davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have disputed the XXXX XXXX Account several times stating that the account is reporting inaccurate information. Each time, Equifax has responded as account information verified. When the collection account was placed on my credit report, the information was inaccurate and never correct. The Original Balance has always been reported incorrectly. Equifax did not do what is required, make sure that all information is accurate before placing it on my credit report as well as investigating all information when disputed. The wrong Original Balance was always reported wrong but Equifax refused to remove the account as well as never attempted to correct the information. This is a direct violation of my rights. I have uploading supporting documents to my complaint. I have provided supporting documentation that shows where XXXX having to give me a credit due to me over paying on my account. A fair investigation has never been completed by Equifax but Equifax continues to report this account on my credit report.
Consumer complaint received 2016-08-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (CA)

National Credit Systems refuses to send me documentation proving that this debt is mine. They are unprofessional and I believe this company to be a fraudulent den of thieves. The manager XXXX XXXX hung up on me when I simply requested documents to prove this debt is mine. After, I called back after being rudely hung up on and spoke with a " XXXX XXXX '' who told me that paperwork was indeed sent out. This was weeks ago and I have received nothing from them.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA my credit card issuer put a hold on my travel reward points because I exceeded my credit limit on my card. I pay my credit card in full every month- I do not carry a credit balance month to month. My payment was not late. I made a wire transfer to clear some of the balance but it has not hit their account so the hold is now going on day two. How do they have the right to seize reward points I have already earned? I pay my balance in full every month and reward points are earned on the prior months balance. From a financial viewpoint I have earned the points but from a practical standpoint USAA has seized my assets ( reward points ).
Consumer complaint received 2017-04-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (TX)

I I have paid agreed the credit collection agency has not lived up to the promised by  XXXX ,  XXXX  and  XXXX , removing it from my credit report they said they would notify the credit bureaus   XXXX   XXXX   and   XXXX   to have it removed from my credit report they have not done so
Consumer complaint received 2016-08-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

For the second time in less then a year, Bank of America has cashed my personal check payment for my RV loan for {$420.00}, but only credited my account with {$360.00}. My monthly payment is {$360.00}, but I always pay extra, clearly marking it on their payment voucher. This time I paid {$60.00} extra on my loan. I have the cashed check photo copies from my credit union. I also feel this is due to huge internal problems at this bank and is systemic. There could be XXXX other people having the same thing done to them who are not catching this. Additionally, it is not possible to email Bank of America ; only private messaging through their website where there is no written trail of correspondence. When trying to phone them, you wait on hold for up to XXXX minutes and are hung up on.
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Arbitration — 
Company: SYNCHRONY FINANCIAL (MS)

I have an American Eagle credit card. I have been locked out online. I ca n't get in touch with a person to help me. I know I owe something but I ca n't verify the charges to pay. I called the woman who spoke with me kept interrupting me and hung up on me. I have not gotten anything in the mail. I have not received anything. I do n't know what 's going on. No mail, no calls, no email. I need to speak to someone to find out what is going on.
Consumer complaint received 2016-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This dispute concerns my Paid Collection Account [ XXXX, XXXX ] on my Transunion Credit Report file ; The original creditor for this collection account is XXXX XXXX XXXX XXXX. It is my understanding that a Collection Account ( Potentially Negative Account ) is deleted from a credit report file 7 years from the date of 1st delinquency with the original creditor [ XXXX XXXX XXXX XXXX ]. My Transunion Credit Report File only shows the date that XXXX, XXXX received the XXXX XXXX XXXX XXXX account for collection, which was XXXX XXXX. The date of 1st delinquency with XXXX XXXX XXXX mobility should be reported as XXXX XXXX, not XXXX XXXX. I have disputed the accuracy/inaccuracies of this collection account with Transunion, but they apparently will not conduct a thorough investigation which should include contacting XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

