davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (AZ)

I tried to open Santander Bank Checking account again - may be i will get different questions to go ahead with the application or simply call the customer service to go ahead. But I am not able to open the account second time also. I was provided very very difficult questions to answer and that too in less than 10 minutes ( XXXX seconds time counter going on ). Is this bank really want to do the business??? Why so much difficult questions. I called upon Customer Service and talked to XXXX at XXXX to XXXX XXXX but he was also not of much help. Finally as a fall back option - I uploaded my Arizona Driver 's license and XXXX statement - XX/XX/XXXX statement but end of the day - my application was declined. XXXX told me that if in case i am travelling to North east - i can visit the branch ... .so do they expect people to fly down to their branch just because they have created totally useless and terrible Account opening module? Moreover I am not opting for overdraft protection - so why they need to so much extra vigilant in terms of identity protection ... it 's good to have identity protection to make sure somebody does n't steal your identity but if it is coming in the way of genuine and real folks ... then it 's a big problem ... i was able to answer all the questions that XXXX asked ... then why i am not able to open the account? I am in this country since XX/XX/XXXX and changed locations also. This kind of process is just too much unfair for people like me ... .why do they expect that i remember all the phone numbers for the last 15 years? Why do they expect that i should remember which credit card i had it and on what month and year? why do they expect that i should remember when my loan got closed?? Is n't it too much??? where is the limit???? this is ridiculous by every means and that too they are pressurizing the customer to answer and remember everything in less than 10 minutes otherwise you are declined. They declined my application ( i got the email immediately ) even without seeing my driver 's license and Bank statement ... .You ca n't be so so tough on anybody ... .this is absolutely ridiculous and nothing else. And if they had to anyway decline my application - why they collected all the information at the first place??? Why they wasted my time ... almost 20 minutes to work on this process of opening the account??? why not this verification process at the very start of the account opening process? Moreover how secure is my information that i have provided to them ... this is PII data - how they are protecting my identity after collecting this information from me.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2017-03-17
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (MS)

I have a low income based payment in place. And the irs still took my refund. I received a letter stating that the offset was to be cancelled. However, my funds were still offset. I am going through a garnishment from my payroll at this very moment from the state.
Consumer complaint received 2016-09-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XXXX XXXX, 2016 I took a check made payable to my order in the sum of {$54000.00} to my local branch of Huntington Bank in XXXX Ohio. I asked to deposit {$50000.00} into my checking account and to receive the {$410.00} back in cash. I received a receipt for the deposit and the cash in the amount requested. The employee counted the money and I counted it again to make sure it was correct. On XXXX XXXX, 2016, while reviewing my online records with the bank I discovered that they had debited my account on XXXX XXXX, 2016 for {$100.00} for " miscellaneous. '' I immediately contacted the bank and they told me that the check had been incorrectly coded by them for {$54000.00}. I asked to see that incorrect coding and they indicated it was not available. I asked to see proof that I had received an unauthorized {$100.00} and they had no proof. The employee may have intentionally or negligently incorrectly coded the check, but that is not my problem. Ninety days after the check was deposited and negotiated, the Huntington Bank, without notice to me and without authorization and without proof, extracted and debited {$100.00} from my account. The bank now refuses to put the money back. I have no idea what the bank is doing with " coding '' but I do know that I received a total from the check, of {$54000.00}. A bank can not simply break into an account and steal {$100.00}. The local bank and the home office advised me that they did not do an internal investigation to determine what happened to the {$100.00}. I have now begun to withdraw my accounts and investments from this bank, as I have lost confidence in their integrity. If they have proof that I received {$100.00} I was not entitled to, they need to produce that.
Consumer complaint received 2016-10-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant Mercantile Agency (CA)

