davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I opened an account with Bank of America shortly after my XXXX XXXX in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from bank of America informing me that my account was being closed due to fraud. I never committed an act of fraud. Bank of America has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmfull action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with bank of America for the past 3 years unsuccessfully. I attempted to resolve the issue with XXXX and XXXX XXXX directly but they report that Bank of America is standing by the fraud claim with no evidence to substantiate the claim.
Consumer complaint received 2015-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Two years ago I made a Trust Deed Investment to someone in a group of Real Estate Investors and I insisted that the loan be against a property in California, XXXX XXXX XXXX, XXXX, Ca. XXXX,. As it turned out the investment group was involved in a XXXX scheme. I wound up foreclosing on the property because they stopped paying the interest on the loan. The XXXX loan is held by SLS llc. The XXXX loan was made to XXXX and XXXX XXXX-the people I foreclosed upon. SLS LLC refuses to put the XXXX loan in my name, even though I paid up close to {$19000.00} to get the loan current. SLS LLC keeps telling me that they will only release information on the XXXX loan if the XXXX give the ok. Because I foreclosed on them, this will never happen. SLS LLC will not accept my new insurance on the property, will not put my name on the first, and will not communicate with me. I have sent registered letters to the CEO at SLS LLC headquarters, XXXX XXXX, on XXXX, 2015 as well as XXXX XXXX , V.P at SLS LLC . I also sent a letter to SLS LLC Headquarters and faxed a copy to them just to make sure. They replied with a statement that they could not identify the associated mortgage loan with the information provided-I provided the address of the property on the first line of my letter to all of the above, i.e. the XXXX, the XXXX, the headquarters fax as well as mailed letter. 
XXXX XXXX received the updated trust deed information to confirm my acquiring of the property-yet they have refused to put my name on the property and the first loan. They will not even refer me to a supervisor as I have requested. They are the worst mortgage company, or any type of consumer company, that I have ever communicated with. Now I do not know how much the monthly mortgage payments are, and the mortgage is due on XXXX XXXX, 2015. WHAT AND HOW MUCH DO I SEND IN TO COVER THE MORTGAGE????? 
Included are trust deed affirmation in my name, the letter I sent to SLS LLC -the CEO, VP and Faxed and mailed to the company. Finally, in the letter is the civil code which shows that am legally, in the eyes of the law, the new owner of XXXX XXXX XXXX, XXXX, Ca. XXXX. All this info was in the letter-yet SLS LLC stated they it was not in the letter. They did nothing to rectify this problem. I have since gone on the internet and the complaints against SLS LLC are numerous and all the people dealing with them have had similar or the same poor if totally lacking service from this company. PLEASE TAKE ACTION ON THIS COMPANY ASAP. This is my second complaint to you and have had no luck in even basic communication with this company, even though I have included my phone number in every communication, as well as address. 
Thank you, XXXX XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX XXXX
Consumer complaint received 2016-03-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (PA)

I am a victim of XXXX in the way of financial, XXXX abuse. 

My ex husband opened this account in my name for a computer because if I remember correctly he could n't get a loan. It should have been a red flag then. 

They had called incessantly for years and he has never resolved it. 

Could you please look into the original documents and how this was opened in my name. I looks as if it was done with some kind of credit card, so he could have used my information without needing my signature. 

He has been sued for fraud and had a {$160000.00} judgment against him. Ran over my foot and left the scene and it was considered a XXXX XXXX, but the judge just charged him a fine. He also owes the IRS, Lost our home etc ... And yet Nothing is his fault
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Personal Information : Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-03-16
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Experian Information Solutions Inc. (MO)

I applied for credit with XXXX XXXX expecting them to run my credit with XXXX for financing. They initiated XXXX inquiries to obtain financing for the vehicle. This was not disclosed to me. It has damaged my credit for over a year now. Businesses should not be allowed to do this without first advising consumers what they are going to do and what the impact of that can be on them.
Consumer complaint received 2015-04-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Protection Association, L.P. (MO)

These are computer generated phone calls at least XXXX times a day even on saturdat.they leave me a message and have my last name spelled wrong.so then they say they are a consumer credit counseling co.and someone is trying to sue you.but when i called their number they answer as portfolio credit collection agency lying about who they are.i am on social security XXXX and are being treated by a XXXX from the veterens adm.for XXXX XXXX and the constant phone calls are making it difficult to get better
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally notify you that I am a victim of identity theft, which has resulted in the unauthorized addition of fraudulent accounts to my credit report. Under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts : XXXX Accounts : XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX} XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$XXXX}
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Bank of America , N.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX, XXXX. 
Property Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Loan No. : XXXX. 