I have several unauthorized inquiries reporting to my Equifax Credit Report. I Have disputed these Items multiple times ( the last disputes dated XXXX/XXXX/XXXX according to Equifax and some dating back to XXXX ) with no response to my request showing that these inquiries have been authorized by me. What I receive is not validation that I actually authorized the inquiries but and updated credit report stating " We have received the inquiry information. The results are inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. " I contacted each creditor and Equifax simultaneously at the time I disputed the information and have received no response. I requested to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If there was no proof I requested that the inquiries be removed immediately. I have yet to receive a response to my requested from Equifax or the original creditors. This continues to negatively impact my overall credit and I would like the unauthorized inquires removed immediately. 
Creditor Contact Information. 
XXXX XXXX Creditor Contact Information XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Consumer complaint received 2017-04-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (PA)

XXXX / XXXX /  XXXX   received call at  XXXX   XXXX   XXXX  . Caller refused to give me the name of the company I asked 7 times on the recorded line. I then asked for a  manager  and caller hung up. I called back to speak to  a manager  who gave me their address which is misleading and deceptive as they are calling from  XXXX  a PA number but their address is in Florida. The  manager told me  that they buy telephone numbers to call people in other areas. I find this to be completely misleading and deceptive. The name of the company is ERC at  XXXX   XXXX   XXXX   XXXX  Florida
Consumer complaint received 2018-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I notified Fifth Third bank in XX/XX/XXXX and advised that my pay check with being garnished via my husband at the time hospital bill. and that i would not make enough due to being the only one working due to the brain injury for my husband at the time. I filled out a Hardship application and was denied but continued to make the monthly payments as well as I could. I continued to make payments until XX/XX/XXXX when i was told they would not take my payment and to call the fifth third bank in XXXX. At that time i was advised that i was late so many times on my payment and that they would not except anything but the full past due payment or my account would go for foreclose. 
I have been back and forth filling out hardship applications with fifth third and on XX/XX/XXXX they sent me 3 of my last monthly payments back to me. I still have that check. 
I now have been denied again for the hardship change to my loan and they are advising me that they are going thru with the foreclosure. 

I feel that fifth third is not working with my and i have followed all their steps to prevent this from happening When i call i never get the same answer from the representatives on the phone and no one can tell me what is going on and what needs to be done.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I have a victim of identity theft. My identity theft is well documented. Several years ago I banked with XXXX Bank. XXXX Bank had a data breach in which my name, social security number, driver 's license and date of birth were mailed to several thousand people. I am attaching a copy of a letter from XXXX Bank which outlines the date breach and includes a toll free number for you to call to verify the claim of identity theft directly with the financial institution. My Chex Systems credit score has several factors which dictate the score. XXXX of the factors are the addresses listed as well as the inquires from other financial institutions. The following addresses do not belong to me. I have never lived at the following addresses and in some instances the addresses are not even a real United States home address. In other instances they are addresses in states I never lived in. Chex Systems has refused to honor my request to remove these fraudulent addresses from my credit file. The addressed listed make me much more vunerable to identity theft and they lower my Chex Systems credit score. The addresses I am disputing are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 Many of these addresses I have XXXX and found belong to apartment complexes. Some have different apartment numbers at the same complex. That should be an obvious sign that this is fraud is not me that has done this. Also Chex Systems currently has several versions of my current address which in some cases list my apartment number and in some cases does not. This also makes me more vulnerable to identity theft as mail could be sent to the general apartment complex building and not to my specific apartment. I am also requesting that all versions of my current address be updated to reflect the correct address which is : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I have experienced several financial hardships during the past several years although from being out of work or experiencing the death of a loved one. I have continuously ask for help and during the past two years have submitted at least eight to ten modification packages for any kind of assistance. However, every last package was denied and some probably without review. Not being able to receive assistance I had to file a chapter XXXX to avoid foreclosure. Even after the bankruptcy I have asked for help and once again denied any help. The bankruptcy and mortgage payments on top of my other bills have left me in a desperate situation and facing being homeless. During the past few months, I have been in contact with a single point person from Santander Bank ( XXXX XXXX ) to ask about other options. XXXX called me basically every week which made it appear as if she was really trying to help me come up with a resolution. However, I was wrong and as soon as she convinces me to put in a package for a deed in lieu to surrender the home without penalty, XXXX then expresses to me that I could receive up to XXXX XXXX dollars to relocate ... the option sounded good so I submitted the package. I have not heard back from XXXX and I just received a letter ( motion ) to drop the Chapter XXXX because of non-payment. XXXX was being deceitful and knew that there was no chance for me receive any help with the mortgage. XXXX called me on a weekly basis to pretending to be concerned about my situation but only wanted me to write a letter to surrender the home and knew that I would not receive assistance.
Consumer complaint received 2017-04-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (WV)

