davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SANTANDER HOLDINGS USA, INC. (TX)

I went into a Santander Branch to deposit a large check after selling my house in the XXXX XXXX. I went into the branch because the deposit amount was too large for a mobile transaction. 
When depositing the check, I spoke with the three bankers ( including the manager ) about my deposit, timing of the funds, my flight move to the XXXX, and how I needed the funds to purchase a home down XXXX that coming week via XXXX. 
None of the bankers even thought to mention that I would need to come into a Santander Branch in person to do any sort of wire funding if I've never done it before. The day before closing date the funds become available I try to complete the wire and get told the news of having to be in person. I called branch manager after branch manager, as well as customer service numbers and their managers and not one person helped out. There were a couple of brave souls that confessed a branch manager could get it done regardless of the policy, especially with the sticky situation we were in. I offered to XXXX, answer XXXX questions confirming identity, anything and everything. But Santander decided to hold my funds and not help a person out when in need. That's why I will never bank with them again. 

Please do yourself a favor, do not bank with Santander. 10 years I've been with the bank. and it took the above for me to figure out that their customer service personnel are never helpful in general. They've maybe helped me out 2 out of 9 times I've called in my time with them. I called one of the customer service numbers for Santander while trying to get the wire completed and the agent didn't even understand what a wire was. And when I called him out on it, and asked him to transfer me to another agent that would understand, he decided to transfer me to the regular Santander number to restart the process. What happened to training? What happened to customer service? Why is my money not available to me because of a lack of branches around the country? It's an INTERNATIONAL CORPORATE COMPANY. INTERNATIONAL. Please explain yourself.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX I called Bank of America because I had received text notifications that my debit card had been charged, this was somewhere out of state and I disputed it as soon as I got a notification. My wallet was missing from my car then returned to me by the cashier at the gas station that I was at when I returned at night when I retraced my steps. 5 days later on XX/XX/XXXX I received another notification saying that my credit card with Bank of America was also charged twice within the same hour. One charge for {$630.00} and another for {$400.00} with a description " entertainment ''. I XXXX the merchant and saw that it was from a ticket servicing company. I called and they said that 2 charges were made using my credit card number and email, I then was given access to the account and the representative said to log in and delete the credit card number which I did. I then tried to explain to the servicer that I did not make these charges and they said to dispute with the bank as they can't return any charges made. I called Bank of America and explained to them that my wallet had been missing for some time and that 5 days before had to replace my debit card with them that was also compromised. On XX/XX/XXXX Bank of America sent me a letter saying that I used a trusted device related to those charges and so they can not reimburse me. I explained to the dispute center that the day of the dispute I had called the merchant and used my phone to follow the directions under the merchant representatives direction to delete the card number and close the account entirely since it was created under someone else entirely. I also just paid off {$2300.00} towards this card and now the dispute is being reversed because I used my own phone to call the merchant and to try to resolve the issue on my own. This is the first time I've ever had a dispute on this card and its XXXX, everyone has internet access on their phone which is why I called the merchant and obviously used the same phone to try and resolve the issue myself by deleting the card and closing the account. These charges were not made by myself and the second I received notification that my credit card was used I immediately called the dispute center. I should not be held accountable for using my personal phone to call the merchant and to try and resolve the issue myself, which by the way is something the dispute center also mentioned that they would have wanted me to do before submitting a dispute. The attached email is the night I originally called Bank of America to dispute the debit card and to have it replaced which again was only 5 days before my credit card also had fraudulent charges.
Consumer complaint received 2024-08-04
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/year>, I was an employee of Kohls corporation and eligible for a 35 % discount. The discount is supposed to be applied as a refund to the store card. I made purchases that have never been credited the discount on my store card and the company is refusing to remediate. I no longer work for Kohls. I did work for Kohls at the time of purchase.
Consumer complaint received 2024-09-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (FL)

Took out {$25000.00} installment loand with XXXX XXXX SST took over the processing of the loan. 
Tried paying off the remaining balance, however SST took out XXXX payments of {$15000.00} on XX/XX/year> instead of XXXX to payoff loan. Obviously only XXXX payment should have been deducted from my checking account instead of XXXX to payoff the balance of my {$25000.00} loan. 
On XX/XX/year>, I recieved refunds for XXXX of the XXXX {$15000.00} payments I made to SST. From my point of view, everything is now finalized with SST and I should have the installment loan paid off and closed. They now have XXXX payment from me to pay off the loan and refunded the other XXXX payments they took unneccessarily. 

