davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I regards to my previous complaint XXXX, below : I ca n't even try to submit a payment to pay them ; PERIOD. I 've scheduled payments that they never drafted as promised and please see below for a payment I tried to submit online. Lastly, I submitted more than one months payment via mail to cover a month 's mortgage plus ALL/ANY late/fees and BOA lost the payment and applied to wrong account apparently, only after months of faxing check deposits of the cleared payment and copies of my payment clearing and more documentation from my bank did it FINALLY GET POSTED!! Never did BOA clear my back fees or take into consideration with this recent foreclose proceeding!!!!! WHAT IS GOING ON???!!! PLEASE PLEASE HELP ME, PLEASE, I 'M ABOUT TO LOSE MY HOME! 
-- -- -- -- -- -- -- -- -- - Things have not only gotten worse but escalated beyond my control and I need HELP PLEASE! Anyone, anything! Should I call the news? 
BOA HAS NOW SAID AFTER 8 MONTHS OF THIS HUD LOAN REVIEW PROCESS YHAT ALL OF MY DOCUMENTS HAVE EXPIRED AND I NEED TO RESUBMIT DUE TO A " NEW UNDERWRITER TAKING MY CASE BECAUSE ORIGINAL ONE CHANGED PISITIONS .... Now a new set of guidelines, rules and more of not just the same requests being submitted. I more confused than EVER before on what this new underwriting needs and NO ONE COMMUNICATES IR CALLS BACK. New documentation requests estate I need to show/prove things " from previous conversations '' ... Those in which I never had because I 'm lost as to what they 're talking about!!! TOP IT OFF, I 'm apparently 6 months in the rears of payments because my husband and I XXXX been paying mortgage payments out of XXXX asked are accounts with phone representative each mo th.. Turns out that 's payments were never credited to my mortgage rather lost in " miscellaneous postings '' because they were n't one full payment! They can neither apply the payments nor fix the fact that IVE PAID MY MIRTHAGE DURING THIS TIME! I am now apparently {$4200.00} + behind and was told UNLESS I PAY FULL BALANCE NO LAYMENTS WILL BE ACCEPTED!!!! Please help, I know this has to be illegal, right??
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (GA)

this is the fourth time i complain about this company last time a lady called XXXX XXXX responded and made false claims and told us in her letter to call if i needed anything to call i left here Several MSG never responded i called here today XXXX XXXX 2017 and told here i will send here all prof of my hardship and my hospitalization she said she alredy helped me once and there is nothing she can can do for me i
Consumer complaint received 2016-09-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I filed Chapter XXXX Bankruptcy XXXX/XXXX/XXXX due to over using my credit cards for living and medical expenses while waiting for Social Security XXXX Insurance from an unresolved work injury and not being able to work and pay bills. I had a vehicle loan with Huntington Bank starting XXXX/XXXX/XXXX and chose to list it as Exempt Property on XXXX and to Retain and Pay on the Debtor 's Statement of Intention. I continued to pay and they accepted regular monthly payments until I paid it in full XXXX/XXXX/XXXX, 24 months early. They continue to list my vehicle as " Debt Included in Chapter XXXX Bankruptcy '' and " Discharged through Bankruptcy Chapter XXXX '' although it was n't and was paid in full.
Consumer complaint received 2015-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

I paid this debt over the phone back in XXXX. ACH did n't go through so she called back and did a Debit card payment for the full {$100.00}. Now I am receiving calls saying that this was never paid. I have provided proof and if this hits my credit I will sue this company.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (TX)

on the report it has inaccurate information using my socail security number but the name and charges are not me. and then other information on it thats really old keeps reappearring and is now possibly costing me my job ive done an assessement for my job but its still pending and i really need a job i just recently found out that this is at least the sec background check i did not past due to innacurate information and or things that shouldnt be there at the vary moment
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have had a XXXX XXXX credit card for several years now, but unbeknownst to me they changed companies last year or " transferred lenders '' from XXXX XXXX to XXXX as it says on the report and my account was closed without my knowledge. So when I went to purchase goods from there this year rather than updating my account they started me a new one which subsequently hurt my credit score by bringing the age o my average account down significantly. I now have XXXX listings for XXXX XXXX cards with a less than XXXX year gap in between uses and a credit dip to boot. Help!
Consumer complaint received 2016-10-18
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I mistakenly over paid of my Bank of America. The payment cleared in 24 hours. Why does it take 2-5 business days ( possibly 7 days ) to return the money back into my account? They have had {$13000.00} of my money sitting there. Why can they take your money so fast but be so slow returning it?
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

