davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (MS)

I was mailed a settlement offer letter. The letter was received after the due date for the settlement. I attempted to contact the collection agency multiple times and they refused to honor the settlement offer and payment arrangements. When I asked them to stop calling me they continue to call all of the representatives and supervisors we 're rude and threatening except  XXXX   XXXX .
Consumer complaint received 2015-05-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It is with a very heavy heart I am writing you this email. My husband is XXXX military and I work as a XXXX. A week prior to meeting my husband, in XXXX XXXX, I closed on my XXXX house in up-state XXXX. I then went on a blind-date with my ( now ) husband and he XXXX move to XXXX XXXX, XXXX shortly after. We made the move across country in XXXX XXXX and I chose to become a landlord as I thought I could successfully rent my property with help of a property manager. The XXXX property management team was able to secure a renter for two years. However, at the end of that two year period we found out that the property manager had been lying to us and stole money from us that he stated were for repairs. The tenant moved out and we changed property management companies. The next one was unfortunately not much better and she continues to " bully '' us when asked why she is not even listing our house on her own website. We listed the property for sale in XXXX XXXX and received XXXX different offers but the buyers could not secure their own loan. In XXXX XXXX my husband XXXX. I called Bank of America ( our lender ) and stated that I would not be able to pay the mortgage as we could not sustain XXXX separate households. Bank of America had me jump through the usual hoops by completing financial paperwork showing that we just could not afford the XXXX house. Bank of America requested for an appraisal which showed that I owed less than the house is worth so they would not approve a short sale. I then asked for a Deed in Lieu but was denied as we had not lived in the house in the last 18 months which is a requirement for Deed in Lieu. In XXXX XXXX, when my husband XX/XX/XXXX, I was told that I would need to wait for the foreclosure to proceed and that I was out of options. Despite my best efforts of continuously calling Bank of America and begging for some type of movement, regardless if it is a short sale, deed in lieu, or foreclosure, I have still have not received any assistance and continue to pay the utility bills for this vacant house. I have even gone so far as to reach out to the C.E.O. of Bank of America who reads my emails ( read receipt through Outlook ) but refuses to even reach out to me or give me guidance where to go. My husband has now XXXX moving us to XXXX XXXX, XXXX and although we continue to move about this house is still leaving us with quite the heavy burden. My husband and I already go through enough with military requirements and separations and this house is standing in our way from truly feeling free. Thank you so much for your time and I hope you respond as I feel terrified that we have run out of options. Please help my husband I get out from under this burden! 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (MD)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DC)

I applied for a mortgage modification and was declined in XX/XX/XXXX due to income. I later received information that my home was being foreclosed. My lawyer stopped the foreclosure. I was later given another court date. I submitted another modification request I XX/XX/XXXX before my court date. The judge did not foreclose my home but Wells Fargo refuses to help me save my home by doing a modification. The servicing company for Wells Fargo is America 's Servicing Company. My income has improved for my husband and myself that is now stable.
Consumer complaint received 2017-10-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meade & Associates, Inc. (OH)

This debt occurred while having a XXXX XXXX XXXX at age XXXX. My previous XXXX had XXXX and as a result my XXXX XXXX XXXX at XXXX year XXXX XXXX. 

The staff of XXXX XXXX XXXX 's office - XXXX XXXX 's XXXX, were very insensitive to my XXXX and XXXX. They treated me like I was XXXX, XXXX  me and ignored my concerns, instead of treating me with the human dignity I deserved. My concerns were valid. I even wondered if because I was of a different culture than this entire staff if that is what presented such a barrier with how wrong this went. 

As a result, I ended the relationship as a very dissatisfied XXXX and moved on to an XXXX who could provide the necessary care to me and XXXX XXXX XXXX. 

