davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-13
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Red Cedar Services, Inc (VA)

I am in bankruptcy chapter XXXX. Third party company continues to call after I have informed them I am in Bankruptcy XXXX. Told me today they were calling XXXX, Police and others to be at my home shortly. I left work to go home. The numbers calling from are:XXXX andXXXX
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I have a paid State tax lien and it is suppose to come off XX/XX/2017 and it is stopping me from getting a good interest rate on a home. I have disputed many times with no call back no report it just says lien verified.
Consumer complaint received 2015-05-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NY)

I have demanded authentication from Equifax pertaining to the multiple negative postings on my credit bureau. XXXX XXXX, a public utility without authority to even post accounts on consumer credit reports has consistently moved XXXX account into another, thus creating a total of XXXX trade lines, all negative. Equifax has not completed a reinvestigation properly to show that XXXX account ties into the other. This abusive reporting process should be heavily scrutinized by the Federal Trade Commission. Currently, there is no ties of the Fair Credit Reporting Act to public utilities, as all utilities are governed by state public service commissions, not the Fair Credit Reporting Act. Equifax must show an actual connection by written proof of a contract between the parties before a trade line can be set on a credit report. This can not be the case for a public utility like XXXX XXXX.
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NY)

I need clarification from Seterus , Inc . 
In the previous response from Seterus , Inc., the company again is claiming I have not paid the months of XXXX and XX/XX/2017 which is untrue, I have always issue my mortgage payments in a timely manner and that is indisputable, see attached! 
Now in order to get this finalized is Seterus, INC says I have to pay {$260.00} and sign a request to get the escrow funds which I never agree to put there in the first place to be released? Or just to be more clear, if I pay {$260.00} and I sign the escrow release form my account will be bring back up to date without any other hidden fees? Also, will Seterus, Inc remove the many bad credit reviews they did to my account which has affected job 's and credit?
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

Over the last several years I have been trying to work with Equifax directly because they have made my credit report unavailable to myself and to anyone who is looking to review it for the purpose of obtaining credit. It has been brought to my attention in the past that due to the size of my credit file the Equifax system is unable to process request to view my credit history. I have written letters and have asked for this issue to be corrected and still nothing happens. They tell me that because they see it in their internal system it has to be a problem with the company trying to pull it. In fact the problem is the Equifax system and its inability to house my huge file. I can not pull it up online myself to review and dispute items, I can not pull it through the annual credit reporting site as allowed by law. Creditors can not pull it either. I have had issues in the past with this and I get the back and forth from Equifax. I know for a fact that at some point there have been several unauthorized inquires on my report which have caused my report to get too big and was told this was causing the freezing. I reported the unauthorized inquires through online dispute forms and nothing. Just canned responses. I do n't know what else to do to get this issue resolved. Sometimes the credit report works and sometimes it does not.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the third time I must dispute this same bad debt. Upon attempting to dispute on this occasion Equifax has made it increasingly difficult for me to dispute this debt as they now will not let me access the online dispute system and are forcing me to fax my dispute with a copy of my identification in order to file a dispute. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file only difference being they are the same debt shopped to different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are super shady practices and this has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports.
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

Did not open a loan in 2009 with XXXX. Nor did I co sign for anyone.Also, I never had a XXXX account. No mail for me has Ever been give that address on my behalf. Found out that it belongs to my ex husband.
Consumer complaint received 2021-09-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A. (CA)

I have been trying to get this fixed for months now I Called BBVA XXXX regarding fixing this matter that I have regarding they reporting 2 late payments on my credit report that they did in error the first one was XX/XX/2021 and the second one is XX/XX/2021 i have never been 30 days on this account. What happen is someone used my account and bbva closed that ACCOUNT and opened a new one for me but they kept trying to pull from the old account and they call me and tell me im past due when the money has been in the new account the whole time. They do not talk to their other departments so i took matters into my own hands i filed a complaint with XXXX XXXX XXXX and i got a call from XXXX XXXX OPERATIONS ANALYST XXXX I finally got to speak to her today XX/XX/2021 and i told her what the issue is and what needs to be done she tried to hit me with the fair credit reporting act laws regarding a late 30 day payment that they caused and are admitting to but saying that i can file a dispute with the bureau and i told her the bureau is going to tell me you guys have to fix the issue not them. she then told me she will put in the request regarding the late 30 days but its not promise that they will fix the issue they caused.
Consumer complaint received 2016-10-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Williams & Fudge, Inc (SC)

I attended XXXX University almost 10 years ago. My students loans were taken out in my name by my mother and not by myself. I did n't know about these loans or agree to them. I found out about the loans after she passed away and now they want to make me responsible for them. 3 years ago I joined the United States XXXX and am trying to go back to school while I serve as a XXXX. I contacted XXXX University to request my transcripts be sent to my new school. They say that they cant release my transcripts until I pay them {$1500.00} which is not possible at this time. I even asked if I could start a payment plan and I was told it had to be paid in full. I even stated that these transcripts are for military purposes and they still refuse to help and send the transcript. They say that they greatly appreciate what our service members do for this country and love helping out, yet they want me to pay {$1500.00} for a {$6.00} transcript and all this is so that I can do the right thing and continue my education to obtain a degree and become an officer in the XXXX
Consumer complaint received 2017-03-18
Product: Credit card — 
Issue: Other — 
Company: ERC (MN)

