davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-02
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Santander Consumer USA Holdings Inc. (TX)

I recently obtained my consumer credit file and discovered SANTANDER CONSUMER USA, INC is reporting an alleged debt as a CHARGE OFF. Accordingly my records reflect SANTANDER CONSUMER USA, INC is not a known creditor of mine and I have not applied for, neither received any services or credit from this particular agency. SANTANDER CONSUMER USA, INC has not communicated with me to verify or validate any debt that I allegedly owe to them as of XXXX/XXXX/XXXX. Therefore I have respectfully demanded verification and or validation of any alleged debt pursuant to 15 USC1692g, 15 USC1681, and ORC 1345.01 respectively on XXXX XXXX, XXXX and XXXX XXXX, XXXX light of the foregoing SANTANDER CONSUMER USA, INC is demanded to please provide the alleged original genuine executed agreement that memorializes the transaction between SANTANDER CONSUMER USA, INC and Myself that supports SANTANDER CONSUMER USA, INC alleged creditor status.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

RE : Report # XXXX - Inacurate Information To whom it may concern : I, XXXX XXXX XXXX XXXX XXXX am a natural person, and I am physically submitting this dispute. This dispute is NOT being submitted by a third party. 

The delinquent payments on my XXXX consumer report on the accounts provided below must be updated. 

XXXX XXXX XXXX XXXX Account # XXXX. 
Dates associated with the item being disputed : XXXX, XXXX These items are inaccurate. It occurred during the economic hardship forbearance period due to XXXX. The XXXX XXXX, which was signed into law on XX/XX/XXXX, for the period beginning XX/XX/XXXX and ending XX/XX/XXXX, amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. The XXXX XXXX protects consumers who were affected during the XXXX pandemic. It is also reporting inaccurately compared to this exact item on my consumer credit report through XXXX and XXXX which shows OK- PAID AS AGREED ( This error violates XXXX XXXX XXXX ). 


Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi this keeps happening where it says that Im applying for credit cards that Im not signing up for because I know I dont want anymore credit cards. Ive also been sick and I just cant have credit cards right now! 

So this isnt me! 

Please fix off my credit card. Thank you
Consumer complaint received 2016-09-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: AMERICAN EXPRESS COMPANY (VA)

I deposited a check for {$160.00} into my XXXX XXXX acct on XXXX via mobile deposit. I do not get credit for this deposit until XXXX. That is too long. The {$160.00} check cleared my acct at my credit union on XXXX. Is this a violation of Reg E?
Consumer complaint received 2016-12-16
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Onity Group Inc. (CO)

In XX/XX/XXXX I had to obtain an attorney to help sort out the validity of my loan with Ocwen Loan Servicing , LLC, in which Ocwen did not respond to any of our requests. Even after personally writing a Dispute and Validation letter in conformance with the FDCPA and having our Attorney send in a QWR. The only information sent to us at this time was a blank assignment with MERS because of this my attorney advised us to stop making payments to Ocwen and asked for a XXXX of Deed and XXXX if they could not provide the information we had requested. In this time we did not receive any more information but did receive threats that they were going to proceed with legal action against us in the form of liens and foreclosure if we did not get caught up and continue to make timely payments. During this time Ocwen also continued to contact us personally by phone and mail even though they were repeatedly asked to contact our attorney. They also added on late fees, mailing fees, appraisal fees, etc. to the amount we were at this point disputing we even owed. Then in XXXX we were sent XXXX XXXX C forms which we refused to sign because there still was no validation of the debt from Ocwen. After bringing a second attorney on board to deal with this tax issue Ocwen sent us a letter in XX/XX/XXXX determining that the documents had been sent in error. In XX/XX/XXXX Ocwen notified us in another letter that they were releasing the lien due to a bankruptcy obtained in XX/XX/XXXX, it would take another year and a denial for a refinance from XXXX Bank in XX/XX/XXXX before they followed through with this XXXX of XXXX. To this day Ocwen has never confirmed who they were collecting for and furthermore if the debt was discharge in XX/XX/XXXX should n't Ocwen have stopped collecting and or forcibly trying to collect said debt especially after obtaining an attorney. This was not only illegal but became an unnecessary hardship on my family. We were unable to modify, refinance or sell the property until this matter was cleared.
Consumer complaint received 2017-01-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: KEYCORP (MI)

