davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: VALLEY NATIONAL BANCORP (FL)

Applied for fha mortgage on XX/XX/XXXX XX/XX/XXXX still haven't close Was told by XXXX XXXX at XXXX XXXX XXXX Highway XXXX XXXX XXXX, AL XXXX He had " lost '' our mortgage paperwork 4 times. 
We have been told by XXXX XXXX " We are close to settlement any day '' For 3 months. 
I have already applied for and RN licenses in Alabama based on this mortgage and have XXXX potential employers awaiting my settlement. 

We were notified by XXXX XXXX we would be at settlement this Wednesday the XXXX and now he is stating he has not gotten us to settlement yet. 

Does not reply to messages, work voicemail has been full for over a month. 

XXXX cut to is the underwriter who has not responded to voicemail or email in over a month
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (IN)

XXXX XXXX has put a XXXX XXXX XXXX on my credit report that is not mines, back in XX/XX/XXXX I had lost my social security card and identification card and a few other things out of my wallet, Well back in XX/XX/XXXX I found out that someone had put a car in my name, not only did they put a car in my name put got into an accident along the highway back in XX/XX/XXXX,  I found out when I got XXXX  for XXXX XXXX XXXX, on my XXXX it says i drove a car without insurance which is associated with the XXXX, I had reached out to XXXX XXXX several times, I have disputed the information, I have called and spoke to many representatives, the last rep she claimed to be a manager her name was XXXX, she told me she would look into it and keep in touch with me, I sent over all the proper documentation she asked for, I explained to her the situation, meanwhile their doing this investigation I am being punished by the Indiana Department of Transportation, in the amount of XXXX ( starting off ) current balance XXXX , I dont know what else to do at this point. Its gotten my license suspended so i cant even get MY drivers license, then they want a police report, but i was not at the scene nor did i know until almost 2 years later so there was no police report filed just security freezes on all 3rd party consumers and credit bureaus. I want to get this resolved immediately, I truly do not want to file bankruptcy, I want them to remove this from my credit report because it is not mines and it is causing me nothing but XXXX.The car was fraudently opened, I have even contacted the dealership and they all redirect me to XXXX XXXX
Consumer complaint received 2018-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (VA)

On XX/XX/XXXX I got a notice of a collection owed of {$150.00} on my credit report from a XXXX account that I deactivated in XX/XX/XXXX. I never received any notice of this amount owed prior to the negative remark on my credit report, I contacted XXXX specifically asking if I paid the amount owed, would they remove it from the credit report since they had not sent me any information, and they had deactivated my old account so I could not view the bill. The collection was closed on XX/XX/XXXX. I would like this negative remark removed from my account.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Federal Pacific Credit Company, LLC (FL)

Their license is expired in XXXX XXXX XXXX, Utah and they 're not licensed in the State of Florida. 

License Type : Consumer Collection Agency Status : Expired Status Effective Date : XXXX/XXXX/XXXX Original Date of License : XXXX/XXXX/XXXX License Number : XXXX License Expiration Date : XXXX/XXXX/XXXX
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

My most recent Care Credit/ Synchrony credit card statement dated XX/XX/XXXX included an expired Promotional Zero Finance Deferred Interest charge of {$430.00}. 

I had made multiple charges under this plan and always paid on time with more than the minimum required, feeling that satisfied the agreement. 

They took the balance from XX/XX/XXXX of {$1500.00} and added {$430.00} and another {$1.00} for other purchases at the rate of 26.99 % .So instead of owing {$1200.00} I now owe {$1600.00}. 

I contacted Customer Service on XX/XX/XXXX and was told that it was added to my unpaid balance and it 's due.
Consumer complaint received 2018-04-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc. (FL)

The female employee of this debt agency called my phone was very hostile to myself and she even threatened me with excessive calls. I was told to not answer anymore calls from the person. She was very unprofessional to the point that we had to block the phone number
Consumer complaint received 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

Experian reporting and allowing unauthorized inquiries on my report. They wont provide written documentation as to the nature of the inquiries. Someone has my social security number attempting to get credit
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It comes to my attention that your company has placed erroneous information on my credit file. I am lost for words on why your company would attempt to do something like this. It appears to me that your professionalism is by far professional in anyway. I have been in contact with your company for at least a year. I have never called to dispute any information on the phone. I have sent certified internal dispute letters and affidavits consistently. Never received nothing more than silence and the lack of reply during this time shows me the only way to attack this situation where I am accused of owing these debts that your company placed on my file as errors is to contact the FTC which I have filed a complaint, file a suit and a hearing is dated in XX/XX/2018. I have spoken to my lawyer and the best thing for me to do was allow him to continue dealing with your company until the hearing and court date. I have tried to find many ways to contact you by mail and online but I didnt receive any reply and its been a month. I am fed up and filed with anger. 
I have attached the errors on inquiries and accounts. Please take a look at the attachments. If you decide to contact me by email I will be forwarding all information to my lawyer from this point on.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I WILL FILE A COMPLAINT.. As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055, Law Firm Cravath XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX, State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency,
Consumer complaint received 2017-12-29
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. (MD)