An ambulance company ( nobody now is clear on whether it was XXXX XXXX in XXXX XXXX, from XX/XX/XXXX ; or XXXX, from XX/XX/XXXX ; anyway ... ) sold a debt to Grant Mercantile Agency ( XXXX XXXX XXXX ; XXXX, CA XXXX ; XXXX ). If in fact I was in an ambulance of theirs for any reason, and that is indeed how they collected my information, the point is, I have had Medicare since XX/XX/XXXX and they would have covered any ambulance pick-up or transport -- THIS IS NOT MY DEBT! I had insurance, they knew it, and I never should have been personally billed.
Consumer complaint received 2015-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (AL)

I am getting robo calls at my business attempting to collect on XXXX telephone services which were changed from business to personal in 2014. The robo calls have a recorded message. It is coming from Southwest Credit Systems and they specifically ask for me. This is a business and I previously have advised them they are not to call the business number and not to robo call either as I do not appreciate being asked to hold for a real person. And incidentally, I still have uverse personally and have complained to the credit bureau without results. I also continue to get calls from XXXX XXXX XXXX asking me to switch the telephone over to XXXX. So apparently they are not trying to collect these charges.
Consumer complaint received 2015-12-08
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (CT)

on a sunday, I went to a free atm to get money after church to pay my tithes and for gas money for work I knew exactly how much I had. Nothing was available. called the skylight card and they told me a transaction had been made I asked them when and they stated that day. I informed them I was at church. They then informed me that the company that made the deposit did a reversal and that they would have my XXXX back on in XXXX hrs, I called back they stated they mailed it to my physical address. That is the last that I have heard from them I contacted the agency and was told they said they would mail the check to them. I do n't know why they have not either mailed the check by now or placed it back to my account.
Consumer complaint received 2016-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (ME)

In XXXX XXXX we were contacted by GMAC and asked if we were willing to refinance our home mortgage. The mortgage offered by GMAC was a no-appraisal required, no-income verification loan. After research and finding that this was n't a scam and being in a declining financial situation we decided to do the refinance. This process began in XXXX XXXX and was dragged out until XXXX XXXX. We did not realize and were not offered a principal modification mortgage by GMAC. After having a business failure in XXXX XXXX we found ourselves in a situation where we were seeking help with our mortgage and realized that by taking 24 months to refinance our mortgage, and the shut-off date of XXXX XXXX, XXXX for a principal modification mortgage under XXXX had been denied principal modification loan assistance because of the 24 month time frame it took to refinance our mortgage. The only difference between our current mortgage and our previous mortgage is the date and the loan number have been changed. It appears that by dragging out for 24 months our loan refinance that it now allows XXXX, GMAC and XXXX to deny a loan modification. Having the ability to look back at this transaction it appears that numerous violations of predatory lending have denied our right to seek assistance under the XXXX program. We have again been denied assistance by Ocwen, who is acting as a debt collector for GMAC, and have not been able to discuss this situation with GMAC management. We deeply appreciate anything you can do to assist us and at this point it will make a difference of us losing our home.
Consumer complaint received 2016-12-01
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: National Credit Systems,Inc. (WV)

Attempted to call me FIVE times today alone about a family member 's debt whom does not live in my household. That family member called today and requested that he stop calling me, yet he had called twice since after that phone call!
Consumer complaint received 2016-02-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

My loan was sold to them this past month, and I 've been trying to get a hold of them to inquire steps and billing in order to make my first payment. It seems that they have been ignoring my calls, emails, etc. I want to think this company is honest but i 'm finding it hard to think they are. My accounts have been locked, and when I call I 've been on hold for over an hour.
Consumer complaint received 2015-10-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Control Technology, Inc. (FL)

i keep getting a letter stating i owe over XXXX.XXXX to XXXX..I called US XXXX and they sent me a verified email stating i do not owe any loans ... But i keep getting letters in the mail ... The US XXXX ppl told me it sounds like phising
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Billing disputes — 
Company: KEYCORP (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2014, 60 days XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2015-12-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Consumer Portfolio Services, Inc. (NY)

