davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-24
Product: Consumer Loan — Personal line of credit
Issue: Shopping for a line of credit — 
Company: Santander Consumer USA Holdings Inc. (FL)

I had put XXXX down on a XXXX XXXX XXXX me 6 months will lower payment, ,as my insurance was XXXX ..i was paying XXXX $ monthly teaching at college, ,yes.. after 1 year i had gotten in a bad XXXX, no longer can work, i am on my XXXX XXXX, ,at that time i asked to ; lower payment it over time, ,they said we never said that and your sales guy is no longer here, ,i cou ; ld not pay that XXXX $ any longer, ,so i gave XXXX back and i gave them XXXX $ again for a 2008 scion box,,, that wa sthe deal if i bought another carb XXXX DOWN AND GAVE XXXX THEY NWILL AUCTION OFF AND WE WILL BE EVEN,,,,, ,OF COURSE I DID NOT KNOW HE ALSO RAISED APR TO 28 % i am SICK,,, ..holy XXXX,,, XXXX months layer i paid XXXX $ to XXXX car PAID IT OFF,,,,, ,they HAD auctioned XXXX back then and sent me a =letter of owe 0 ) XXXX ,its in my file ..., ,i also had given my daughter XXXX to put on a XXXX also because of my settlement money i was able, to do this,,, i was never told anything else ... .but i think after they found out about my moneys they changed their mind and iv been getting letters to owe another XXXX $ for XXXX, ,i already paid XXXX on XXXX and tHey auctioned for XXXX XXXX car was only XXXX $ and i had for 1 year,,, does not make sense, ,how would they even sell me another car for XXXX down and handed my old car in if i owed any thing else ... please help me this is crazy,,, I would have taking care of these things if they would have told me from beginning, ,i do not do scams very well..i am certified PI BUT STILL CAN NOT WORK & lt ; & lt ; XXXX XXXX recently to a US XXXX whom has purple XXXX from XXXX and XXXX, ,and he takes good care of me, ,i just need to get a chance to please get my life back, XXXX years ago i went thru a bad time after accident and put me in a lot of problems alone, next thing i had these little bills from things i do not even aware of, ,i just need this all fixed,,, i am receiving my second part of my settlement in XXXX `- XXXX months and i need to have credit fixed to move buy land and buy a business for my older kids to have when i leave from here,,, ,please help me fix all this, i need to get cleaned up in system thank you so very much ... XXXX XXXX XXXX, ,like i said i paid off my scion XXXX XXXX months after and paid dr.uecker {$8500.00},, paid rent electricity, never have been evicted i pay all my bills, ,i have great XXXX health XXXX. i donot see why my score is still so low, ,i cant do much buying and using credit when iv had XXXX surgeries i XXXX years and on bed rest now from another XXXX XXXX weeks ago XX/XX/XXXX ...
Consumer complaint received 2017-01-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (NJ)

In XX/XX/XXXX my husband and I put our home up for short sale with a Realtor and their attorney for short sales our Mortgage Co is PNC it has been nothing but a nightmare since they were told by the attorneys office to cease and assist and contact them only they did not every month we where inendated with paper work when it was complete they told us we ran out of time and they can not use what was sent. we have lost 3 buyers going on 4 because on XX/XX/XXXX the house is going to forecloser. Their lastest antics ask asking for a trash bill which we do not have and this was told to them in XX/XX/XXXX when we first started this short sale. They are impossible. The emotional and mental distress they have put us through is overwhelming and it has to be stop so one else has to go through it.
Consumer complaint received 2020-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Unable to open a checking account with any other bank because BOA has flagged my XXXX XXXX XXXX account as fraud. I have been a victim if identity theft. This is doing damage to my name and my livelihood. I have tried to resolve this with Bank of America.
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXXTo Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXXEquifax XXXX. XXXX XXXX XXXX, GA XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXXI recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Company Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX : XXXX Date of Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX : XXXX date of Inquiry : XXXX/XXXX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MN)

XXXX XXXX foreclosed on our property XXXX XXXX, XXXX, the credit report shows the foreclosure occurred in XXXX. We have documentation to prove the date of the sheriff sale. We were told to vacate the property XXXX XXXX, XXXX. We are trying to clean up our credit rating.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I never established accounts or know anything about the following XXXX creditors listed on my credit report XXXX XXXX reported by Equifax, XXXX XXXX XXXX reported by XXXX, XXXX XXXX reported by XXXX
Consumer complaint received 2015-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