XXXX XXXX 's XXXX received payment from my insurance company for goods and services they did not fully render. The balance here is what was remaining unresolved, as all of my past attempts at resolution failed.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (MA)

I opened a checking account with chase last Friday night. Obviously I knew there was a long holiday weekend. I did notice a hold on a measly XXXX check I deposited from one of my other checking accounts from XXXX. Explanation from the company was the hold was due to not being able to get the money from XXXX quickly enough. Which is odd to both XXXX and myself- as they pulled it and said there is zero problems on their end and they chase is lying. Chase says now that I cant even access the money until XX/XX/XXXX. Thats twelve days after the deposit- I dont care that weekends and a holiday were included thats NOT what you advertise when you speak about mobile deposits. I also was told by the app itself that you were going to deposit money into XXXX and pull it and that I had to verify it. Funny you can place holds ASAP on a check but cant deposit the small amounts you said you were going to so that I could verify that bank. Also this card company has NO issue with either of my other two checking accounts XXXX  or XXXX  when it comes to paying their credit card I have with them. Then they dont have an issue with those other banks. So when theyre getting paid from these banks they dont verify anything but I was told IN their secure message center on the app from some cs guy yesterday that I need to call loss prevention about fraud. Is this bank for real? Why should I even direct deposit or deposit anything else when they are lying and another bank said they were. If they dont get this fixed - they can close it.
Consumer complaint received 2021-09-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Bad Warranty Car Vehicle was bought /signed for the amount of {$8300.00} from used car lot. My name was copied and pasted unto more paperwork stating that I would pay back double that amount. No way would I have signed for that. Within 1 month of purchasing the vehicle the car started acting funny. I took it back to the place and the one who sold me the vehicle no longer worked there. I do know " Lemon Law. '' The North Carolina Lemon Law, also known as the New Motor Vehicles Warranties Act ( N.C.G.S. It requires manufacturers to repair defects that affect the use, value, or safety of a new motor vehicle within the first 24 months or XXXX miles ( whichever comes first ). I was told that the car was sold " AS IS '' but I asked them where was the paperwork saying " As Is ''. I called Credit Acceptance and they said they couldn't do anything about the issue as well. 5 months down the line, the vehicle gave out at work. The car wouldn't start, the wheel wouldn't turn and also the wheel locked up. I called Credit Acceptance right than and there. As you look at my paperwork, how my name is signed, that's not my handwriting. Back in 2016, Credit Acceptance went through XXXX of lawsuit loans. Meaning their loans were bad. Credit Acceptance didn't tell the truth to the investors when loans were given out.
Consumer complaint received 2021-01-19
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. (IL)

DEPT OF ED/XXXX- Account number XXXX ( XXXX XXXX  ) - ACCOUNT NUMBER XXXX These two accounts are involved in LITIGATION. It is reporting inaccurate on my credit report. I completed the Rehabilitation Program and ALL default is to be removed from my credit file. its reporting false address as well. These accounts are still reporting delinquencies. XXXX  and XXXX have corrected this account. Theses errors need to be corrected right away or delete these accounts from my credit reports.
Consumer complaint received 2017-01-10
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (GA)

a representative of Midland credit management at XXXX XXXX has been making harrassing phone calls to XXXX XXXX regarding my debt. The debt has been charged off by XXXX XXXX the representative advised XXXX XXXX that XXXX XXXX is reporting it and so are they. My next step will to seek legal counsel regarding the practices of Midland Credit Management
Consumer complaint received 2022-09-08
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. (LA)

In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this report
Consumer complaint received 2017-07-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