Midland Credit Collections,  contacted me at my direct line at my place of employment. They have called several times so far, when I answer I tell them that they are not allowed to contact me at work, this my business line. I work in a call center environment and can not be on the phone for personal reasons. The debt collector advised that since I answered the phone I should resolve the issues now. I have told them several times not to call me at this number. I do n't know how they even got the phone number as I have never provided it to them.
Consumer complaint received 2016-08-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been dealing with Bank of America for 5 years now with foreclosure proceedings. I have done XXXX applications since XX/XX/XXXX. All but XXXX have been denied either because they stated they were completed right, or signed in proper places, a box was n't checked or other issues. Each time they stated these things, I have gone back and seen that it was done. I kept each modification because I faxed them in and my lawyer faxed them in as well. 
In XX/XX/XXXX, we went to court and won a judgment due to the fact that they acted in bad faith. At that time I had only XXXX mod applications in. Intrest fees and attorney fees and late fees were dismissed and were not to be charges after a certain date. That still did n't help with money owed. We then went to conferences to get this worked out and get a modification. Still, even when in conferences, they kept saying not completed and missing paperwork and so forth. Kept denying us, even when my attorney explained to them all paperwork was there and filled out properly. The referee stated as well. 
So, we have put in XXXX application and XXXX denied. The XXXX modification they offered was at least XXXX to XXXX dollars more than we were paying for the regular mortgage. This all started in XX/XX/XXXX, when I tried to get a lower payment, and since I was n't behind my first case manager XXXX stated that we could get a 3 month forebarence. Then after the forebearence period we would be offered a modifictation. 
And would n't you know we were not offered a modification ... .. So even when working with an attorney for 5 years were still not getting anywhere. 
ON XXXX XXXX XXXX I HAVE COURT AND I 'M PROBABLY GOING TO LOSE MY HOME BECUASE THE BANKS CAN DO AS THEY PLEASE AND THEY DONT HAVE TO OFFER ANYONE A MODIFICATION. THE BANKS ATTORNEYS HAVE SUB MITED A SUMMARY JUDGEMENT DUE TO THE FACT THAT THEY STATE THERE IS NO TRIABLE ISSUES. I DONT BELIEVE THEY SHOULD BE DOING THIS BECUASE THEY ARE NOT ACTING IN GOOD FAITH. PLUS THEY DIDNT OFFER ME A FACE TO FACE MEETING BEFORE ALL THIS AND THEY BOUGHT MY MORTGAGE FROM PRECISION FIANCIAL. ALL I WANTED WAS TO GET A MODIFICATION SO I COULD AFFORD MY LOAN. THE BANK HASNT COOPERATED WITH US AND THEY HONESTLY DONT CARE THAT MY FAMILY AND I WILL BE HOMELESS IN A FEW WEEKS BECASUE THE INSIST ON NOT GIVING US A MODIFICATION WE CAN AFFORD. I DO NOT BELIEVE THAT THEY ARE FOLLOWING REGULATIONS AND BEING FAIR.
Consumer complaint received 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: The Leviton Law Firm, Ltd. (CO)