Institution KeyBankStudentLoansServicedbyXXXX KeyBankPrivateStudentLoanInterestRateIllegalInterestRate IncreasesXXXXXX/XX/XXXXinterestrate3.92 % XX/XX/XXXXinterestrate 3.94 % XX/XX/XXXXinterestrate4.16 % XX/XX/XXXXinterestrate 4.29 % XXXX INTEREST RATE INCREASES WITHIN 6 MONTHS MY CREDIT REPORTS FROM THE XXXX CREDIT BUREAUS SHOW MYSELF AS PRIMARY BORROW ON MY DAUGHTER 'S NON-FEDERAL STUDENT LOAN AND NOT THE CO-SIGNER
Consumer complaint received 2016-05-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (NY)

I terminated my XXXX XXXX account due to a better deal I received from XXXX. XXXX sent me a bill indicating I have a credit of {$25.00}. I then had their network equipment sent back. 

After about a month, XXXX sent me a bill of {$140.00}. I returned the bill indicating the service was already disconnected. After about another month, we were receiving calls from private callers and/or caller IDs with XXXX*. When we try to answer the call, they will always hang up. When we enabled voice mail, the callers will hang up or leave a continuous tone on the machine. 

We stopped receiving these calls on XXXX XXXX, the first day of the XXXX strike. I noticed that my XXXX score went down from " XXXX '' to " XXXX '' due to a " derogatory '' record from the " unpaid '' XXXX bill. 

I would appreciate your help in this matter. 

Thank you for your efforts. 

Respectfully, XXXX XXXX
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (VA)

On XXXX XXXX, I mistakenly made my mortgage payment to Discover card in the amount of {$2200.00}. On XXXX XXXX, I recognized the mistake, called DiscoverCard at XXXX, spoke with XXXX in Delaware Billing department, and she stated that they would send me a check for {$2200.00} after my balance of {$14.00} is paid off, and that this check could take several weeks to arrive. I asked XXXX if I will receive an email to this effect, and she said I would get one in 72 hours. On XXXX XXXX, I checked my balance online for Discover card, and it showed a credit balance of {$2200.00}. I called Discover card on XXXX XXXX, spoke to XXXX XXXX in Ohio, and she too said I will get an email in XXXX hours indicating that they were mailing me a check for {$2200.00}, and that it may take several weeks for the check to arrive, and that this was faster than an electronic transfer. I asked for a case number, and she refused and instead stated that this is referred to as " Note # XXXX ''. As of today, XXXX XXXX, 2017, I never received an email from Discover card. I then proceeded checked on line at Discovercard, and my balance was zero, with the credit of {$2200.00} having disappeared. I again called Discover card and they told me a check is in the mail as of yesterday XXXX XXXX. I asked for an email confirming all of this and they refused.
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Equitable Acceptance Corp (IL)

Third Party, Equitable Acceptance, committing fraud through my student loan asking that I pay {$1400.00} to consolidate and forgive a loan that can be consolidated and forgiven for free. I am currently trying to cancel this " transaction '' as I have been informed by the department of education that it is in-fact fraud. The company is currently fighting with me telling me that the Department of Education, who is supposed to " approve '' me for a program, is also the ones telling me not to use this company so they can get more money from me when it Is really Equitable Acceptance trying to steal money from me. This is the letter I am writing them to cancel this whole transaction : To whom it may concern, Today I was informed by the Loan Consolidation Center of the U.S. Department of Education that I can consolidate my loans for free. I was also informed that I can apply for loan forgiveness for free. Based upon this information, I am notifying you that I am cancelling the " revolving credit plan '' for {$1400.00}, which was represented falsely as required for loan consolidation and forgiveness application. I have received no services from your company to date nor have I made any payments. 
I have also spoken with the Student Loan Ombudsperson ( Ref. # XXXX ) and was directed to file a complaint with the Consumer Financial Protection Bureau. I contacted the CFPB and filed complaint #. In addition, I was directed to contact the Illinois Attorney General 's office and I have filed a complaint with them as well ( # ). 
I have placed a " stop payment '' on my XX/XX/2017 payment. Any attempt to collect funds from me will be documented in the fraud complaints with the CFPB and Illinois Attorney General 's office. In addition, any adverse credit documentation will also become part of this complaint.
Consumer complaint received 2017-01-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This letter is to lodge a formal complaint against both Bank of America and XXXX. Prior to transferring my mortgage account over to XXXX XXXX Bank of America committed numerous errors on my account. Despite XXXX letters addressed to the XXXX, XXXX to correct the matter remains unsolved. 
XXXX conducted has revealed evidence that Bank of America knowingly committed the act of fraud and deception when Bank of America paid my XX/XX/XXXX property taxes without any prior notification. 
Bank of America sole basis and claims of notification is a letter referencing what is now know to be a letter sent to me regarding my XX/XX/XXXX taxes not XX/XX/XXXX taxes as request. This egregious act of fraud and deceptive practices by Bank of America has caused me great emotional and financial stress as both Bank of America and XXXX financial continue to levy various fees, fines and penalties which has now impacted my account and credit rating. 
Based on the facts presented, it is my belief that Bank of America and XXXX are now in collusion to use this fraudulent act as an instrument to potentially foreclose on my property at XXXX, XXXX XXXX, Texas XXXX ( XXXX ). 
I have provided both Bank of America and XXXX all evidence. I am awaiting a response. Please investigate this matter and provide any guidance and you can. I can provide all documents as requested.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CO)