Consumer Portfolio Services ( XXXX ) XXXX Calls me periodically and asks about if I know where some person I 've never even heard of is and what he 's doing. They are INCESSANT about calling me even after I 've told them I have no idea who that is and that I have no outstanding debt with anyone and I 'm on a do not call registry. I 've even filed a complaint with the XXXX against them in which they lied and said they never contacted me. That stopped them from calling and asking for a while ( about a year ) but recently they have been calling me again asking about this guy I have never even heard of. I block the numbers and they create new ones I guess. Just looking for an apology and assurance that they will stop harassing me.
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK (MD)

My bank paid out {$5000.00} to someone that I do not write my check for without contact me. I do not have {$5000.00} in the account. The bank left my account in negative of {$1300.00}. I contacted the bank when I found out, I filed police report. I called the bank several time. The case has been over 40 days the bank is not resolving the case. The name of the bank TCF Bank in Minnesota.
Consumer complaint received 2016-11-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: KEYCORP (FL)

I have been going through this dispute for an extensive period. Key Bank has this debt listed twice on my credit reports, KEYBANK NA account number XXXX .... 
and XXXX Account number XXXX .... I never signed or knew of this account until my dispute. XXXX is the party liable for the account. Key Bank requested a notarized letter from XXXX, I have submitted several times, in which I have attached with her acknowedgement that this Key Bank account belongs to her once again. Key Bank requested a signature from XXXX which I did not have. It is unreasonable to request documents from that time frame.My signature remains the same no matter what documents I have submitted. I searched and searched and located the copy of my XXXX mortgage which had my signature and I sent Key Bank and attaching again. I have previously provided other documents which has my same signature. The only other documents I have are the documents from my deceased spouse and son which is dated XXXX and XXXX which is extremely private. I have submitted my property appraiser document which even showed that I have lived at my current address almost 10 years, which is my XXXX and my prior address is the address on my XXXX mortgage information attached. The address on your application is n't mine. I am exhausted all options besides legal measures in which I have consulted a firm. This is unbelievable.
Consumer complaint received 2016-04-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

On XXXX/XXXX/XXXX I received a mail from Experian in regards to my credit report. I have noticed that the fraudulent XXXX account number # XXXX is still on my credit report and considered negative. I have already contacted XXXX on XXXX/XXXX/XXXX to dispute the fraudulent charges of {$2100.00} due to Identity Theft. XXXX sent me XXXX letters on XXXX XXXX, XXXX and XXXX XXXX, XXXX and advised me that the fraudulent account will be removed. Experian still refused to remove this fraudulent XXXX account from my credit report. I have already filed numerous complaints against Experian in regards to this XXXX fraudulent account for the past 2-4 months. Experian responded back to me and told me it will remove this fraudulent XXXX account. Experian failed to meet consumer 's expectation and serve its customers properly. Experian has been investigating my Identity Theft case for the past 2-4 months and still failed to conduct its investigation properly. I wish Experian will be 100 % honest with me by telling me that it will NOT assist me at all with my Identity Theft case and refuse to remove the fraudulent XXXX account from my credit report. I have proof that XXXX sent me XXXX letters and advised me that it will contact Experian, XXXX and XXXX to remove the fraudulent account from my credit report. XXXX also sent me a letter of apology for my pain and suffering in regards to my Identity Theft. I still have NOT received a letter of apology from Experian. The ONLY thing I received from Experian is negative remarks on my credit report such as XXXX. It is bad enough that the suspect stole my identity on XXXX XXXX and committed the crime of theft at my expense for the past several months. But the situation is getting worse and worse because Experian refused to remove the fraudulent XXXX account from my credit report and falsely accused me of several things such as filing a lost or stolen credit card. I have NEVER filed a lost or stolen credit card in my entire life. I ALWAYS paid my bills on time without penalty. I obey the laws. Experian treated me like a criminal or suspect instead of supporting me as a victim of Identity Theft.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I signed up using a special code and online, by invitation only, and get 5.30 % interest rate on my XXXX XXXX account I opened. I followed all the instructions on funding it, timely, etc. Got my first payment. It is less than 5 % interest. It is supposed to be 5.3 % interest monthly interest payments, not under 5 %. I can not get a hold of anyone at all. I set up a phone appointment, they never called. I called them now, and upon holding, I opted for them to call me back and they have not called back within the time frame they said they would. I can not resolve this. I would like to file a complaint. I tried to message them online, but they say I must call the bank. Then you can not get through to them.
Consumer complaint received 2015-04-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (VA)