I have contacted Trans Union Credit reporting services for 3 months requesting that they correct the credit limit information associated with my credit card account with XXXX XXXX. 
I have worked with XXXX Card services in getting them to send multiple account corrections to Trans Union to get this resolved. 
They correct it temporarily for each of the months I have called in only to have the erroneous information appear back on my credit report the following month for the past 3 months. 
XXXX Card services also sent them and me a letter stating the correct limit on the card.The card issuer has been very helpful in going above and beyond in assisting me with this matter. 
This error has been adversely impacting my credit utilization and causing a score drop of 20 points, which seems questionable also. 
TransUnion is also reporting balances for XXXX card services, when there is a XXXX balance. This leads me to question their practice of the timely updating of information that is correct. 
The two major reporting agencies, XXXX and XXXX have the correct information. There was never an issue with my XXXX account with them. 
So where and why is TransUnion supposedly getting all of the wrong information???
Consumer complaint received 2018-04-16
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. (GA)

In the month ofXX/XX/2018I paid off two credit card balances, didn't close the accounts just paid the balances and the next day my credit score dropped 32pts. I emailed XXXX XXXX right away when I first saw my credit score had dropped.XXXX XXXX and I went back and forth between 8 emails and no one could tell me why my score drastically dropped. I proceeded to call all credit bureaus XXXX, XXXX and I visited Equifax still no one can tell me why my credit drastically dropped. Every factor each credit bureau ask me to consider or look at dose not apply to me. One factor was incorrect they said I have only had credit for 2yrs in fact I have had credit for 5 yrs. I have never had a derogatory complaint on my credit report, I have never missed a payment or paid a late payment on my credit report.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

About ten years ago I permanently opted out of pre-approval offers from banks. 

Bank of America has recently sent me mail in violation of the do not contact list. They are the only credit card company to do so in many years. They informed me that I can opt out by calling XXXX, but I'm not interested in doing this again just for this bank that won't abide by the original opt out as all other banks do. 

The contact person in my letter was : XXXX XXXX XXXX XXXX, Bank of America The personal code is XXXX
Consumer complaint received 2018-04-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (NV)

On XX/XX/XXXX XXXX pulled my credit report for a loan for someone using my name to apply for a home loan. On XX/XX/XXXX I filed a Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and I reported everything right away to all three credit companys, XXXX, XXXX, XXXX,. A alert was suppose to be put on my credit reports for 90 days. From XX/XX/XXXX to XX/XX/XXXX. However who ever is using my social security number has been still trying to get credit in my name. I spoke to ( XXXX ) and they could not release information because some of the information did not match what I was explaining to them. However they still put a Hard Iinquiry on my XXXX credit report. on XX/XX/XXXX they also put a hard inquiry on my XXXX credit report. As of today I have contacted Social Security Admis, and have a appt to get a new social security number as, this is getting out of hand. This is a ongoing investagation.
Consumer complaint received 2018-04-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I opened a Simply Right checking account under promotion to receive {$150.00} after direct depositing {$1000.00}. I opened the account on XX/XX/2017 and have had {$1000.00} direct deposited every month for the last 5 months. I have called Santander multiple times, usually being transferred from department to department, spending hours at a time without any resolution. I am very frustrated they are not holding to their terms and with the way they are treating their customers.
Consumer complaint received 2018-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

this is in regards to a complete filed against bank of America XXXX the loan was paid off XXXX/XXXX/XXXX, I have still not received the escrow deposit back, it has been over 3 months and I feel the Bank of America is not acting in good faith. 
this loan was on my primary residence.
Consumer complaint received 2018-04-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX THE AMOUNT OF {$1600.00} DOCUMENTS WERE SENT THREATENING TO HAVE XXXX XXXX ATTORNEY CONTACT ME TO SUE ME. I RESPONDED Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Consumer complaint received 2023-11-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Absolute Resolutions Corp. (PA)

The company, XXXX , XXXX XXXX XXXX , XXXX, representing Absolute Resolutions Investments , LLC, claims to have obtained a judgment against me in the amount of {$4.00}, XXXX ( which has increase to {$5100.00} due to added interest ) on XX/XX/XXXX in the Court of Common Please, XXXX XXXX, Pennsylvania. They claim in their communications a docket number of XXXX, which fails to turn up any judgment or other results during a search of court records. A further search of the promontory 's case records also does not show any judgment against me awarded to to this company. 

Prior to this XXXX, XXXX XXXX XXXX attempted to obtain a judgment against me in magisterial court on XX/XX/XXXX but the magistrate ruled in my favor. I was contacted against by XXXX, XXXX XXXX XXXX on XX/XX/XXXX, at which point they claimed to have obtained the judgment against me on XXXX. I have never received any notice from the court or proof of the judgment from XXXX, XXXX XXXX XXXX. 