Signed up for marketing tool that was represented would work for my industry - merchant services. When it is clearly a construction marketing service for general contractors after reviewing it. I was told I could cancel and I did. They have repeatedly kept contacting me and my parent company after written and verbal notice to cease all communication from my XXXX XXXX law firm in Georgia.
Consumer complaint received 2016-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My XXXX XXXX XXXX taxes on our homestead had not been paid as of XXXX XXXX, XXXX. On XXXX XXXX I sent Bank of America a copy of a tax receipt for property taxes paid in the amount of {$600.00}. I made another tax payment of {$500.00} on XXXX XXXX and sent a copy of the receipt to Bank of America. I did not receive any reply or acknowledgement from the Bank. On XXXX XXXX, XXXX, I entered into an agreement with the tax office to pay the balance of the taxes in installments. I also sent a copy of this agreement to Bank of America on the same day, XXXX XXXX. With my first {$120.00} installment made to the XXXX XXXX was returned to me on XXXX XXXX, XXXX stating that Bank of America had paid the taxes on XXXX XXXX, XXXX. BAnk of America sent an escrow disclosure informing me that the mortgage payment would increase by {$510.00} for escrow, making my current payment of {$480.00} to increase to {$1000.00}. 
I sent Bank of America a letter certified mail via XXXX day priority on XXXX XXXX, XXXX which was received on XXXX XXXX, XXXX. I protested their interference with my contract with the Tax Appraisal as well as their failure to acknowledge my proof of prior payments. I also inquired as to the {$990.00} refund they received from the tax authority and their failure to adjust my alleged escrow balance. I also inquired as to why I was n't allowed to pay any amounts due less the refund before they chose to double my house payment. To date I have not received any reply. I also stated that my husband and I could not afford to make this payment on our homestead. 
I also requested an answer as to why they have not answered my XXXX XXXX, inquiry to have my husband placed on the mortgage so that he could get XXXX his age and XXXX veterans exemption since we were married at the time the loan was made. H never received a reply to last years inquiry regarding my husbands name being left of the mortgage papers. 
I previously filed with the XXXX on XXXX XXXX, XXXX, however, on XXXX XXXX, they informed me that they could not assist us in this matter and referred us to this agency. The next months mortgage will be twice the amount we already pay and fear that we can not afford to make it and do not want to lose our XXXX.
Consumer complaint received 2016-08-24
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: TD BANK US HOLDING COMPANY (CT)

I had XXXX home equity line on property A, for several years, and had a balance of approximately XXXX in XXXX 2014. I purchased another property ( property B ) for which I paid cash and I moved into it. For months I worked with TD bank to close the LOC on property A and take out an LOC on property B to pay off the XXXX XXXX Property B appraised at XXXX and I have a credit score over XXXX. I sold property A and had to find cash to close the line on property A all due to sheer incompetence at the local office ( XXXX XXXX XXXX, XXXX, CT ) working with an agent named XXXX and a Manager named XXXX XXXX. XXXX XXXX no longer works for TD bank. I finally secured the LOC by working with a women in their corporate office in New Jersey named XXXX. I had to close on the LOC at the local branch on XXXX XXXX XXXX, XXXX CT, again with XXXX and XXXX XXXX. At that time XXXX XXXX seemed to take all the credit for obtaining this loan for me, which he did nothing, and while XXXX tried I am not sure he ever knew what he was doing. At that time I expressed my concern about all the lost time on my new LOC, as I was worried about running into prepayment penalties. XXXX XXXX conveyed to me that if should become the case we could work something out. I received nothing in writing. I signed the documents, opened the new line, and now I have closed it 16 months into a 24 month commitment. They charged me the full {$450.00}, I tried to, work, it out with them, but between being on hold for hours, telling my story over and over, the new ( as of 5 months ) branch manager at the local branch told me to go pound sand. I am extremely frustrated at their lack of continuity, respect for customers time, incompetence in creating this situation in the first place, and unwillingness to try to reach any sort of amicable solution. I do not know if I have any legal grounds to stand on but certainly want them as well at the banking commission to know of my displeasure. Thanks