davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXXI received two letters from Santander Bank signed by XXXX XXXX, XXXX XXXX XXXX. The one letter was addressed to me only and it stated that they were closing my checking account that I hold jointly with my husband and a savings account that is just in my name. A second letter that was addressed to my XXXX year old son advising him that his savings and checking account were being closed. This letter did not include my name which I am the custodian of both accounts. Both of these letters stated that the accounts were being closed and that I had 30 days to close the accounts or they will close them and send us a check.

The letters did not look professional so I contacted the local Santander Branch in XXXX, PA. Upon their request my husband and I responded to the Bank. We spoke with Relationship Banker XXXX XXXX. XXXX related that he also thought the letter looked to be unprofessional and he was reluctant to call the number. After verifying the number was legitimate XXXX  contacted the number listed. After hanging up XXXX related that the gentleman refused to give him a reason of why the accounts were closed. XXXX   related he would have is branch manager check on it the next day. On XX/XX/XXXX my husband contacted the phone number listed on the letter. My husband was told that Santander was not going to give a reason nor are they required. Just as we have a right to switch banks they can cancel are accounts at any time without giving a reason.

I have a business account in my name and a Home Equity Loan with Santander and neither of them are mentioned.
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

InXX/XX/2017, a fraudulent charge was made on my XXXX XXXX store credit card account using an in-store lookup by a person unknown to me, who also made charges at 4 other stores using in-store lookup as well. I immediately notified all the merchants about the fraudulent charges. All of the companies, except XXXX XXXX, investigated the fraud claims and proved it was not me that made the charges. XXXX XXXX has continued to close my fraud claim and try to say it was me that made the charge. Over the last year I have provided them with everything they have asked for to prove it was not me, including filing a police report. I have repeatedly been denied by their fraud department, and finally had to escalate to their Executive office as the fraud department refused to investigate further. For a year I have asked them to review the in-store video against my drivers license picture and they will clearly see it's not me. They have refused to do this and just keep making excuses and closing the case. I have sent multiple packets containing my proof that this was fraud but they will not resolve this issue. I have been a loyal Customer for years, and my history with them should show the type of customer I am. A year this has been ongoing and I am still hitting a brick wall with them. I need help in getting this matter escalated, as they have told me that they take claims from third party agencies more serious than from the actual customer affected by the fraud.
Consumer complaint received 2023-08-17
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. (NV)

After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent accounts. Someone stole my identity and open up the fraudulent accounts in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY!

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. 

Please DELETE the following fraudulent accounts. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX TRANSUNION ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) Please DELETE the fraudulent inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( TRANSUNION ), XXXX XXXX XX/XX/XXXX ( TRANSUNION ), XXXX XXXX XXXX TRANSUNION ), XXXX XXXX XXXX XXXX TRANSUNION ), XXXX XX/XX/XXXX ( TRANSUNION ) XXXX XX/XX/XXXX ( XXXX XXXX, XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX )
Consumer complaint received 2019-03-21
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. (NV)

Transunion is reporting on a bad, invalid junk debt collection note acquired by XXXX XXXX XXXX XXXX ( junk receivables collectors ). The Creditor listed is " XXXX - XXXX XXXX XXXX , XXXX. ". The original debt they are reporting and attempting to collect on from XXXX  / XXXX was resolved years ago with XXXX and XXXX. As noted on the attached document a billing error was noted and the matter can not be billed to me ( the patient ). The matter closed with a XXXX  balance. 

This erroneous error must be removed by Transunion in accordance with the FCRA. 

Thank you.
Consumer complaint received 2018-04-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AR)

I have submitted several or more applications with Bay view Loan Serving LLC., a servicing loan co for my mortgage, and each time they have classified my application as incomplete, not on time, and missing. I have compiled with their request to complete the applications each time, and return to them within their time frame requested. I am still receiving replies from Bay view Loan serving that the applications are still incomplete. This has been repeated process from XX/XX/XXXX and continues to, ( XX/XX/XXXX). My mortgage balance is XXXX and I am paying a mortgage note of {$1100.00} monthly, with an interest rate of 8.3 %. I am retired, XXXX and a XXXX  patented. I have borrowed from relatives in helping to complete the mortgage payment, but still behind a payment every month. I have submitted hardship letters in my behalf, to support my application for modification to Bay view Loan Servicing LLC ... Customer is assign to asset manager who state in their letters that they are available if and when needed, but the asset manager are never available. The caller is put on hold for hours and never gets to speak with the person whom he or she assigned or is asked to leave a message that is never answered.
Consumer complaint received 2018-04-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

