DESIST ON THE ACCOUNT AND THEY STILL CONTINUE TO CALL AND HARASS US.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (NJ)

Spent a XXXX on a simple credit score check. Was somehow automatically enrolled in and charged extra money for services I opted out of. Only discovered that I was enrolled after receiving emails with a detailed credit report and seeing charges for {$20.00} plus dollars in my bank account. This also happened to my husband and we had both opted out of these extra services but still were enrolled in them anyway.
Consumer complaint received 2017-03-09
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Santander Consumer USA Holdings Inc. (MI)

I have a loan with Santander consumer USA. My loan amount is XXXX, I make a monthly. payment of XXXX. According to my statements, XXXX is the payment, and XXXX is interest. But when the payment is applied all overage is applied to interest. I have called in several times to have the payment overage applied to the principal. They just will not do it. I keep getting told I have to wait for the request to be processed, 3-5 business days. The last time I called in, XX/XX/2017, another request was put in to their finance dept by XXXX ( a supervisor in there off shore customer service office ). Now she tells me I have to wait another 5-7 days. meanwhile there is over XXXX dollars applied to interest instead of principal. How do I go about getting this issue corrected. Thank you for your help with this matter.
Consumer complaint received 2016-05-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ESCALLATE, LLC (OH)

I spoke with this collection agency about accounts in my name and XXXX representative was extremely rude and disrespectful. Prior to speaking with her i received threat phone calls with this agency {$100.00} and more. Every time i speak with a deb collector i ask for a full description of any bill and all other information needed to confirm any amount due. I advised that my insurance paid these accounts and she did not listen and tells me that i have more account than what is reported on file. The information they have of me phone number, address, are all invalid information. I have accounts on my credit report and was not informed by any such debt by mail ever.
Consumer complaint received 2016-12-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was the victim of an Illegal Debt Collection Lawsuit Mill owned and operated by XXXX XXXX XXXX XXXX XXXX, a Georgia-based law firm. From what I can tell, apparently XXXX XXXX XXXX XXXX XXXX take care of all the legal proceedings for XXXX XXXX, a company that purchased my credit card debt from XXXX, in the amount of {$3500.00}. 

Back in XXXX, I went through a financial hardship, and was having difficulties maintaining my mortgage payment and keeping up with credit card debt. I had no choice but to walk away from our home and all debt. As a consequence for my financial irresponsibility, my credit score dropped all the way down to XXXX and stayed there for over 7 years, making it very hard for my wife and I to purchase things like automobiles, a new home, or get any type of new credit. 

At the XXXX, nearly 7 years later, most of that bad debt started to drop off of my credit report as a result of the Fair Credit Reporting Act ( FCRA ) rules and regulations. Through secure credit cards and other means my credit score started to improve ( XXXX ). 

Then in XXXX XXXX, while logging into my credit monitoring account ( XXXX ), I noticed that my credit score had dropped significantly. It was the result of a new default judgement showing up as a public record. Here are the details of this judgement : Date Filed : XXXX/XXXX/XXXX Reference # : XXXX Court : XXXX CO Magistrate Plaintiff : XXXX XXXX XXXX Amount : {$3400.00} I was never given notice of this lawsuit, nor was I ever served. I believe this debt had already exceeded the statute of limitations from the date of last activity ( DLA ). Yet, it is not haunting me, and preventing me from purchasing a new home many years later. 

I also found this article published on your site related to the the unethical business practices used by XXXX XXXX XXXX XXXX XXXX, in attempt to make financial gains, through the use of questionable default judgements, at the expense of their victims. 

http : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-to-stop-illegal-debt-collection-lawsuit-mill/
Consumer complaint received 2017-02-24
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (CT)

I was trying to buy a distressed house in XXXX CT using FHA XXXX loan. My lender was AnnieMac, seller XXXX Mortgage represented via XXXX Real Estate 's agent XXXX. Due to excessive scrutiny imposed by the lender I was unable to find a contractor to work on the house in due time and informed about it the lender on XX/XX/XXXX ( 23 days before proposed closing date ). The loan process should have stopped at this point, however the lender essentially forced me to continue by ordering an appraisal and XXXX consultant inspection, {$450.00} and {$500.00} respectively. Eventually we have received a bid from a contractor but it was too late, there was not enough time for underwriting. The seller refused to grant extension, but then asked for $ XXXX!!! fee for delay. My attorney advised me to execute finance contingency to avoid loosing my earnest deposit ( {$1000.00} ). 
As a result of this I was unable to buy a house and lost {$1900.00} in fees ( inspections, appraisal, attorney ). I 'm currently also unable to return my earnest deposit, even though my attorney made every effort for this. 
The lender business practices are completely unacceptable and appear as predatory lending tactics, and led me to major losses. 
Same applies to the seller of the house, which is also a mortgage company - they asked for atrocious fees for extension of closing date and now refuse to return my earnest deposit without even stating any reason. 
The seller 's agent does not return calls, and does not respond to emails. 
Please help to bring the justice here, I have done nothing wrong, yet lost substantial amount of money with no hope on recovery. 