XXXX XXXX. is reporting a zombie debt as an open collection/charge off to the Equifax credit bureau. The debt was charged off in XXXX XXXX and last payment activity was XXXX XXXX. This debt is six years old and past the state of Maryland and Virginia statute of limitations and thus the creditor, XXXX XXXX XXXX can no longer actively collect ( have collection activity ) on this debt. The correct status of this debt is closed account/charge off. This account should not be reported as an open collection by XXXX XXXX. I called XXXX XXXX A. on XXXX on Tuesday, XXXX/XXXX/XXXX at XXXX, and spoke with a customer service representative in the Recovery Department and she too verified that XXXX can no longer collect on this debt for the state statue of limitations has been exceeded. Thus it does not make sense for this debt to have a status of open collections.
Consumer complaint received 2017-01-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (MO)

On XX/XX/XXXX I spoke to XXXX in the universal fraud department at Synchrony Bank about a fraudulent XXXX Rewards application that was submitted under my name. She stated that she would have it closed down, a fraud file created in their system, and a deletion request sent to the credit bureaus. She questioned me about my legitimate Gap, Banana Republic, JCPenneys, and Sam 's Club accounts. I informed her that those were mine and not fraudulent. 

I received a letter from Synchrony bank on XX/XX/XXXX that these XXXX legitimate accounts were closed down. I then spoke to a XXXX in the universal fraud department who confirmed that the accounts were closed down on XX/XX/XXXX and that it would take 7-10 business days for the issue to be cleared up before new cards could be reissued. 

On XX/XX/XXXX I spoke to XXXX who claimed to be a manager in the universal fraud department. She stated that they would be sending a notification to the credit bureaus informing them that the accounts were closed due to an error on their part. She also mentioned that this should not only have them reopen the accounts, but retract any derogatory information that would have been/has been reported due to this. 

Around XX/XX/XXXX I received a letter from Synchrony notating that they took me off of my husband 's BP account ( I was an authorized user ). I contacted them and they stated they would correct it. 

I received another letter from them dated XX/XX/XXXX notating that a fraud investigation was being done my Gap account. Around XX/XX/XXXX spoke to XXXX in the customer service department in the XXXX office who stated that there were 4 letters mailed out to me ( one for each legitimate account of mine that was shut down ) that listed recent charges. I was to mark which charges are legitimate and mail it back to them so that they can be reopened. I found it strange that I was being told this now, despite me speaking to MULTIPLE representatives and a supervisor who told me that there was nothing to be done on my part. 

On XX/XX/XXXX I spoke to XXXX in the universal fraud department who transferred me to XXXX, and account manager, in the XXXX. XXXX mentioned that she sees that these accounts were previously, accidentally claimed as fraud and that I would need to speak to the fraud department. I spoke to an account manager in the investigations department named XXXX. She stated that I did not have any work to do on my end and that I would be receiving a letter notating that the accounts were legitimate in 5-7 business days. Here we are exactly 2 weeks later. I have not received the letter XXXX promised me. My legitimate accounts are still closed. I would like this mistake corrected. It 's been almost 2 months now and nothing has been done.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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
Consumer complaint received 2016-10-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

As of XXXX our mortgage company ( Nationstar Mortgage ) increased our monthly payment by {$130.00} citing an increase in flood insurance ( mandatory for our address ) and also our taxes increased. I was not aware of the increase, so I continued paying the normal {$2500.00} mortgage payment each month. We have over {$3000.00} in our escrow account, and I asked why it was n't taken out of that account, rather we got late fees and my husbands credit was docked two months in a row. They talked in circles and eventually said 'We can only reverse bad credit marks if Nationstar was at fault '. I 've since paid the $ XXXX we were behind and now we 're up to date. Though they 're reporting to credit bureas that we were behind 30+ days each month.
Consumer complaint received 2016-07-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (FL)

I reached out to several secure credit card companies to build my credit in XXXX 2016. I made clear that the reason is to build my credit prior to filing bankruptcy in XXXX. All XXXX companies took my deposit and allowed me to make payments and began to build my credit but closed my accounts once I filed. They did not inform me prior to accepting my deposit of this practice of closing my accounts if I file for bankruptcy. I feel scammed because the purpose of starting the cards prior to filing is to be able to show positive credit history prior to filing bankruptcy. My hard earned money used for my deposit and all my on time payment history is gone with even informing me that the accounts were close. I was told when I called to make a payment or use the card. The companies are Discover IT, XXXX, XXXX XXXX. I feel they should have made me aware of this policy prior to accepting my payments and I could have used a company that would allow me to keep the accounts after filing bankruptcy.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (KY)