My client applied for a loan with Amerisave Loan and was given the run around. The underwriter required a {$10.00} Reserve for a $ XXXX Loan and when I questioned the amount the Loan Originator could not provide an answer. They have asked for her personal bank login information to verify funds that she submitted several copies direct and then he stated that there printer made the error. The contract expires on XX/XX/XXXX and we are NO were near a loan approval based on the incompetency of this lending team. There appears to be a pattern of discrimination from this company! They want information that NO OTHER LENDER wants, and ask for information repeated that could be verified by the bank. The representative even stated documentation was altered and then said their printer was not working properly!
Consumer complaint received 2018-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I ordered services from XXXX ( pickup of a package ). The XXXX website malfunctioned and charged me the same fee twice. Then XXXX came back and said there some " additional charges '' with no explanation and without my prior agreement. I disputed the charges with paypal. They stated that there was no unauthorized use because " it was consistent with paypal payment history ''. Seems like no one even looked at it and it's some kind of bot. 



got this email on XX/XX/18 from paypal : An update about your case We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 



Based on our review, we found this transaction is consistent with your PayPal payment history. 

For more information about these cases, log in to your PayPal account and go to the Resolution Center.
Consumer complaint received 2018-04-17
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: LEXISNEXIS (KY)

I have not heard back from LexisNexis regarding a credit report dispute, and it has now been 60 days. I opened a dispute with LexisNexis on XX/XX/2018. The case number that I have refers to this date in the number. I have phoned LexisNexis 3 times in the past month, each time speaking to someone who tells me that the dispute is still in process and that perhaps staff made an error on the date. I have been told twice over the phone that the dispute has been escalated due to LexisNexis error on the date of filing the dispute. One representative ( XXXX ) told me that when I called the first time to check on it after 30 days, the date was changed to that date, XX/XX/2018. 

About the dispute itself : LexisNexis is reporting incorrect information to XXXX on my personal credit report regarding a bankruptcy. An update that appears in court records is not reflected on the record included on the XXXX report. XXXX has verified that it received the information from LexisNexis. 

The bankruptcy case was a discharged Chapter XXXX, not a Chapter XXXX as reported. I disputed the Chapter number of the bankruptcy that was reported.1 ) I am requesting a correction to the Chapter number 2 ) As it has been 7 years since filing, I am requesting this bankruptcy be removed from reporting by LexisNexis .

I am attaching the XXXX dispute, and two US Bankruptcy court documents.
Consumer complaint received 2018-04-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been receiving frequent calls on my job from Capital One and I have ask them politely not to call my job because I can get in trouble but they continue to repeatedly harass me. They have my personal number they can leave message on my phone but do not call my job it interferes with my work.
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MO)

I want to turn over the cash of cash app stealing money. They allowed {$2000.00} taken out of my account and all they can do is hang up the phone when you call to report it or they tell you it's not there money not there problem. I have reported this to the better business bureau and there reply to them was the same not there money not there problem. I want to file any charges I can to get my money back and I do have screenshots of the emails to the better business bureau as well as to XXXX XXXX XXXX XXXX. The bank still denied my case even after an appeal and more information submitted The transaction took place on XX/XX/2023 at XXXX XXXX  to a XXXX XXXX
Consumer complaint received 2023-08-16
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 consumer 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.
Consumer complaint received 2018-04-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I have submitted this complaint multiple times to Ocwen and to CFPB. I would like someone to call me this time please. Here are details. My dad passed away XX/XX/XXXX and my mom in XX/XX/XXXX. Mom fell behind on payments due to sudden illness. Ocwen refused to apply any payment after that to the home. I am an only child. I have sent copies of death certificate, will and my identifications ( I will attach all those copies here ). They STILL have not contacted me. Each time you send them my complaint, they respond with " you need to send us the death certificates and apply for assumption ''. They never return my phone calls or my emails. I HAVE sent the death cert. I in fact, had my lawyer call and get the email to send them to. This is the email that XXXX, employee # XXXX gave my lawyer XXXX. I want to pay off the home. I do not want to assume the loan. They will not respond to ANY of my correspondence. I have tried to contact XXXX XXXX, office of consumer ombudsman, she only responds to send more paper. She does not call, or email. The paper she sends says " send death cert. '' WHICH I HAVE ... MULTIPLE TIMES!. Ocwen clearly does not want to work with me, because I am trying to PAY A LUMP SUM and pay off property and I HAVE SENT ALL NECESSARY AND REQUIRED PAPERS. They just want the property. Which I will sue for. Intervene please
Consumer complaint received 2018-04-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc (KY)

On my credit report there are multiple duplicates, triplets, and quadruples, of different accounts. all the accounts are from XXXX XXXX XXXX XXXX, which all were reported to or sent to Collection Bureau of FT. Whom wants to set me up on a payment plan. I called XXXX  yesterday and requested all of my bills from there, in which I was told that there were only seven. The Collection Bureau of FT has 19! Several of these accounts are multiplies and the Collection Bureau of FT are giving me the run around. I'm XXXX  years old and attempting to fix my credit score in order to get my life on the right track.
Consumer complaint received 2018-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

