davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX I placed credit freezes with all the bureaus, as a protection in the wake of the XXXX breach. I was able to place free freezes with the other bureaus, but Transunion made me input a credit card number and then charged me {$3.00}. I later looked up their fee chart ( https : //www.transunion.comXXXXXXXX ) and saw it should have been free, since I live in New York . The address they have on file plus my credit card billing address are for my current New York address.
I spent about a half hour on the phone until someone told me that I was charged the rate for a Georgia resident. I have not lived in Georgia since XX/XX/XXXX. I have no idea why I 'm responsible for paying for their incorrect information, which I never consented to them having in the first place. No one on the phone had any idea how to refund me. They just bounced me to other clueless reps.
In the course of the calls, I was told to call another number, which I did, and it sounded remarkably like a scam. The rep 's first question was for my full social security number, which I refused to give him and hung up.
I understand the {$3.00} I was billed is a tremendously insignificant sum in the grand scheme of Transunion 's decades of unethical XXXX, but it 's still unjust and I want to do anything in my power to never give these extortionists any of my money. So I 'd like the {$3.00} they stole from me on the justification of their own incompetence back.
Thanks for any help.
Consumer complaint received 2017-10-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XXXX/XXXX/XXXX I bought 3 X 5 year CDs from Fifth / Third Bank ( Required was a savings acc. with a {$1000.00} minimum and a checking acc with a {$500.00} minimum ) XXXX/XXXX/XXXX my savings acc.  charged 2 X {$5.00} / My checking acc charged 3 X {$5.00} both for 'dormant fees ' No notice or warning was given. I 've never heard of a dormant fee.
Consumer complaint received 2017-10-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

Good Afternoon, My name is XX/XX/XXXX, currently I owe {$4800.00} to IQ Data INT. In the past I did stay in apartments and had a roommate of the name XX/XX/XXXX. I did not finish the whole the lease but I did sign a Roommate Release Form and had my name removed from the lease along with any other payments. Recently I tried to apply for an apartment and this popped up, I 'm just very confused and would like this matter resolved since it was no longer my debt once i signed the release form. I 'll be awaiting your regards.
Consumer complaint received 2017-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (IL)

This applies to both Private and Public loan service providers and is partly due to a significant gap in 34 CFR 685.204 concerning In-School Deferment and the National Student Loan Data System. Per 34 CFR 685.204, ( b ) ( 2 ) ( iv ), Student Loan custodians MUST process in-school deferments when they verify a borrower 's half-time enrollment status. First and foremost, this section should be amended such that the Student Loan originator MUST NOTIFY the borrower of their updated information and eligibility for In-School Deferment. At a minimum, the statute should include a mandatory notification to the borrower that they have been placed into In-School Deferment. I will now present an example of how the current process is predatory in nature : Educated borrower has graduated and begun making payments. They sign up for automatic bill pay with each Student Loan Originator and begin to pay down their debt. Years later, they decide to re-enroll to pursue a XXXX XXXX XXXX. They do not take out any additional loans. Unbeknownst to the borrower, the school supplies the borrower 's information to the National Student Loan Data System (  and possibly the National Student Clearinghouse ). The Student Loan Originator receives this information and as required by 34 CFR 685.204, ( b ) ( 2 ) ( iv ), moves the borrower into In-School Deferment. The Student Loan Originator has no requirement to inform the borrow of this transaction. While in deferment, minimum payments drop to {$0.00}, so no further payments are made. For borrowers with unsubsidized loans, their interest continues to build, with payments no longer coming in. So, through no action of the borrower and no notification to the borrower, the Student Loan Originator has increased the overall cost of the loan to the borrower, by a difference of potentially thousands of dollars. This is a predatory action. Any and all activity into and out of deferment should require written documentation and notification to the borrower. Additionally, Student Loan Originators should not be required to AUTOMATICALLY move borrowers into In-School Deferment. The action should instead be to notify the borrower to request permission to move their loan status to In-School Deferment.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There is an account with XXXX XXXX XXXX that is now closed. The account was open in XX/XX/XXXX but it says XX/XX/XXXX. The account was supposed to have been removed but keeps appearing. I requested for it to be removed and its still there.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Creditor XXXX XXXX XXXX ( XXXX ) still showing open when should state closed status with {$0.00} balance. It was included in Bankrupcty and now is DISCHARGED. Bankrupcty case # is XXXX. Creditor keeps removing and reappearing on report. Also keeps changing statuses and balances every month.
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Our mortgage was just transferred to Freedom Mortgage XXXX XXXX, the letter we received stated we needed to send payments beginning XXXX XXXX to them. I had scheduled our mortgage payment through our old lender already and could not be cancelled. 