When my X husband and I married we got this cute postcard encouraging us to consolidate our student loans together since we are married now. Lower payment made sense. Never thought we would get divorced. We did. There is no way to separate the loan. Even just down the middle. My X and I are connected by this loan for the rest of our lives. He does not care about his credit or what he owes. Also, he does not care about mine either. I can not afford to pay this on my owe. He is responsible for the full Loan as per our Divorce agreement signed by a Judge. However, XXXX XXXX ( Navient ) does not recognize that and does not care. I am not trying NOT to pay back my loan. BUT I do n't understand how they can have a program that combines married couples loans but no program for couple divorcing when the divorce rate is about 50 % in this country. ALSO. They have no account representatives. So every time you call you have to explain the situation over and over. It 's a wild goose cash. Also, the customer service people are not in America. They are hard to understand. I been disconnected more times then I can count. This company is the Devil. We are not elgible for our rates to be Lowered ..becasue it 's not Federal anymore. But we they are able to tarnish my credit affecting everything I do. I 'm a single parent and I owe my home. I work XXXX jobs. They do not care about repayment. THEY want you to build up the interest. They encourage deferment.
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These XXXX accounts have been reinserted and was not verified nor validated. I requested method of verification from the credit reporting agency and I requested the collection agencies validate the account sending me proof of whom the agency talked too and a original document with my signature. These accounts was removed and now they are reinserted without verification or validation. The XXXX accounts are : XXXX XXXX and Public record XXXX.
Consumer complaint received 2016-02-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Golden State Collections LLC (CA)

Hi, I found a collection debt on XXXX XXXX and wanted to pay it off. I 've called the collection company twice now to ask for the bill, so I may pay the debt. The XXXX person I talked to said she will send via mail and the XXXX person I spoke to said they 'll have to figure it out and that the XXXX person should n't have told me they would send a bill. I am not sure why they are withholding the bill but I would like this off my record as soon as possible. It has been a month since my first contact with them. How do I pay this off?
Consumer complaint received 2016-10-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Bureau Collection Services, Inc. (OH)

CBCS verbally has told the XXXX XXXX XXXX XXXX that I owe XXXX and CBCS tells the XXXX XXXX to tell me to call and make payment arrangements but they have not sent me a letter or any written communication that I can dispute. I have no idea what this amount is about. I asked the XXXX center and they said CBCS knows the dates of services and amount and what the charges are for supposedly but the XXXX XXXX will not help me at all. I tell XXXX XXXX I have received nothing from CBCS but CBCS tells XXXX XXXX that CBCS want me to call them and make payment arrangement or I can not see my doctor. I am not agreeing with this at all. I 've been going to this place for treatment for a long time. I had a balance of XXXX and all of the sudden I have a balance of XXXX. I have had no opportunities to see what this is about, why I am being accused of this amount other than I told XXXX in the billing department she was very rude to me and ever since I have been targeted of being bullied by this billing department. Why would I call CBCS when I have never received a letter from them but the XXXX XXXX said CBCS has this amount and that is where XXXX XXXX got this number. It 's ridiculous to me how I have never heard or seen this amount ever before. The XXXX XXXX has sent me to collection for an amount that was paid by insurance, then they said I owed it and so I payed it and then they also sent me to collections for the amount that had already been paid twice.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Certified letters have been sent to the accounts. I will attached the certified receipt. 

I have recently been informed that there is negative information reported by XXXX and XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Late Over 120 Days and Collection. I am unaware of Late over 120 Days and collection. 
Please validate this information with XXXX, XXXX XXXX and XXXX and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. legally binding contractual obligation to pay you the alleged amount. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. 
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

The inquiries not belonging to me are XXXX XXXX/XXXX/2015, XXXX XXXX/XXXX/15 and XXXX XXXX XXXX/XXXX/15. Please provide me with viable proof that these belong to me. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

My name is XXXX XXXX XXXX. My name is NOT XXXX XXXX XXXX, XXXX. I reside at XXXX XXXX XXXX , XXXX XXXX, GA XXXX. I will fax my Driver 's License, SS Card and Utility bill. 
Please update my report and remove the highlighted accounts and inquiries.
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (GA)

Ive just reviewed my credit report and noticed the following inaccurate collection item ( s ) : XXXX XXXX XXXX and these inquiries XXXX XXXX XXXX XXXX XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number.. 
Finally, please remove all non-account holding inquiries over 30 days old, plus delete all late payments and add a promotional suppression to my credit file. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-22
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MD)