To whom make concern : XXXX XXXX XXXX XXXX XXXX XXXX that it had been my only checking and savings for 19 years and it was originally entitled XXXX XXXX XXXX XXXX charaged me inapproply for a {$45.00} after I closed my account and failed to inform me that I owe anything. The president XXXX XXXX immediately sent the matter conserving a {$45.00} to a collection ageny and significantly affected my credit score in a negative way. <P/>I received no correspondence from the bank or any collection agency. I learned about it when I opened a checking account with XXXX XXXX in XXXX Massachusetts. XXXX XXXX  officials notified me that the collection had been placed into collection XX/XX/XXXX and I did not learn about it until I open another account in XX/XX/XXXX. <P/>During the 19 years as a credit member at XXXX XXXX XXXX I purchased four vehicles ( two motorcycles and two foor door vehicles and paid off all of my loans impeccably.
<P/>XXXX XXXX 's decision with spiteful, unprofessional, intentional and damaging to my credit. That is unacceptable coming from a credit union, so I making this complaint to the federal trade commission as well as the commission of credit card companies against XXXX XXXX only took over as the president of the credit union three years ago. ( XX/XX/XXXX ) He is a cold, unprofessional who treats cumstomers poorly. I have also sent a copy of my complaint every member of the XXXX XX/XX/XXXX 's board of directors and received no response. <P/>My objection it is they treat a very small credit union that is set up for municipal employees and teachers like it 's a gigantic corporation and we are just a number. That was never true before XXXX XXXX was assigned to the presidency by the board of directors. <P/>I would like the matter to be rectified, investigated in my credit restored by the credit union contacting the Frederal Trade Commission directly and the three major comsumer credit agencies to remove that false statement. <P/>XXXX XXXX 's unethical behavior and unfair treatment to a member of 19 years illustrates the fact that he does not belong leading a credit union, rather he is more suited to be a debt collector or an insignificant staff member in a large financial institution, because he lacks the communication skills or professionalism to represent a credit union that serves the needs of firefighters, teachers, and the police department and XXXX and other XXXX XX/XX/XXXX. <P/>Thank you for teaching out to me in order to help me in this situation which is unfair and unethical on the part of XXXX XXXX and XXXX XXXX XXXX XXXX newly named to the XXXX XXXX XXXX XXXX, I would never have believed that a credit union would deliberately impact a 19 year member 's credit negatively. <P/>Sincerely, XXXX XXXX XXXX Former Account Number XXXX.
Consumer complaint received 2017-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Riverwalk Financial Corporation (TX)

XXXX claimed that I received a package that was mailed to the wrong address. I informed them that I did not receive the merchandise and I did not live at the incorrect address. They stated that they would mail me a dispute form. I never received the dispute form and I attempted to get it sent to me again. It did not come to me. I have been disputing this charge for at least 3 years. I can provide my address to the reporting agency to show I did not live at the address mentioned. They can investigate if I knew those people at that address if they choose and they will find me innocent. This has caused me grief and hurt my credit for years. All I wanted was my charges to be removed for STOLEN merchandise. I now want all {$640.00} in charges and history removed from my credit report now. Deville Asset Management, can you show me a signed slip that I received the merchandise, if you do, I bet it does n't match any of my signature types. This is completely unfair and embarrassing.
Consumer complaint received 2017-10-23
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: EQUIFAX, INC. (FL)

SOME UNKNOWN PEOPLE OPENED UP ACCOUNTS IN MY NAME WITH THE COMPANIES ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX ) WITHOUT CONSENT. I HAVE ATTACHED A COPY OF MY POLICE REPORT.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have submitted several disputes with Experian and it seems as if they are not conducting an actual investigation/research as they always send a general response by email stating updates have been made ; however, these updates are incorrect & on many I dont see the updates that took place when comparing the account before the dispute & after it was completed. One this specific dispute, I included a document from the collection agency stating they decided to close the account and that they will have it removed from the credit reporting agencies. I submitted the dispute directly once I identified it was still reporting and once again Experian sent a general response stating the account was updated and the item was not deleted. I called customer service and spoke with XXXX who confirmed the dispute letter along with the document from the collection agency was received. He stated an investigation did in fact take place but it was verified it was correct. I am not understating how it can be correct and not deleted even when supporting documentation is provided. Based on this dispute and others I have submitted, it is clear that there is no actual research being done which causes a negative impact to consumers daily. I am submitting this complaint as Experian needs to be investigated and audited to ensure this does not continue to happen. It is very concerning especially when there is supporting documentation provided and the results are still the same.
Consumer complaint received 2020-10-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (AZ)