However, SST messed up and instead of subtracting the final payment of {$15000.00} from my balance due making a {$0.00} balance, they ADDED the PAYMENT to the amount owed!!! 
Spent months and many phone calls to SST to get the situation corrected, but while the agents on the phone agreed with me about the mistake, they all said they couldn't do anything about it and would notify a supervisor. Well the supervisors if notified, never did anything about it. Even after multiple phone calls and emails with bank statements attached to show the withdrawls and refunds, my account was never corrected. 
SST then had the account " written off '', " past due '' and sent to collections. This negative and incorrect information was then sent to the XXXX credit bureaus. 
Disputed the information with the credit bureaus but told by XXXX the information is correct per SST. 
It is now on the credit bureau reports and affecting my ability to keep and get credit from other companies.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (NV)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (OH)

I'm unaware of these Debts!! 
Midland Credit XXXX {$1000.00} Midland Credit XXXX {$760.00} I didn't have the opportunity to dispute these debts. I never received proper notification!!! If in fact you believe you gave me proper notification please provide the certified mail receipt with my name and signature. Look forward to hearing from someone soon. 

XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

XX/XX/year> a news address was added to personal credit information and notified by XXXX. 
Called Experian which was triggered for personal changes entered. 
Address was added with no affiliation and Experian froze account and entered a fraud alert. 
Experian reports that the address will be removed in 24-72 hours. 
Experian Credit could not provide if the change address was attached to the opening of new loan or credit card.

Report to the XXXX  to open a fraud report
Consumer complaint received 2024-09-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (OR)

I thought I was investing in a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and transferred {$50000.00} USD from Ally Bank. I was never able to get ahold of the company again and it turned out to be a scam. 

Account has since been closed that I used to transfer the money. 

Please see attached letter for more details.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (HI)

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.

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 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I want Equifax to fix my personal information and SSN. My personal information is incorrect, I can not get my credit report because Every-time I enter my SSN its invalid I have mailed you my information over a month and the issue is still not fixed. This is holding me back because I can not get my business done because most companies are pulling my report from Equifax and its coming back unknown please get it fixed. When I call Im not getting to anyone because they can not verify my identity
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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 2024-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo did not help with my mortgage loan modification and they foreclosed on my beautiful home XXXX of XXXX. I have suffered with the loss of my beautiful family home with the wonderful memories of raising my children there. I feel I should have been notified of the class action loan modification by Wells Fargo however I have not received any information. I had a Wells Fargo home loan from XXXX until they foreclosed in XXXX. There were times I called them and I was told they could not find who held my loan. I was lied to, they set up crazy accounts, and given me the run around. I feel like I may have fell through the cracks. I do not trust Wells Fargo in regards too what really happened with my mortgage loan. I am a hard working XXXX XXXX my credit has suffered for years. I had to pay extra for my car insurance due to bad credit a security deposit for my gas and electric. I had to pay extra security deposit to rent so I had some place to live. This has had an effect on my well being and my children 's well being. Please see what can be done for me. Thank you.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

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.