I noticed that I have inquiries on my report that I do not recognize, THIS IS NOT A REQUEST FOR ANY FRAUD ALERT. This is a final demand for removal of unauthorized credit inquiries from my credit report. I have spent yesterday and this morning on the phone making calls to these companies and have made the proper notes and I am demanding that you stop sending me letters stating that you have to list any inquiry on my credit. This is a total lie You are only suppose to list an inquiry if it has a permissible purpose and you must show proof. If the companies listed are called by me and they either state to have me dispute directly with you that they did not have the right to pull my credit or they are NOT showing my information in their system I would say that is NOT SHOWING A PERMISSIBLE PURPOSE. It is on the news that you you credit bureaus have been fined millions of dollars for deceiving customers. I believe that you just stick hard inquiries on a credit report to lower a persons score or to make it look bad so they do not get extended credit. Regardless I took the time to call each one so you must now remove these from my credit report. You do not have the right by law to report these as there is no permissible purpose.
Consumer complaint received 2017-02-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NY)

I was denied having my loans consolidated for years. I was repeatedly told subsidizes and unsubsidized can not be made XXXX. Therefore I have n't been able to make my payment and remains forebearance accruing interest on XXXX accounts at 6.6 percent interest.
Consumer complaint received 2016-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (MD)

This is the THIRD complaint I am filling against Campus Partners within the last couple of months. 

The last complaint ( Case # XXXX ) was sent on XX/XX/XXXX. It has yet to be responded to within the Consumer Financial Protection portal. The most recent response was to the first complaint in which they claim that I had not sent necessary paper work over the past year. They neglected to mention that I have been calling them to check the status of my account and faxing completed paperwork for the past year. 

Finally, on XXXX/XXXX/XXXX, I was able to reach a knowledgeable customer service representative, XXXX -- employee # XXXX, who researched the correspondence and discovered that I HAD initially sent the CORRECTLY completed paperwork in XXXX XXXX. As a result, she in turn apologized, corrected the issue, but unfortunately only sent correspondence to XXXX. Shortly after, I noted the one-sided correction, I filed another complaint requesting Campus Partners to correct the issue by sending CORRECTLY UPDATED information to ALL XXXX credit bureaus. 

Since, I had not received a correspondence through your portal from them, I checked my credit report today XXXX/XXXX/XXXX at XXXX ( I hand't done so during the weekend ). 

I was INFURIATED to see that rather than correcting the issue by sending the properly updated records to ALL XXXX credit bureaus, they, AGAIN, sent derogatory information to XXXX stating that I have defaulted. 

NOW my credit report states that I am defaulted on the same loan that XXXX, employee # XXXX, told me was originally misfiled in XXXX of XXXX, and shortly thereafter on XX/XX/XXXX she sent updated information to XXXX. 

After seeing this, I called Campus Partners today, XXXX/XXXX/XXXX, at XXXX XXXX. and spoke to XXXX, employee # XXXX. Initially, XXXX stated that my account information was unavailable because the information was being transferred. After I demanded an explanation to the recent errors on their behalf, she was able to locate a screen shot of my account and claimed that she would correct the issue by sending the proper update to XXXX, XXXX and XXXX. 