On XXXX XXXX, 2014 a XXXX account was turned over to a collection agency XXXX XXXX. I called this company and they said someone used my Social Security Number to open an account up with XXXX and this person lives in XXXX. XXXX. An address of XXXX XXXX XXXX XXXX XXXX XXXX also shows up on my credit report. This is not my account and my address. This issue is lowering my credit score.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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
Consumer complaint received 2016-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo foreclosed and sold our home at sheriffs sale despite the fact we were not delinquent - apparently due to the results of a class action resolution they undertook with the Justice Department related to " pick-a-payment '' financing by XXXX, our original lender. Despite our being aged almost XXXX, my wife suffering from XXXX, after full compliance with all of their demands, we were strung along with a myriad of, what they later described as " mistakes ''. These would include, but not be limited to : 1 ) failure to refund to us, some {$16000.00} of hold back funds when required work was completed, 2 ) a Sheriff 's Sale of our home when we were not delinquent, 3 ) Post said sale, revealing that we had XXXX dollars of credits posted to Escrow " suspense '' and " unapplied '' accounts ( said monies not listed in paperwork leading up to the sale ), 4 ) Stringing us along for almost three years during which we received phone calls and letters asking us to be patient and that they needed a little more time to resolve the mess, 5 ) Advising us by letter that the loan was paid off with no balance remaining, 6 ) Advising us that they were sending a Deed which we needed to refinance this and adjoining properties ( which was never sent us ) 7 ) At one stage, requiring us to sign a loan modification, " ... to get the settlement process working ... '', whereon they did not sign their portion, nor send any clarification of status until well after they had communicated in several ways that our loan was paid off. Subsequently, almost two years later, a copy of the completed/signed by them " agreement was sent us, and they started demanding payments, 8 ) When we wrote asking for clarification and providing them with evidence of the communication to us that following adjustments, we owed no money, they again strung us along with phone calls and letters advising they were researching the matter, and expected resolution within the next several weeks, 9 ) Despite these assurances that they were working toward a resolution ( and still so claim ), they again commenced foreclosure ( bear in mind we have yet to receive a deed which shows the property to be in our name ), the date of said sale is scheduled for XXXX/XXXX/16. In light of the other shenanigans that they are involved in, are others suffering such as we are? This matter appears to be clearly beyond our ability to deal with what appears to be a predatory ( admittedly cordial but with devastating results of our continued patience that they request ) action against folk that the Bank has extensive data as to the damages we have and continue to suffer. HELP!
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Systems International, Inc. (TX)

Credit Systems International continues to call me multiple times a day from multiple numbers throughout the state of Texas. I have repeatedly asked for verification of said debt in writing, which they claim to have mailed multiple times. To date I have not received any communication other than multiple phone calls from this collector. 

They claim to be representing the City of XXXX, who was my former Electric provider over a year ago. I believe that I left my account in good standing and would like verification of the debt that CSI states that I owe. 

I have asked again via phone for this company to stop calling me. I was provided w/ their mailing address below and plan on sending a cease and desist letter via certified mail until they can validate this debt. I have also requested that they send me a letter via certified mail if they are in fact having issues getting a letter mailed to my address. 

Any help with this is greatly appreciated. The collector is more concerned with how I plan on " handling the debt '' instead of helping me verify that this is a legitimate collection. I will not be making a payment until the debt is verified in writing. 

Credit Systems XXXX XXXX, TX XXXX
Consumer complaint received 2015-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

While reviewing my credit report a few months ago, I noted an inaccurate report from Enhanced Recovery Corporation account # XXXX with original creditor XXXX. I contacted the creditor by phone and informed them that I have never opened an account with reported creditor on XX/XX/2014. They asked me to send them a dispute letter in writing and I did. Up until today, I have not received a response from them and the account is still showing in my report negatively. can you please help investigate this issue. Thanks
Consumer complaint received 2015-08-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

My name is XXXX XXXX and I used to have an account with Citizens Bank in XXXX CT. 
I had an overage back in 2012 I believe and this bank charged me like XXXX dollars a day ; in response I closed the account but they kept adding charges for over a month. Citizens Bank trumped up charges for under a {$100.00} to a {$290.00} debt which is just bank charges. I would have resolved the balance but they were more interested in getting as much as they can out of me. The bank 's behavior was predatory and I would like to have this account removed from the National banking XXXX because it is preventing me from opening an account.