I have recently apply for a mortgage and I was informed that there is negative or derogatory account reference ERC. I Received a phone Call from ERC for a debt they calm i owe for my XXXX account. I wrote a written request for validation with my signature for this account and not succeeded in respond from them and still they have not removed derogatory mark from my credit reports even after filing to disputes with the credit bureaus. I request for validation with my signature or timely remove the their record from my credit report.
Consumer complaint received 2016-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (SC)

I have XXXX debts with Enhanced Recovery Corporation. XXXX debt was with XXXX that was ended in the year XXXX but ERC is reporting that it was open in XXXX/XXXX/XXXX. They will not provide me proof that this debt is mine and that the information is correct even though I told them the information they have is wrong. they also have been reporting a debt for {$180.00} that when I called and asked for validation for this debt they could not find the file. This is beyond unprofessional and i 'm requesting a full deletion of these reports on my credit reports.
Consumer complaint received 2015-12-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

XXXX XXXX from Procollect advised me that I need to contact him, but I have already forwarded him documents confirming that the account is not mine, I am already registered with the Do Not Call List and he keeps calling me daily.
Consumer complaint received 2016-05-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I created a CitiGold bank account with Citi bank, I was told by several representatives that I would be receiving XXXX XXXX miles after signing up, using their bill pay system, and spending {$1000.00} on my debit card - I completed those goals and was told again that I would be receiving the miles. 

Now after still not receiving them I am told that I was not qualified for the bonus in the first place. I have saved the records of the conversations with representatives telling me that I was enrolled in the bonus program.
Consumer complaint received 2015-10-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

Procollect said I owed {$200.00} for a debt for medical treatment by XXXX XXXX XXXX for me, XXXX XXXX, date of service, XXXX/XXXX/08. My XXXX XXXX plan EOB shows that they were paid the PPO allowed charge of {$200.00} and I owed {$0.00}. I have talked to them a number of times, mailed letters from my health plan, and a copy of the EOB. They will not work with me to resolve the matter, refuse to let me talk, insist I owe the debt, reported me to the credit bureaus and continue to harass me by phone
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (PA)

I was a recipient of a meager {$500.00} from the XXXX. I was then sued by JP Morgan Chase in foreclosure. I believe when they saw I was a part of that lawsuit the switched out the Plaintiff for XXXX loan with what looks like a fake allonge. At the same time I called XXXX and they said they were in possession of and own the note. 


This all resulted from a fraudulently induced modification by XXXX in 2010, where my ex husband who is on the deed did not sign the modification. My income was not enough to pay the loan and still be able to pay other bills. It did not lower the payment or interest rate but they charged me {$1800.00}. They delayed the modification first, for 6 months and added a bunch of charges. I do not believe XXXX was allowed at that time by the DOJ agreement to do modifications. And with the XXXX in settlements from those banks, it appears very little went to the victims. Where did it go? 
The county judge in Pennsylvania would not allow me to file a counterclaim and granted them a summary judgment. 

I can not afford a lawyer. Today I got a notice of Sheriff Sale from XXXX. Is there anyone that can help me?
Consumer complaint received 2015-10-13
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (LA)

had an account with US Bank, used it quiet a bit for reservations, XXXX XXXX had my card on file, in XXXX their was a bill for XXXX charging me for a stay that I did not do at a campground, I contacted my credit card company and told them this was a mistake, they investigated and gave me a refund credit of XXXX, I then in XXXX closed out said account because I felt now that my card was hacked by this company, received XXXX bill with a closed account and everything XXXX out, and they even sent me a check refund for overpayment, thought this was over, now I have recived a bill from US bank stating I owe them XXXX, contacted them and they said I had to pay it, I donot owe them XXXX when I had a zero balance and closed account, please help
Consumer complaint received 2016-03-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (IL)

US Bank has an online app through the iPhone that allows consumers to make payments on credit cards via their checking account ( both the checking account and credit card are US Bank affiliated ). The application gave no visual feedback confirming a payment in the amount of {$1500.00} was made after two attempts. This seems to be a software bug ( usually I get a confirmation of payment ). So I used the desktop browser online banking to make my payment of {$1500.00}. Everything seemed fine until the night of Friday XX/XX/XXXX into Saturday XX/XX/XXXX when {$3000.00} additional were withdrawn from my checking account and placed on the card. Ironically the one time {$1500.00} payment paid off the card in full. So what is now reflecting in my bank account is an overdrafted checking account of about - {$2200.00} and a negative credit card balance of {$3000.00} ( in other words, they owe me {$3000.00} ). 
I asked them to fix this immediately and was told that it may take up to 45 days to be resolved. Initially the credit card portion of US Bank customer service implied it was my fault and that I probably paid ahead in anticipation of a large purchase with my credit card ( not true ). When I finally spoke with a professional banker, the service was better but I was told that I am out of luck. As it is XX/XX/XXXX all of my future obligations to pay bills, student loans, and rent, may not go through my checking account, and I am responsible for all late fees incurred outside of the checking account. I was told that " eventually '' they will reverse the {$3000.00} overpayment and will not penalize me with overdraft fees. Is it really fair to me as a working class consumer with student loans that I must now face eviction and delinquencies on student loans all over a buggy iPhone app?
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MA)

