davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (RI)

On XX/XX/2020 I had an account balance of over $ XXXX and a payment of {$730.00} labeled " Temp Adj For Covid Stimulus Pymt Access '' was deposited into my Santander checking account. I tried to call the bank several times to figure out where this money was from but their phone lines were so backed up after 30 minutes of holding it would just hang up ( I tried a few times ). I own a small business and have applied for several of the small business disaster loans since Covid 19 has halted my business ( XXXX  XXXX, mostly XXXX  XXXX  ). Ultimately I figured this was part of the Stimulus package from either the Federal Government or my state ( RI ) and carried on. Then on XX/XX/XXXX at XXXX I received an email from Santander bank explaining that the bank had deposited these funds into my account and any account that was overdrawn in order to make sure folks had " full access '' to their government stimulus checks. I DID NOT HAVE A NEGATIVE BALANCE, I DID NOT CONSENT TO RECEIVING THESE FUNDS. And now weeks later ( when it's likely the funds have been used because I'm essentially unemployed due to COVID ) the bank conveniently lets me know they'll be taking these funds back?? This is one of the most predatory moves I've ever seen from a financial institution. Folks should have been notified BEFORE funds were deposited and had a choice to OPT OUT. To dump funds into accounts of folks who are clearly struggling and not tell anyone that it's actually going to be snatched up again in 30 days coincidentally allowing Santander to collect who knows how much more money in additional overdraft fees???????
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am submitting this complaint against the credit bureaus due to their persistent failure to respond to my dispute letters concerning inaccuracies in my credit report. Despite multiple efforts to resolve this issue through the appropriate channels, the credit bureaus have not fulfilled their duty to acknowledge or investigate my disputes, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Even after several submissions, the credit bureaus have failed to provide any response, confirmation of an investigation, or correction of the disputed information. This lack of action is a clear violation of the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 

I request that you update, block, or delete the inaccurate accounts and unauthorized inquiries listed in my credit report. 

Please review the attached letter for additional details. Thank you for your assistance.
Consumer complaint received 2023-07-28
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. (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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo credit card reduced my available for purchase balance, from information gathered by credit card services that labeled me a risk. 
I have never been late on payments to wells fargo or any other financial institution, I dont feel I was treated fairly. 
When wells fargo reduced my limit they put me over 75 % usage, taking the surplus cash needed to make my account usage bellow 35 %. 
Being over 35 % in usage is negative to my credit rating, This hurt my small business as far as future growth, its more like a handicap. Credit card services has made a niche for them selves by making the banks believe they are providing protection. 
These people dont know anything about me. I lost my job 2008 during the banking failure, my home was being foreclosed, I pulled my home out and paid all my bills due and raised my credit score to XXXX, I did all of this while raising a family. 
I dont know if they broke any laws, They have certainly proved to be adversarial contrary to all things America should be.
Consumer complaint received 2018-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I have received a Annual Escrow Account Disclosure Statement, which I normally receive in XX/XX/XXXX of each, it stated I have Escrow shortage. I called Regions as I know I pay monthy and send extra funds to be applied to my Principal and extra to my Escrow account every month to be sure there is always enough money in my account to cover my taxes and Insurance. I have had a shortage in past due to my home value going up. Last XX/XX/XXXX I received a check for {$730.00} from Regions and when I call I was assured that my taxes and insurance were both paid for the year that the {$730.00} was extra funds which they could not keep on my account. 
I spoke to Supervisor XXXX who states there had been a mistake Regions were suppose to make TWO payments to XXXX XXXX but instead only paid the one. I inquired why I was just being notified and she stated she was not sure. I also noted that the extra funds I had been sending in was not being applied to my Principal and Escrow as I requested on their payment coupons they send me monthly. I have been trying to work with Regions to get this resolved but they do not return phone calls when promised and I have to keep calling. Most recently I spoke to a supervisors XXXX, supervisor XXXX on XX/XX/XXXX, and she promised that she would make sure the matter is resolved and my account is corrected and she promised to be in touch with my by XX/XX/XXXX. I have not heard anything back. Except I have received several letter stating that they are still working on the matter and would be back with me soon, signed by XXXX. Those are not attached as I left them at home but I did save them. NOW, I received a Mortgage Statement dated XXXX that shows a supposed {$410.00} Delinquent amount with a threating statement about foreclosure. And it shows where they have been moving funds around on my account. I received another statement the same day, dated XX/XX/XXXX that shows the amount of my payment that is due for XXXX as {$750.00}. I am VERY upset. I have paid more the minimal amount on my statements every month, so how can I be behind. This is Regions error and I feel they are failing to admit their mistake and correct the error on my account and making things worst by not communicating. I have requested a copy of my loan payment and ledger be sent to me and a call or face to face to discuss and resolve the matter, neither which had happened. PLEASE I NEED HELP TO RESOLVE. Lastly, I have excellent credit and I want something in writing from Regions that their false claim of me being delinquent has NOT AND WILL NOT FASLY BE REPORTED TO THE CREDIT BUREAUS. Please see all the attached documents. Feel free to contact me anytime.
Consumer complaint received 2018-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (MD)