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 2024-07-31
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: Experian Information Solutions Inc. (NY)

I'm a victim of fraud and someone used my personal information to attempt to collect credit products in my names. and these inquiries were not authorized by me Does inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-31
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (KY)

My mortgage is supposed to be {$690.00} per month but I was having to pay over {$1200.00} per month due to Shellpoint Mortgage placing a lender-placed policy due to me not having insurance. In XXXX, 2023, I obtained my own homeowner 's insurance and emailed the proof of insurance to Shellpoint. However, Shellpoint did not acknowledge receipt and charged me over {$1200.00} for my XXXX, 2023 mortgage payment. I contacted Shellpoint 's insurance department that same day in XXXX, 2023. The person was very helpful. He told me to email my proof of insurance to him and he would take care of it and ensure I was credited for still being charged for lender placed insurance ; his help did not help me. I continued to be charged over {$1200.00} per month for my mortgage payment and Shellpoint never acknowledged my homeowners insurance. Approximately 2 months ago, I submitted my homeowners insurance documents to Shellpoint again and I was ignored. for the past 3-4 months, my mortgage payment has now

gone up to over {$1300.00} per month. Shellpoint knows that I have homeowners insurance, I know this because, when I had their lender-placed insurance, every month they would send me a letter telling me to get my own homeowners insurance. Shellpoint did that with me for years and years but stopped sending those after XXXX, 2023 when I got my own homeowners insurance. It makes me feel so hurt and taken advantage of by Shellpoint. I want a refund of the additional money they charged me for my mortgage over {$690.00} from XXXX, 2023- Current.
Consumer complaint received 2024-07-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK (MD)

I live off my XXXX  since my spouse who is a XXXX  passed away on XX/XX/XXXX since then I have been trying to maintain paying the mortgage with the help of my children since I live in a different state. During the Pandemic we did a forbearance and at the end of it in XXXX of XXXX, we struggled to pay a whole year of mortgage and had to pay over XXXX to the bank at the end of the forbearance. We fell behind again in XXXX when I had to sign a modification document that Midland Mortgage sent me to get back on track and told me that to get the modification the modification had to be done for 30 years when I only had about less than 10 years left on my mortgage. took the years of my mortgage back 30 years. I am not a real estate attorney and with my financial hardship, and worried stress about losing my home I believed what they told me. Midland stated that the arrears would be put in the backend of the mortgage. I wasn't aware that it didn't have to go back to 30 years. I just learned that speaking to a friend. In addition, after the modification and taking the mortgage back 30 years the monthly payment remains about the same when it was just about 5 years left to pay off the mortgage the principal balance of {$190000.00}. 

On XX/XX/XXXX, I received a call from Midland Bank to further discuss the option of another modification because, at that time their portal, was showing that the mortgage had been behind for one month. I explained to the representative that I was not ready to do that. Therefore, when I went to pay the mortgage for XXXX in XXXX the portal was changed showing that it was 3 months behind. This made me so baffled after it was almost a year showing that. The bank made a new change in my mortgage account showing 3 payments late when that wasn't the case after all this month. It put me at a disadvantage in making payments in their portal system. So I had to call them to make the payment for XXXX. 

On Monday, XX/XX/XXXX I received a letter from Midland Mortgage indicating that the mortgage monthly payment had increased from {$2100.00} to {$2400.00}. I understand that taxes do increase and decrease however I don't understand why my mortgage needed to go back to 30 years for modification paying practically the same amount that I was paying before the modification. That's just unfair business practice. 

I strongly believe the Midland Bank is practicing predatory lending. Midland Bank is aggressive and using tactics and deception to get me to take out another modification loan, which I can't afford to do right now not to mention that they took my mortgage back 30 more years when that wasn't necessary. I was told that was the only way to get the modification in XXXX or my home would have been in foreclosure. They pretend to try to help but they are not in the business of helping.
Consumer complaint received 2024-08-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO. (FL)

The bank called XXXX XXXX XXXX  XXXX to pick up the vehicle illegally with the intent to sell it. Not in agreement to the terms and conditions of the contract, notice, or law. Theyve exhausted their chances to produce any evidence of ownership or being the creditor in accordance with the Administrative Procedures Act.
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AR)

Midland Credit Management XX/XX/XXXX I mailed a validation of debt letter I did not receive any information from the company. The company called me twice and sometimes three times a day threatening to place this debt on my credit report. I disputed the debt on XXXX XXXX, XXXX and XXXX XXXXXX/XX/XXXX and XX/XX/XXXX.