US bank set up a payment plan for me which was difficult to pay at XXXX I called the bank and set up a payment for my regular payment which was deducted on XXXX/XXXX/16 for XXXX which has cleared by bank, they will not ap not apply that to my account and will not return till XX/XX/XXXX
Consumer complaint received 2015-11-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (MN)

I started a short sale process XX/XX/XXXX and had multiple offers on my home at XXXX XXXX XXXX, XXXX XXXX, MN XXXX. The bank responded to the first offer presented to them as being too low to meet the requirement. They sent me an appraisal with the minimum net offer amount. My realtor then presented them with a 2nd offer on XX/XX/XXXX after several attempts to get them to clarify the net amount. The net amount for the offer was {$120000.00} to begin the negotiation process. The offer was to expire on XX/XX/XXXX. We did not hear anything from the US Bank negotiator until XX/XX/XXXX with a request for bank statements from XXXX XXXX, a Default Resolution XXXX with US Bank. His request for my bank statements went thru my realtor, which I thought was strange. A realtor usually does not collect financial data on its clients. My realtor forwarded the request to me and I sent both XXXX XXXX and XXXX XXXX, who was then my relationship manager at US Bank my bank statements. XXXX sent a confirmation of receipt of my bank statements. However, I never heard back from XXXX XXXX about the offer presented to the bank on XX/XX/XXXX. As the offer expiration approached, my realtor XXXX XXXX and I made several attempts to get some sort of response from the bank. The very motivated buyer extended the offer to XX/XX/XXXX in hopes of getting a response from the bank due to an email received from XXXX XXXX on XXXX stating that the loan review was escalated to senior management and allow 2 weeks for XXXX to be contacted by the negotiator or another XXXX. We never got a response about the offer. The buyer and my realtor then walked away. I sent in a request for a deed-in-lieu of foreclosure on XXXX/XXXX/15 due to the banks failure to respond to offers. I also filed a complaint with their Default Complaints Escalation Center of US Bank Home Mortgage about the offer and the failure to respond to the offer in a timely manner XX/XX/XXXX. I did receive a response from the Default Complaints Escalation Center on XX/XX/XXXX, I received a letter referenced Loss Mitigation Summary Information that stated that my Short Sale was not approved because " We have yet to receive a sufficient short sale offer that meets program requirements. '' and DIL was " '' The application did not indicate interest in in pursuing a deed-in-lieu and therefore you were not reviewed '' and it did not mention that US Bank Home Mortgage failed to respond to my last purchase agreement which forced both the buyer and realtor to abandon the offer. 
I have since spoken with several staff at US Bank Home Mortgage who have acknowledged " dropping the ball ''. However, they have not repaired my credit, nor have they tried to do a " deed in lieu. '' The repeatly cover up their mistakes and deny any wrong doing on paper. I would like the bank to regulate short sales with big banks.
Consumer complaint received 2022-03-29
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2015-09-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (CA)

when I was issued USBANK credit card it was disclosure about interest rate and term that I agreed, my point in credit cards XXXX, XXXX and XXXX since they are dealing withmoney that credit cards co must protect their clients against fraud and identity theft, on XXXX/XXXX/XXXX I purchased item that was defective and incorrect power source, since the item coming from XXXX, since I paid with my XXXX card, USBANK must disclose the transaction to me that if paying with XXXX if returning the item you are responsible for shipping cost if your item is defective and wrong not only did that it also caused stress and financial injury for not disclosing it at time of purchase than must pay the cost and compensate me for stress and financial injury and CFPB must panelize them. I think the XXXX committed fraud and knowingly shipped the defective item with wrong power source and since the cost of shipping is about {$210.00} I will not be able to return it.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VA)

When my IBR was due for its initial review in 2013, I had been receiving emails through XXXX. I did not receive an email notifying that I needed to recertify my loan. The only warning I received noting my IBR expired was a large automatic withdrawal from my bank account. When I called the company, they told me to check my junk mail. When I did, I saw a solitary email noting that my IBR was up for renewal. This was the first time I had to do this process. They told me it was my fault and they would not uncapitalize the {$11000.00} that had been placed on my loan. Since then, I only receive paper statements. I feel tricked. I received an email every month stating how much money I had to pay, but did not receive the big email that was work {$11000.00} of capital? No warnings or anything. Then they did not work with me. I heard from one of my internmates this happened to her too, but when I saw the news reports I realized this may have been less of an email mistake and more of a calculated issue. I wonder how many other people had their loans capitalize on them effectively putting them further in the hole.
Consumer complaint received 2023-02-03
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. (AR)

In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1681C. ( A ) ( 5 ) section states : no customer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.