I contacted both XXXX XXXX and Freedom Mortgage immediately to inform them that the payment had been sent to XXXX. Both XXXX and Freedom informed us that we had a 60 day grace period for XXXX to send the payment and that it was no problem at all. 

We are getting daily calls and multiple letters in the mail from Freedom telling us that we are late. We have now received a packet from Freedom asking for all of our financial information, ways telling us all the different ways to avoid foreclosure, a Uniform Borrower Assistance Form. 

We are completely up to date on payments, there is no reason a mortgage company should be able to foreclose on us. Freedom refuses to contact the company to work with them to get their money. It is completely up to us to figure out how to get XXXX to give Freedom the payment we sent, otherwise, we are going to have this go on our credit and possibly lose our house- over being up to date on our mortgage payments.
Consumer complaint received 2024-10-10
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I signed up for a Pottery Barn ( Capitol One ) credit card specifically to take advantage of their 12 month 0 % interest offer. It was not made clear to me at any stage of the purchase that I had to select that offer vs a competing offer for " rewards. '' Upon getting the ability to log in to my account I set a recurring payment that would cover the total in 12 months. Luckily I logged in a few months later to double check everything was right, and I see I've been being charged interest.

Upon calling in they insist I " chose '' the rewards options and are refusing to remove the interest and future interest for the duration. I've called in and written and done everything I feel is possible through the Capital One and Pottery Barn channels. They are refusing to make the changes.

You'll note in the attached email that I didnt contact customer service sooner - this is obviously because I had set a recurring payment and felt I didnt need to log in until the 12 months was up! 

I did not elect for rewards vs 0 % interest at any time and would not have signed up for a new credit card had I not been led to believe I'd receive 0 % interest. This seems to be a classic bait and switch that in my mind amounts to fraud.
Consumer complaint received 2017-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery Associates, claiming that we owe the amount of {$910.00} from XXXX XXXX. This account seems to have been sold many times to different debt collector companies even when I provided documentation showing proof of payment to each company. Then I would get another letter from another company. 
We have been emailing them documentation showing that the account was paid to XXXX XXXX XXXX on XXXX XXXX, XXXX in the amount of XXXX. My bank statement shows payment to XXXX XXXX XXXX, web payment on XXXX XXXX. 
I had to take a personal loan out to my grandfather to pay my debit due to a forced medical retirement from my position as a XXXX XXXX. I know we paid this!! 

We have mailed them though out the years providing proof of payment. They will not stop! on XXXX XXXX XXXX I sent XXXX emails, certified letter on XXXX XXXX, regular mail, faxed on XXXX XXXX personally contacted them on the same day. They still send letters stating that they have n't received our information. They call all day long and will not stop. This has been on my credit report and has affected my life tremendously. 

I have included documentation of the, letter, certified mail receipt, email date and time, letter from portfolio, proof of payment, fax proof and letter stating that they have not received out documentation. Please Help, I do n't know how much more I can do. This has been going on for years!!
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When applying for my credit card with XXXX XXXX, I was under the mistaken belief that XXXX XXXX would be loaning me depositors money, which it received from its depositors or investors. I have found by researching relevant case law on the matter and reading XXXX XXXX XXXX, published by the Federal Reserve Bank XXXX XXXX, that XXXX XXXX created the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. 
In none of my transactions with XXXX XXXX Bank did any XXXX or employee notify me that your bank created money by a journal entry XXXX out of thin air ). After discovering this, I am prepared to proceed against XXXX XXXX for bank fraud. The banks transactions relating to me lacked XXXX necessary elements of a valid contract. 
Perhaps you should be aware of the following : United States XXXX, XXXX XXXX, XXXX XXXX, Paragraph XXXX confers upon a bank the power to lend its money, not its credit. In XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX S.E. XXXX XXXX XXXX ), the court stated : XXXX T ) he provisions referred to do not give power to a national bank to guarantee the payment of the obligations of others solely for their benefit, nor is such power incidental of the business of banking. A bank can lend its money but not its credit. 
Again in : XXXX XXXX XXXX XXXX v XXXX XXXX Bank XXXX XXXX, XXXX S.C. XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX It has been settled beyond controversy that a national bank, under federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon corporation. XXXX also XXXX Bank XXXX XXXX v XXXX, XXXX F XXXX ; XXXX Lns XXXX XXXX XXXX ). 
XXXX XXXX did not notify me that it created money by journal entry XXXX out of thin air ), defined as bank credit. To do so would have disclosed that there was no consideration from XXXX XXXX to me. 
A lawful consideration must exist and be tendered, to support the note. See XXXX XXXX XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 