Unfortunately, I do not have faith that matters will be properly handled, as this has been an issue for an entire year. It took an ENTIRE year for them to ADMIT to THEIR error, which caused ME to be seen as an unworthy credit applicant.
Consumer complaint received 2016-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (PA)

In XXXX I did a loan modification with my mtg. I was at 2 % interest rate and knew it was increasing eventually and that was fine. It then increased to 3 % and showed fixed rate until XXXX/XXXX/XXXX. On XXXX XXXX XXXX statement the amt due did not match amt due online which is how I always pay so I had to call them. After getting the run around I get a gentleman who tells me pay the amt that is showing XXXX. XXXX is always most accurate he says. Then says your interest rate will be going up in XXXX so in that case online is NOT correct the paper statements are. I said what the heck do you mean? It shows online no more rate changes til XXXX/XXXX/XXXX? He said well online is incorrect about that. Sorry, I said " your sorry '' that do n't help. My payment is going up again & your sorry your system must be wrong? I have turned away numerous phone calls & letters about refinancing. I believed I was now FIXED at my current rate & payments as long as my escrow did n't change? He said " I do n't know '' ... So I wrote Chase mtg a letter XXXX/XXXX/XXXX and as of XXXX/XXXX/XXXX as you will see with my attached documents they are still researching? They tell me XXXX story after another. If there was a truthful reason then why 4months later are you still researching? Please help me with Chase.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

Released tax lien from XXXX County Register of Deeds filed XXXX/XXXX/XXXX and released XXXX/XXXX/XXXX and XXXX County Register of Deeds file XXXX/XXXX/XXXX and released XXXX/XXXX/XXXX. I relocated out of the XXXX on XXXX/XXXX/XXXX and I relocated to XXXX. According, to the Taxpayer Rights Handbook available on the State of XXXX Website, as a resident and taxpayer, I was entitled to specific notifications prior to the state of XXXX placing a tax lien on me. I did not receive proper notification. I did n't receive any notifications at my XXXX address. If I had received the proper notifications a tax lien would have never been issued. I was made aware of the liens via credit application in XXXX in the State of XXXX and immediately addressed the liens. I am requesting removal of the liens from all XXXX credit reporting agencies. I have disputed multiple times and each time Equifax, XXXX and XXXX states " the lien has been verified '' but the State of XXXX states " they do not report to any credit reporting agencies.
Consumer complaint received 2017-01-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

My payments of {$780.00} are due on the first of every month with Bank of America. My husband I split the payments of {$400.00} each from his XXXX account and my XXXX account. BoA will post one of the payments of {$400.00} but rarely posts the other payment of {$400.00} and places those funds into a Partial Balance account. I have to fight with BoA either with phone calls to which I am on hold for over an hour or via social media for them to credit my payments correctly.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter XXXX XXXX, 2016 asking for an investigation into what I believe are mistakes on my credit report things I do not recall or recognize. It has been 2 months and they have not responded to me. I read on the Internet that they were supposed to answer in 30 days, so now I am very upset.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

court financial record- judgment was {$950.00} and paid. Person awarded judgment works for county and abused his position by filing incorrect amount with State having full knowledge Judgment was paid in full. XXXX, Please remove from my credit report as it is an error not only in amount but that 's judgment is satisfied.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Other — 
Company: EXPERT GLOBAL SOLUTIONS, INC. (FL)

On XX/XX/XXXX I opened a credit card account with SST/Cigpfi, I paid faithfully until going through a XXXX. A short while later a second account popped up on my credit report, with a different account # named SST/Synovus. Both accounts have the same date of being opened. I have tried to have XXXX of them removed as it is clearly a duplicate. Many letters later and they still appear on my credit report. I have asked for the company to provide the proof that I personally opened both accounts and they have failed to do so AND the marks on my credit report remain.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

1. Company was made aware that my name should read XXXX as there are multiple XXXX 

2. Companies terms with no interest for XXXX months was not followed. I attempted to make payments multiple times via telephone and they were not processed. 

3. Company constantly calls phone numbers belonging to family members of mine harassing them despite the fact I never gave them their numbers or never authorized them to be contacted in any regards. 

4. Constant phone calls to me. They begin at all hours and do not stop throughout the day and night.