Thanks, XXXX.
Consumer complaint received 2016-06-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America manipulated the order of the transactions in order to charge overdraft fees. I checked my balance through the app and the website on Friday ( XXXX/XXXX/16 ) and Saturday ( XXXX/XXXX/16 ) and I had a positive balance in my account. I also received a transfer to my account on Saturday and at this point, my account still was in a positive balance. I check my balance on Monday ( XXXX/XXXX/16 ) and I found out that Bank of America charged XXXX overdraft fees on Friday. From these fees, there is XXXX that calls my attention ; I made payments to my Bank of America credit card on different days, but they process XXXX them on the same day so they can charged me more. In summary, they manipulated the order of the transactions so my account would look with not sufficient funds, when in relaity I had funds during the while weekend.
Consumer complaint received 2016-06-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: POPULAR BANK (IL)

I have been making my monthly payments though automatic payment though my bank 10 days before the due date every month. Last year I discovered that my credit report was stating that my payments were late every month for over a year. I contact Popular Bank and they were missing 2 payments. After I emailed them this information, the issue was fixed. After that it took them 3 months to fix the mis information that had been reported to my credit. This was in XXXX 2016. Since then they have once again started to report my payments late again for the last 2 months. I have contacted them again and was told my account was up to date and to send them my credit reports again. I should have to call this company every month to make them do their job.
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I LOST PROPERTY IN MY BASEMENT WHEN THE SUMP PUMP WENT OUT OF POWER. I MADE A CLAIM TO MY CREDIT CARD COMPANY THRU THEIR BENEFIT CLAIMS BROCHURE. THEY DENIED THE CLAIM BECAUSE I USED THE WORD FLOOD INSTEAD OF WATER ON THE FLOOR THAT DAMAGED MY PROPERTY. THEIR BROCHURE ALLOWS COVERAGE FOR ACCIDENTAL WATER DAMAGE FROM HOUSHOLD PLUMBING.
Consumer complaint received 2017-02-24
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (TX)

Stoneleigh Recovery Associates LLC ( XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX continues to call and harass me over a supposed debt collection matter at my place of employment. I have informed them on more than one occasion that the number they are calling is a work number and that I can not accept these types of calls at work. I have pictures of phone log from this week with calls made to my work number every day this week. Today XXXX XXXX from Stoneleygh Recovery Associates XXXX called my work number and I again informed him not to call me at work, he continued harassing me saying that there was no other way to contact me and that he was attempting to collect a debt. Earlier this week someone from Stoneleigh Recovery Associates LLC spoke to my boss and informed him that they were calling looking for me to settle a debt I owed. Stoneleigh 's aggressive call tactics are harassing and have put my job in jeopardy. I was told at work that I can not receive these types of calls anymore. I have no other recourse than to file a complaint against them for repeatedly calling my place of employment after I have asked them not to and for threatening/intimidating me by providing private information about a personal debt matter to my boss at work. Stoneleigh Recovery Assets LLC is repeatedly contacting me at my place of employment after being told that my employer prohibits it. I have tried to call them after work on numerous occasions and can never reach anyone. I am concerned someone has my personal information that is not a legitimate company and will use my information illegally.
Consumer complaint received 2017-01-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Hello, I am a victim due to Bank of America 's actions. I am currently a XXXX year attending the University XXXX, and during my XXXX break, I was actively seeking for internships. I applied through XXXX XXXX, and one day I received response from one of the companies. That day the company and I had an virtual interview via XXXX. The next day, the company talked more about my details and issued a check which should be used for the virtual internship that I will be doing the XXXX. However, they told me they wanted me to begin training now. After depositing the check, I felt that something was wrong. So I did research and found articles that this internship could be a scam. So immediately I canceled the deposited check or tried too two after it was deposited. However, Bank of America immediately closed my account. I called Bank of America to explain the situation and they told I could do nothing since the check was fraudulent except of mailing evidence to their Risk Management office evidence that I was innocent in which I did. I just think this situation should be reconsidered because I have not used any of the money from the fraudulent check, I tried to cancel the transaction, and that since I am a college student almost about to XXXX a bank account is needed for me ...
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

This complaint is per your offices request I am sending you this formal complaint concerning EXPERIAN, XXXX their business practices. These XXXX bureaus continue to report inaccurate information. 

In the years from XXXX my identity was stolen. I discovered this because an auto loan was opened and several inquiries, where someone has continued to apply for credit in my name.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

I had disputed and tried to get some late payments that were reported by mistakes made on the banks behalf to no avail. I sent in the letters received from the creditors apologizing and wrote my letter to the bureaus requesting a dispute and to please review my documents. This company I feel has done right by me until now. Now I feel like because it was the holiday season that my stuff does n't matter. I did file a complaint and I hope this lack of responding is n't retaliation. I 've downloaded some more documentation showing missteps and violations of credit report on behalf of this company. let me know anything else thank you, XXXX