I have submitted a Request for Modification Application to to Bank of America 25 times in XXXX of XXXX i finally received a trail modification. 
I made all payments required and signed and sent in a final modification agreement, the bank claims they never received it and denied my modification. 
i then resubmitted many modification application in an attempt to have the bank provide me another modification. 

I have submitted the required documents to the banks office and confirmed a complete package is received, I also have a pending foreclosure sale date and the bank have not acted to suspend the foreclosure and cancel or postpone my sale date. They are duel tracking my loan, the same exact actions they were sued by the government which you have agreed to a settlement in lieu of a judgment commonly known as The National Settlement Program. 
The bank agreeing to the consent order is very clear of your actions then and still now. 
The bank also provided me notices that my loan was part of this Settlement. 
On XXXX XXXX, XXXX, I sent to the bank 's office a letter accepting the trail modification with a principal reduction under the terms of the national settlement agreement, and I made more than 9 trail monthly payments and sent in the signed final modification agreement to your offices. The bank claimed you never received such agreement and denied my application. 
I have submitted more than 5 more applications, all of which have been denied and ALL NEVER REVIEWED FOR THE NATIONAL SETTLEMENT PROGRAM. 
I am demanding action from your office to overlook the review of my loss mitigation file to ensure the reviewer is reviewing for the National Settlement Program. I also demanding a letter from your office indication clearly why I am not being reviewed for the National Settlement Program. 

You are required by Office of Mortgage Settlement Oversight and Office of the Comptroller of the Currency, are required by law to continue with a review under the National Settlement Program, even if you do not offer any government programs. Your denial did not include the under the National Settlement Program. 

At the time you must inform the bank as NOT to move forward to request a new sale date, a clear violation of the Real Estate Settlement Procedures Act, XXXX XXXX. XXXX. 
I AM DEMANDING A VERIFICATION THAT YOU WILL BE enforcing the bank to be REVIEWING MY LOAN UNDER THE NATIONAL SETTLEMENT PROGRAM. 

thank you please contact me by mail at the address above.
Consumer complaint received 2016-03-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC (IN)

The first communication that I received from the debt collector was a court summons delivered to my mother in laws home. I received the summons in hand a week later from her. The summons stated that i alledgedly owed money to the debt collector. There was no advisement that I had the right to dispute the debt and that I had 30 days to demand that the debt collector validate the debt. I then attempted to demand validation of the debt after doing online research. i sent a certified letter 9 days ago on XXXX XXXX, 2016. The post office told me today, XXXX XXXX, 2016 at approximately XXXX XXXX that the certified letter had been attempted to be delivered on XXXX XXXX, 2016 ( 2 days after I mailed it ) but was not accepted by the debt collector. So as of today, XXXX XXXX, 2016 I am withoyut knowledge or information sufficient to form an opinion as to the truth and accuracy of the claim and based on that i deny generally and specifically the claim of debt to this collector.
Consumer complaint received 2015-09-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AE)

Several years ago, I learned of XXXX student loans on my credit report when applying for a home loan. I contacted XXXX XXXX and they stated that I cosigned my ex-wife 's loans. I denied ever signing her loans and requested a copy of the contracts. After many months of many requests, XXXX XXXX sent the contracts without my signature but with an unknown email address and random sequence of numbers. When I spoke to XXXX XXXX, they said that the contracts had been signed electronically with the falsified email addresses ( XXXX separate email accounts ). I denied ever having access to these email accounts and asked how my identity was validated, which I never received a response. Instead, I was referred to their fraud department. 

XXXX XXXX 's fraud department instructed me to file a police report to have my name removed from these accounts. Immediately, I filed an identity theft report with the FTC, police report with my local police department and the police department where the fraud occurred. Neither police department would pursue the case because the majority of the loans were outside of the statute of limitation. Secondly, I was informed by XXXX the detectives that because the allegation of fraud was my ex-wife, the issue was a civil matter, not criminal. 