I went to XXXX XXXX XXXX to purchase a truck per their advertisement of great deals. My wife and I drove from XXXX XXXX XXXX. When we got their we met with salesman XXXX. We chatted and then he showed me a vehicles ( trucks but then ultimately the XXXX XXXX ). He pulled credit and said that the only way we could trade in my Truck is to trade in my wifes XXXX XXXX as well ( now I am realizing very high sales and pressure tactics ). Well we did and walked about with XXXX XXXX XXXX XXXX. I could not get funded immediately and was given the run around for two months. All the while they are telling me that all is ok. XX/XX/XXXX is when we purchased the vehicles. I kept calling and calling weekly and daily to find out what's going on and if I am approved. It was not till about XXXX or XXXX that I get a bill from Santander Consumer USA stating that I owe them 2 months. I immediately called and spoke with Santander agents and was given the attitude of like " oh well who cares now pay your bill. The bill was XXXX a month and I could not afford that. Long story short they repossessed the vehicle in early XXXX. The whole thing from beginning was unethical and unfair leading ultimately to a repossession in which Santander knew it would happen. Now as you are aware that Santander is in a class action lawsuit in which I KNOW i am a victim of their unethical business practices. I was advised to call my local Attorney Generals office to see if I am on the " list '' of people whom the loan would be bought back if it was repossessed. I did and the Attorney General just referred me back to the multi state website and to monitor it daily. I am getting the run around as usual from Santander.
Consumer complaint received 2017-10-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo calling from phone number XXXX, keeps calling and hanging up without speaking. When I finally called back and told them this is a Federal Government office ( USPTO ) and to stop calling ( as I do n't have any loan or any dealing with Wells Fargo ), they refused to agree. Instead, they demand to know my name ( first name ). I told them to instead give me the name of the person they are trying to call. But they refused. Generally, they call several times a day and hang up whenever I answer.
Consumer complaint received 2023-01-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I sent a XXXX dispute letter to TransUnion on XX/XX/XXXX. They received it and my disputes were active on XX/XX/XXXX. Under federal law, they have 30 days to complete my dispute. Either verify them or delete them by XXXX XXXX. Today is XX/XX/XXXX and it has been more than 30 days
Consumer complaint received 2017-10-23
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

A fraudulent account was opened in my name XX/XX/XXXX.  I became aware of the debt on my credit Early XX/XX/XXXX. I have contacted USAA 10x. Everytime I Call I get transferred 2-3x. I have disputed my credit report several times. USAA has not sent proof that the debt belongs to me. In XX/XX/XXXX I called XXXX   fraud department to dispute the validity of the debt on my credit. The XXXX  fraud representative has called USAA on the phone 3 way to dispute the information. Even sent police reports and a fraud packet. Still no resolution. 
On XX/XX/XXXX I once again called USAA I was transferred to 5 different times. You can speak directly to the fraud department I was told by the last representative I spoke with that there were several fraud investigations opened from when I had been calling in all year but yet no one has done anything. USAA refuses to anything. There not investigating or they havent provided any documents proving I opened the account or it belongs to me. It still remains on my credit and when I dispute it as fraud all they respond to the credit bureaus is updating the data on the collection. I had a fraud alerts on my account when the account was allegedly opened and I was never contacted by USAA to verify my identity.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Management Partners, LLC (MI)

I received numerous threatening calls from Account Receivable Solutions, XXXX XXXX XXXX and Allied collection Group demanding that I pay the debt owed, otherwise I would be sued or taken to jail. They also threatened to come to my home and place of employment. Arrangements were made to pay debt in full, and the following accounts were supposed to be removed from my consumer credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} 2. XXXX XXXX XXXX {$340.00} XXXX. Allied Collection Group-XXXX XXXX {$450.00} I am requesting full DELETION of these accounts from my consumer credit report.