I attempted to purchase sports tickets through XXXX  on XXXX2018 in the amount of {$110.00} and never received the tickets. I sent the money through XXXX   ( which I thought was backed by Wells Fargo ) and when I contacted the seller by phone it was shut off and I never received the tickets. I immediately contacted Wells Fargo and they stated there was nothing they could do, because they do not own XXXX.
Consumer complaint received 2018-04-17
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: Experian Information Solutions Inc. (DE)

I have sent four written request ( XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) certified to this credit bureau to VALIDATE a debt ( XXXX ..., XXXX ..., XXXX ..., XXXX ) that has been placed on my credit file. This credit bureau has FAILED to validate this request by providing an original consumer contract with my signature on it. According to the FCRA, accounts that are not positively validated by proof must be removed and deleted. This credit bureau has failed to do this more than four times. It has " said '' that they have verified this debt but has only sent an alleged account history. This is not sufficient and does and is a violation by federal law and I fully intend to pursue litigation in accordance with the FCRA to enforce my rights. The accounts need to be validated by original contract or DELETED.
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (NY)

This is one of my numerous XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX XXXX. Please delete this account ASAP.
Consumer complaint received 2018-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (AR)

I had a collection account with XXXX XXXX from an old XXXX XXXX bill I owed for. I called them to pay off the collection and they informed me that when it was paid in full, it would be removed from my credit reports. I made three payments to them in the amounts of {$81.00} each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to pay off the collection. I waited a little while and noticed it was taken off my XXXX, but it still shows on my XXXX XXXX report and with a {$240.00} open balance! I filed a dispute and they responded saying it was valid, although it isn't! I then called the company to try and fix the problem and they just kept transferring me to other people and then hung up on me. It still shows on my XXXX XXXX account as open with a balance and now I can't get a loan for a car because they won't fix it on their end!
Consumer complaint received 2018-04-18
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. (GA)

I opened an account with XXXX XXXX XXXX inXX/XX/XXXXand then had significant personal financial issues arise leading to the account being closed in XX/XX/XXXX. The account was sold to multiple collection agencies but was settled and paid inXX/XX/XXXX XXXX XXXX XXXX has violated my rights by submitting falsified information to the credit reporting agencies resulting in financial harm to me and my family. Specifically, they have reported the following information to all three credit reporting agencies ( a ) beyond the charge off date of XX/XX/XXXXand ( b ) beyond the date I settled and paid the balance to their collection agency.

XXXX  - reflecting 90 days late payments inXX/XX/XXXX and XX/XX/XXXX.

EXPERIAN - reflecting 90 days late payments in XX/XX/XXXXandXX/XX/XXXX.

I have attempted to resolve this directly with XXXX XXXX XXXX as well as the CRA 's and both have refused to assist me and update the records with the accurate details.

I am begging for your help and assistance in bringing these predators to justice. I simply want my record to accurately reflect my account.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NJ)

Dear Sir/Madam, I am writing to file a complaint against Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX XXXX regarding a transaction issue I have been experiencing. 

In XXXX, I opened both a checking and savings account with XXXX XXXX. I initiated two transfers of {$500.00} each, one from my XXXX account to the new XXXX XXXX checking account and the other from my Apple Saving account ( managed by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch ) to the XXXXXXXX XXXX saving account. Not long after, XXXXXXXX XXXX terminated both of my new accounts. While I received a refund notification for the checking account, and indeed the {$500.00} was returned to my XXXX account, the same can not be said for the {$500.00} from my savings account. 

I promptly visited a local branch of XXXX XXXX to inquire about the missing funds. The bank personnel informed me that the money had been withdrawn from XXXX XXXX  and should now be in Goldman Sachs Bank. Acting on this advice, I contacted Goldman Sachs, where I was told to wait several more days for the funds to reflect in my Apple Saving account. However, after waiting for over 14 business days, the funds have yet to appear in my account. 

This situation has caused me considerable stress and inconvenience, and I have undertaken due diligence in liaising with both banks to no avail. As a consumer, I trust financial institutions to manage transactions efficiently and transparently. In this instance, there appears to be a discrepancy that neither institution is willing or able to rectify. 

I kindly request the CFPB 's intervention in mediating this matter to ensure a fair and timely resolution. Attached, please find relevant documentation, including transaction records, email communications, and notes from my interactions with both banks. 

Thank you for your attention to this matter. I look forward to a positive resolution and appreciate the CFPB 's assistance in this regard. 

Sincerely