On XX/XX/XXXX, XXXX, XXXX XXXX XXXX sent me interrogatories in aid of execution, related to this non-existent judgment. Once again the notice cited this docket number stated above, which as I have previously said, turns up no entries whatsoever when doing a search of court records. 

I should also add that no judgment has been posted to any of my credit reports ; only a collections in the name of Absolute Resolutions ( currently listed at {$5100.00} ).
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

RE : Capital One This bank has refused to investigate any of my disputed transactions. 

These are the dates and amounts of my disputed transactions : XXXX XXXX- XXXX XXXX XXXX , XXXX US Posted Date : Saturday,XX/XX/XXXX Transaction Number:XXXX Amount $ {$87.00} XXXX XXXX- XXXX XXXX XXXX, XXXX US Posted Date : Tuesday, XX/XX/XXXX Transaction Number : XXXX Amount : {$40.00} XXXX XXXX- XXXX XXXX XXXX, XXXX US Posted Date : Tuesday, XX/XX/XXXX Transaction Number : XXXX Amount {$24.00} XXXX XXXX XXXX XXXXXXXX XXXX Posted Date : Monday, XX/XX/XXXX Transaction Number : XXXX Amount : {$61.00} XXXX XXXX  XXXX XXXX XXXX Posted Date : Monday, XX/XX/XXXX Transaction Number:XXXX Amount : {$140.00} XXXX XXXX  XXXX XXXX XXXX Posted Date : Monday , XX/XX/XXXX Transaction Number:XXXX Amount : {$26.00} XXXX XXXX XXXX XXXX XXXX, XXXX US Posted Date : Monday , XX/XX/XXXX Transaction Number:XXXX Amount : {$68.00} XXXX XXXX XXXX XXXX, XXXX US Posted Date : Tuesday, XX/XX/XXXX Transaction Number : XXXX {$1.00} Amount : {$83.00} XXXX XXXX XXXX XXXX, XXXX US Posted Date : Monday, XX/XX/XXXX Transaction Number : XXXX Amount {$140.00} XX/XX/XXXX - {$43.00} - XXXX XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XXXX XX/XX/XXXX - {$600.00} - XXXX XXXX XXXX XX/XX/XXXX - {$500.00} - XXXX XXXX XXXX XX/XX/XXXX -  {$500.00} - XXXX XXXX XXXX I can not get them to investigate these fradulent transaction nor will they give me provisional credit. I have given them ample amount of time to do something. I continue to get stonewalled with a boilerplate communication which have nothing to do with the transactions. Please help me in anyway you can. 

Thank you
Consumer complaint received 2018-06-11
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Village Capital & Investment LLC (TX)

I refinance my home XX/XX/2017 with village capital investment loan office at closing he had to sing closing to sign several times. I did but I had to call cause I told him my taxes was incorrect he said no they are right I told that is not what XXXX XXXX appraisal letter I fax over to you. After my house close I contract mortgage company to let them know about my taxes information. My house note went up due to a shortage of escrow put in at closing. I contact village capital spoke with XXXX  she tired to work on the case she also so the taxes was wrong. A big difference from $ XXXX month til {$190.00}. XXXX XXXX   enter the wrong amount. XXXX XXXX was my loan who falsify my taxes.
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Settlement agreement made and paid for two accounts with USAA, my c edit report was updated but still reflects a balance owed. I contacted USAA and they informed me the problem will be fixed. I conducted a dispute for both accounts and results came back as reporting accurately. Contacted USAA again and they said it is the reporting agency that has failed to update the accounts accurately. So I conducted another dispute on both accounts and received the same result.
Consumer complaint received 2018-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I have home owners insurance through XXXX XXXX XXXX XXXX, issued by XXXX XXXX XXXX of the XXXX. On XX/XX/XXXX, I paid the annual premium of {$930.00} through my credit card. Days later, Wells Fargo paid the premium as well due to a misunderstanding regarding my escrow account. I called Wells Fargo and they said they could not retract the payment and I had to call the insurance company. I called the insurance company and they said they'll send me a check for {$930.00}. As of XX/XX/XXXX, I still have not received the check despite calling the insurance company to follow up several times. I also have called Wells Fargo several times and they just refer me to the insurance company. The insurance company insists on sending the check via US mail without tracking information. It should not take over 3 months for me to get my money back. Please help!
Consumer complaint received 2018-06-09
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. (WA)

I had a mortgage with XXXX XXXX XXXX undergoing a modification and missed a number of payments. The mortgage was purchased by XXXX/XXXX and successfully modified. The status is currently good/pays as agreed. XXXX XXXX persists in reporting this mortgages current status as delinquent when it is not, and hasn't been for years. I have disputed this with the credit reporting agencies with no success.