On XX/XX/XXXX my vehicle was involved in an accident and declared a total loss on XX/XX/XXXX. My insurance agreed to a settlement amount of $ XXXX. XXXX insurance agreed to cover the remaining balance on my loan. My insurance mailed the check on XX/XX/XXXX. It is now XX/XX/XXXX and XXXX has not acknowledged payment from my insurance on my account to close the loan out. I have now called 5 times to inquire on the status and every single time, the employees are unhelpful, inept and do not have a resolution. They simply state I have to make payment on the loan, yet I have not been in possession of the vehicle for over a month now. I also emailed their Total loss department directly, and surprise, no response from them either. Based on reviews online, this seems to be a recurring pattern with them. I want this loan closed and removed off my credit, as it is now affecting my refinance process on my mortgage.
Consumer complaint received 2016-10-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Threatened by Bank of America ( BofA ) with foreclosure proceeding regarding a HELOC account in which I was behind on my payments. i was sent a letter from BofA on XXXX/XXXX/16 listing 5 options available to me from BofA to prevent a foreclosure sale of my property which I have owned for 30 years. Option 1 was a " Full Payoff '' which I decided to do. I asked for a payoff statement and received it on XXXX/XXXX/16 which was good thru XXXX/XXXX/16. On that statement was an additional amount of {$4000.00} added by the bank as " uncollected fees ''. In talking to someone at BofA they stated that was for a loan modification. I had called the bank on XXXX/XXXX/16 telling them I would be sending a full payment and did not want to do a " Loan Modification ''. I was told not to worry as the {$4000.00} fee would be deducted if a " Full Payoff made. I sold my house of 30 years to an investor who paid Bank of America on XXXX/XXXX/16 the full amount owed including the Loan Modification fee. I have been trying to call BofA for the past 5 days to discuss this issue, but I am unable to get thru to a live person. All I get is a recorded messages which send you in an endless circle of transferred calls. Any help you can provide would be greatly appreciated.
Consumer complaint received 2016-03-03
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I applied to wells Fargo located in XXXX CA and they declined my loan for missing docs When they did n't even sent me a letter stating that I was missing docs. 
They did n't send me a welcome letter within the 3 days that the law permits they told me to provide them documents only to ask for more and to reject the ones that I submitted. they had me re-apply a second time ' so that I would meet some TRID guideline that they violated. This is the worst bank ever.
Consumer complaint received 2022-02-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the account, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned account for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-05-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: STATE EMPLOYEES CREDIT UNION (CO)

Someone stole my check book, wrote themselves multiple checks, forged my signature, and cashed the checks worth {$6000.00}. I filed a police report, printed out the fake checks, and gave them to the bank so they can pay me back the money taken from me. It has been a year and a half, nothing has happened.
Consumer complaint received 2016-05-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (PA)

I deposited a XXXX loan check via the app and Wells Fargo elected to close my account and put all my funds on hold for XXXX weeks. The agent tried to claim it was because the check was written out to XXXX XXXX and my name on the account is XXXX. Either way, I was treated completely dismissively and was told I could not have the funds from the check. I then tried to use the check wit ha reputable institution who stated the check was no longer good. When I contacted the XXXX company, they state Wells Fargo had kept the more than {$1100.00} they tried to tell me was not drawn. The bank currently has more than {$1100.00} of my money and will not allow me to dispute XXXX debit cards transactions stating the account is closed and the transactions no longer open for dispute.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC. (IL)

I have attached the complaint which makes it easier to read. Bottom line, GR Mortgage contracted to deliver a 30 year 3.375 % interests rate mortgage and then did not deliver yet we delivered. This company is a con artist of the largest proportions and has cost of hundreds of thousands of dollars due to the illegal conduct. We need you help in finding a resolution immediately since they did not feel at all obligated to us yet the consumer delivered and GR Mortgage did not.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NV)

The Situation : As I was checking the credit report assigned to me by the XXXX XXXX XXXX and taking steps to see what I can do to build it, I noticed an account that was not mine. The name of the creditor who says I am in debt to them is XXXX. As spelled on my Equifax report. According to the Fair Credit Reporting Act, 15 U.S. Code. 1681 Section 609 ( a ) ( 1 ) ( A ), Equifax is required, through the physical verification of the original signed consumer contract, all accounts a creditor posts on a consumer 's credit report. Equifax failed to do that. Equifax is in violation also of Uniform Commercial Code 15 U.S. Code 1681b which states, " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates, as I did not give them permission to furnish a credit report concerning this account. As mentioned above this account was not furnished by me to begin with. This fraudulent account has caused me time, money, and emotional strain in getting it removed as I have tried methods before reaching out to the CFPB for help and coming across Uniform Commercial Codes that protects me as the consumer. I paid for XXXX XXXX credit cleaning services to dispute the account. Once I received correspondence back from XXXX they said they did their due diligence in proving I established this account with my credit. As stated in the law, XXXX was supposed to provide me with the physical original consumer contract, with my signature, and forensic accounting to validate the debt. They failed to do that. I called XXXX once I was educated through the law about credit reporting practices established by the government. Upon calling one of the representatives was unable to even locate the account that the company sent to Equifax to furnish on my XXXX XXXX  Credit Report. I asked why and she was unable to tell me. I asked for it to be removed and the rep was very rude to me. I am now here seeking justice for being wrongfully treated by XXXX.