When I contacted XXXX XXXX with this information, they told me that they would not remove my name from the account without validation of forgery from the police. They recommended that I take my ex-wife to court. Afterwards, I retained an attorney and was awarded an enforcement order against my ex-wife to indemnify me from these loans. During the legal process, the loans transferred to Navient Corporation. I spoke to their fraud department and sent a copies of the the court order and police reports ; signed affidavits from people that could attest that I never used the email accounts used to cosign my name in the loans ; proof of an unrelated document that I discovered my ex-wife had forged my signature ; copies of tax returns to demonstrate false information provided about my employer and salary ; and proof that I had been XXXX and XXXX when XXXX the loans were signed. Navient did not respond. 

After I had received the court order, my ex-wife defaulted on the loans. Consequently, Navient has reported this information on my credit report, resulting in a XXXX point loss in my credit score. This has resulted in revocation of credit lines with my banks. Also, I have been counseled by my employer that my security clearance may be revoked as a result. 

I tried resolving this issue with Navient but they will not release my name from their records. It appears that my only recourse is to spend an additional $ XXXX for an attorney to hold my ex-wife in contempt. Regardless, this will not stop Navient from trying to collect from me.
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I attempted to shop for a good rate for a car in XXXX of 2014. I went to XXXX XXXX dealership and I received XXXX hard inquiries on my credit report and my score dropped between XXXX points!. I applied for rental housing and was denied based on my credit. How can I get these inquiries immediately removed from my credit report?
Consumer complaint received 2016-03-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (TX)

During the loan period on a vehicle I purchased from XXXX of XXXX XXXX, XXXX ; I was making scheduled payments on time with auto-pay through a debit card recommended by Social Security Administration. At one point in the payment period of the loan the finance company ( Universal Acceptance Corporation of XXXX XXXX ) attempted to withdraw two payments for the same month without success. They called about every other day demanding I pay the extra payment. When I refused to do that they repossessed the vehicle and charged me X amount of dollars in penalties and unpaid loan amount after the vehicle was sold by them and when that was not paid, reported the account to the credit bureaus with erroneous/incorrect payment history information which had an even more negative influence on my credit rating.
Consumer complaint received 2016-03-16
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Santander Consumer USA Holdings Inc. (CA)

Santander is reporting negative information on my credit report. I have taken the necessary step to dispute the information with the credit bureaus. ( I disputed the account in XXXX XXXX ) The credit reporting agencies said everything was verified with the data furnisher & if I had questions about the account I needed to contact the data furnisher directly. I 've sent them XXXX different requests XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX to provide me with all necessary documentation showing the account belong to me. They have ignored my requests. So I contacted the credit reporting agencies & they said I need to supply documents showing the information is inaccurate. I 'm very confused ... how would I have information showing these accounts are inaccurate? I 've researched the FDCPA & FCRA and found out that it is the responsibly of the data furnisher to provide the consumer with all proper documentation when requested.They are not following the rules & I 'd like this information removed immediately!!! I 've included the letters sent to Santander to validate my position.
Consumer complaint received 2015-05-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (VA)

Collection company tried to collect 8 years old debt that I do know I made payments from XX/XX/XXXX to XX/XX/XXXX and since then I never recieved bill or late notice for several years. 

Also I ran credit report and the debt collection is not in credit report which I was under impression it was paid for. 

There was no communication from Debt collector or JC Penny since XX/XX/XXXX until todayI think statue of limitation has passed because it is 8 year old debt and should have been written off as bad debt since I heard nothing for 8 years. Why now?
Consumer complaint received 2016-01-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP (KY)

I contacted the creditor on several occasions and informed them that I am unable to receive personal phone calls during working hours, XXXX. I was contacted repeatedly during these times. I called the creditor yet again to tell them not to contact me during these times and the person said that it did not matter and that they can and would contact me at any time between XXXX and XXXX. I found this to be hostile and intimidating. 

I closed my account and am trying to pay off my remaining balance. After 40+ phone calls I found that it is impossible to access your account online if you have cancelled you card. I did not receive any statements or bills in the mail. Without online access to my account I could not make timely payments allowing US Bank to add hundreds to my account in late fees. 

The card and interest rate were predatory in nature. I was given the application in a bar while on XXXX break. I think it is immoral for US Bank to target intoxicated teens on XXXX break with high interest credit cards. I do n't expect the CFPB to do anything about it but I want people to know the type of business US Bank is.