This account with XXXX XXXX was created under fraudulent terms and violates United States XXXX, Title XXXX, Section XXXX, Paragraph XXXX. XXXX XXXX has agreed to close the account but not remove the account from my credit report. I do not want fraudulent accounts on my credit report. 

A copy of the notice sent to XXXX XXXX explaining the fraud is attached.
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

Sometimes ago I contacted your office regarding the Loan Modification Deferment. A check of my statement does not show that the deferment were made. I am entitled to 3 deferments. According to the contract if I pay timely I would get three deferments. The 1st one was done ( See attach  statement XXXX ). The next two were not done until after my complaint in XXXX XXXX. However the XXXX and XXXX XXXX statements does not reflect the deferments even though XXXX XXXX said it was done ( See attached statements for both ). In XXXX, the Principal balance was {$220000.00} ; On the statement for XXXX, the principal balance was {$180000.00} ; Def principal : {$65000.00} ; Defer {$110000.00}. Had Ocwen removed the Def {$110000.00} the monthly payment would have decreased because I would be paying on the XXXXr principal. It is not clear how Ocwen comes up with the Principal if all the deferred were applied.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 've recently been having fraud/identity theft suspicions and even more so once I heard about the XXXX breach. I decided I should check my free credit report. I have been trying to get my credit report from XXXX as suggested at the government site Consumer.ftc.gov since XXXX XX/XX/XXXX. I filled out all the correct personal vulnerable information it requested just to have the website tell me that I need to send in copies of my personal and vulnerable identification. I am then reviewing consumer complaints online and I figure out that many other people had various fraudulent problems with the XXXX site. I then tried to search the site for some way to get ahold of them and they have absolutely no telephone numbers listed anywhere! I then see that on the Consumer.ftc.gov site they have a the number XXXX listed for them. Extremely weird that I had to find their number on a totally different website. I called this number everyday since XX/XX/XXXX and was unable to get through to anybody. I 've called back and tried pressing every single numbered option available. I even got to the point of just pressing zero frantically to no avail. I then did some more research online and verified that many people had experienced the same situation as me. They input very valuable information such as social security numbers and more just to find out they were not getting there report either! Please help as I believe it is possible that I am another victim of credit report fraud. I do not know what to do when I have tried everything. I need to speak to someone now as fraud is a very time crucial crime that can drastically adversely affect your life as I 'm sure you know. I am a part of many XX/XX/XXXX. Myself and the other hard working American people want to know how these organizations can say what they will about us and theft can happen yet they have no one, not even one employee that works for them or even one single location where you can speak to someone??
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

Fraud, Robo Signed Documents submitted to The Circuit Court of the XXXX Judicial Circuit XXXX County, Illinois on XXXX XXXX, 2016 case # XXXX XXXX XXXX. I have included a Certified Forensic Loan Audit with an Affidavit for my property XXXX XXXX XXXX, XXXX XXXX, Il XXXX. Shellpoint Mortgage Servicing and its council failed to review documents and files to establish standing and other foreclosure requisites ; filed notarized affidavits which falsely attest to such a review and to other critical facts in the foreclosure process ; and " robo signature '' of documents by parties and council. The wrongful filing and prosecution of foreclosure proceedings which are discovered to suffer from these defects may be cause for disciplinary and other sanctions upon participating council. 
XXXX XXXX XXXX Master Servicer Loan # XXXX, Shellpoint Mortgage Servicing - Loan # XXXX and its attorneys XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Mortgage Pass Through Certificates - Regulated by the Securities and Exchange Commision. Note only one example of " robo signing '' and additional fraud is detailed are in the attached Certified Forensic Loan Audit, Assignment of Mortgage via XXXX, which is inactive but was submitted to XXXX County Recorder of Deeds by XXXX XXXX XXXX has XXXX XXXX signing on page 2 of 4 as Assistant Secretary of XXXX  and on page 4 of 4, has XXXX XXXX Signing as the Assistant Vice President of XXXX XXXX XXXX. I am request dismissal of case and Quiet Title.
Consumer complaint received 2017-10-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (GA)