SirThis is my XXXX complaint. 
XXXX is for my Lost Cashiers check, that Wells fargo refuses to provide documentation on, put the monies XXXX in a interest bearing Escrow account. 
[ Case number : XXXX ] This complaint is to inform you that since the XXXX problem, Wells fargo has bullied me and enguaged in Illegal activities related to my Business and Personal debit cards. 
Just about every day for the last 30 days, they have used there Fraud dept to shut off my personal debit card, and force me to use my Business debt card. 
I keep min funds in the Business account, so each and every time I use it I get chargeda over draft fee. 
Wells Fargo refuses to remove these fees, as I have informed them of the Federal complaint to the FDC, and pending legal actions. 
I have spent over 20 hours on the Phone with the Fraud Dept. updating my info, my location, my travel routes, etc. and been insured this nonsense will cease, only to have it happen again, again, and again. 
The XXXX LAW prohibits Corupt Organizations from Extortion and ilegal means of making money. 
This is clearly a ilegal activity, in regards to XXXX Complaints. 
XXXX Complaint - Wells Fargo is profiting from the interest on my XXXX they are holdingXXXX complaint - Wells Fargo is profiting from the over draft fees they get by continually shutting down my access to my own monies. 
I also believe as a Consumer, I am protected by law from harrasement, bullying, and unfairbank pratices. 
Please give these complaints your greatest attention. 
Americans are tired of Crooked bankers. 
kind regards, XXXX XXXXXXXXXXXX
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

The U.S. Department of Education discharged my student loans as a result of my total and permanent XXXX on XX/XX/XXXX. Navient in turn discharged my student loans and reported this to all XXXX credit bureaus on XX/XX/XXXX. The Florida Department of Education received notice from XXXX on XXXX XX/XX/XXXX that my loans were discharged. Nonetheless, and inexplicably, the Florida Department of Education reported my loans not as discharged, paid in full, with XXXX balance, but rather reported them as in a balance status of {$100000.00} and {$95000.00} on XX/XX/XXXX. Now, each of the XXXX credit bureaus -- XXXX, Experian, and XXXX -- is incorrectly reporting that my loans are in balance status when they have been discharged by the US Department of Education and XXXX for total and permanent XXXX and should show XXXX balance, paid in full, and closed. This represents deliberately false reporting to the credit bureaus and is discrimination against a XXXX person. These loans have been discharged for over 130 days. Please immediately resolve this and ensure that all parties and all credit bureaus show these loans as discharged, paid in full, and closed, with XXXX balance.
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

Became XXXX called Wells Fargo for advice was told I 'd be able to get my mortgage payment down and a call after I paid it off or pay what I could I emptied out my 401 ( k ) paid off XXXX % of it was left with a small balance of {$11000.00} and they would not readjust the mortgage so I was paying less which put me in a big bind .they now refuse to lower my payment stating that the person who owed owns my mortgage one allow that after-the-fact I was told this is way too late for that
Consumer complaint received 2017-01-25
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (TN)

I have been trying for at least 12 years to enroll in online account access to my savings account with Navy Federal Credit Union. I have called on many occasions day after day month after month year after year and been told because I filed bankruptcy I have lost my privileges to access my account online. This bankruptcy happened over 12 years ago it is not even in my credit anymore but some how Navy Federal Credit Union has my account flagged to never allow me to have online account access. I never heard of being punished for life for a bankruptcy that happened many years ago.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

This is several times that I tried to purchase my 3 credits reports and scores from Experian or others but the agencies doesn't allowed me to purchase my reports unless I signed in to my previous account. I feel that my rights has violated. Therefore, I file a report.