SANTANDER CONSUMER USA is attempting to collect a debt that I have previously tried to settle upon proof of claim.On XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX, SANTANDER CONSUMER USA received a Debt Settlement Offer each time giving 10 days to provide documents that prove I owe a debt.On XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX SANTANDER CONSUMER USA received a Request For Admission & Affadavit Of Fact each time giving 10 days to rebut and respond. On XX/XX/XXXX SANTANDER CONSUMER USA received a Notice of Default and Estoppel followed by an Affadavit of Default and Estoppel received XX/XX/XXXX. SANTANDER CONSUMER USA has yet to respond to the forementioned to provide proof of claim and has defaulted but continues to pursue collection activities via Credit reporting agencies, phone calls, and sending a payment request to my home address and not to my XXXX XXXX as requested and I marked " return to sender '' due to no proof of claim. It was received by SANTANDER on XX/XX/XXXX. SANTANDER CONSUMER USA continues to harass me and is causing my family and myself stress as I am unable to purchase a home due to this alleged account on my credit report. I have never spoken with anyone at this company nor have I entered into any contract ( s ) with this company and they refused to provide any wet ink signature, original document ( s ), two party contract, rebuttal of affidavit, or any of the items requested which will be attached documents included in this complaint as well as proof my mail was received by SANTANDER CONSUMER USA. I have given SANTANDER CONSUMER USA six ( 6 ) opportunities to provide proof of claim and after 9 mailings have dishonored and defaulted in this matter.
Consumer complaint received 2017-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

HSBC is dragging this out rather than just close the account, I did not see any way to update my previous complaint in which the bank refuses to close the account, now they are trying to charge me maintenance fees for an account they refuse to close. 
I have no access to the account and do not want it. 
I signed up for a promotion they offered, and they did not live up to the promotion, their representatives kept adding conditions that were not disclosed, and then telling me I did n't have the 'right ' kind of account in the first place. 
So the promotion was a fraud, I want nothing more to do with them, and their sham of a response 'needing more time ' is just their effort to drag this out and try to collect fees that I do not owe them since the account should have been closed.
Consumer complaint received 2017-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I paid down my home equity line of credit to zero but kept the account open. Then i was charged a {$400.00} fee. I called the Bank of America customer support line 7 times and was unable to reach an associate 6 times. On the XXXX try I reached XXXX in the XXXX call center, who is a HELOC specialist, and was told this was a lien against my account and that my account was closed. I said that was not correct -- I never closed the account, only paid it down to zero. I was also told that I would continue to be charged interest on this balance until XXXX even though I no longer borrowed any money. I was told that even if my balance were zero I would continue to be charged interest because " that is the way variable rates work. '' Unable to get a straight answer from the HELOC support team, I tried calling the branch ( at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) where I took out the home equity loan because the HELOC had been apparently misrepresented when sold to me. I called 10 times and the phone rang with no one to pick it up. Finally I drove into the branch to talk to someone. When I ultimately spoke to someone, I was told they would take care of things for me. The bank manager and a staff member named XXXX said they would call the following Monday and then call me back. That never happened. 

I placed a complaint with the CFPB because I ran out of other options. Fortunately, I received a response to the CFPB complaint. But it was not from Bank of America. The response came from a debt collector requesting my personal information. Since Bank of America is not responding to this complaint, I ca n't verify if this organization is legitimate or shady. 

The debt collector is only open until XXXX. There is no email or web form ; there is only a phone number. I have called XXXX XXXX, XXXX XXXX, and XXXX XXXX without response. 

As Bank of America will not contact me directly but seems to respond to CFPB complaints, I will continue to correspond through this channel. Bank of America claims it will continue to charge interest on the fees that are in question, which is irresponsible and unethical -- the longer it delays in responding, the more Bank of America stands to gain in interest. I do hope the CFPB complaint system can help me here. I have been a customer of Bank of America for 20 years and they do not have the decency to contact me directly.