a 2 month deferment was approved in XX/XX/2018 and I was instructed to pay {$1700.00} for the two months of escrow that can not be deferred. Navy FCU applied the payment to the principle and not the escrow and has no jacked my mortgage up {$180.00} a month. After 11 days ( XX/XX/2018-XX/XX/2018 ), of being told the correction would take place within 48hrs, its still has not been down and has caused my mortgage payment to be late due to not having an accurate monthly payment to make
Consumer complaint received 2018-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

I previously submitted a complaint about Transworld Systems Inc who responded by sending me validation of the debt. The paperwork they have sent clearly shows that I owe NO money to the XXXX XXXX XXXX. I spoke with XXXX reps and they have NO open accounts for me. And they stated that they handle all collections in house and never send bills to outside agencies for collection. 

This latest harassment letter is threatening that interest may be added to the amount that they claim I owe. I am a senior and this upsetting correspondence has an emotional component since it refers to expenses connected with my mothers death. Your website is full of complaints about this company. Cant you make them stop?
Consumer complaint received 2018-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My husband was primary card holder and always addressed as such. I am not a co-signer of this card and there fore not responsible for this card. Since XX/XX/XXXX which was opened in primary card only in his name. In XX/XX/XXXX-XX/XX/XXXX Bank of America added my name to his bill. My husband was fighting XXXX and I was not aware of my name being added nor did I authorize Bank of America to add my name. When my husband XXXX XXXX XX/XX/XXXX sent XXXX certificate to them. I have contacted them many times of their XXXX  and I am not responsible but they insisted that I was responsible. I have been sent paper work from collection agency that was on XX/XX/XXXX. The next communication was from Superior Court that I have to file an Appearance with the court by XX/XX/XXXX which I have done. 
Please note I have mailed out documents by Certified Mail addressing to OCC regarding this complaint, you should be getting it if OCC forwards this information
Consumer complaint received 2018-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AL)

Bayview loan servicing took over my mortgage i had with XXXX since XXXX. It has been nothing but misery since they took over. I was behind 4 payments but I have paid all of them and I have my bank statement to prove bayview took the money out of my checking account. They are saying i am {$3700.00} past due, my recent payment they told me to pay to get my loan current was {$1700.00} and I paid this on XX/XX/XXXX. Bayview is saying none of the payments have been paid even though I talked to them over the phone. And I don't appreciate them charging me to ( inspect ) my for {$11.00}. They left two notes on my door telling me to contact them after I made the first two payments. Which they are lying just to come to my home. I don't appreciate them saying I haven't made any payments when my checking account will show they took out all the payments that they required for me to get the loan current. They are not going to foreclose on my own by being deceitful and dishonest about not applying my payments to my mortgage account. The employees at bayview are very rude and unprofessional well this is how people who are trying to steal from you act like. From all the complaints I read about them on their better business bureau record. Bayview isn't going to get away with being deceitful trying to take away from my home. And they are falsely reporting on my credit files that I am 60-89 days past due and my last payment was back on XX/XX/XXXX. A bayview employee got an attitude with me when i told them i made the payments. Yes i am very angry and I have a right to be angry with bayview trying to steal from me and being down right deceitful. And sending someone to my home twice after I have paid payments and lying saying they have been trying to reach me even though I have talked with them.
Consumer complaint received 2020-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NM)

On or around the end of XXXX XXXX Permanently limited my account for an undisclosed reason. The froze my balance of {$730.00} Upon reaching out, they said it was their right when limiting my account to hold that money for 180 days. 
Since the passing of 180 days has occurred I reached out. 
Their phone services state there is no representatives. Their messaging system says to use it during certain hours. I did. And still getting the message to use it during certain hours. 
I used their internal email system and got the direct responses that my account had been limited. Not about letting me have my money. 

They are holding this money that is the companys and taking no steps or good Will gestures to fix the problem.
Consumer complaint received 2020-08-03
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Dear Sir, I have been member of Bank of America Individual Credit  Card since XX/XX/XXXX. I have called up Bank of America customer care and informed them to close my individual credit card at consumer request effective from XX/XX/XXXX. Bank of America closed my credit card on XX/XX/XXXX as requested by me. During my conversations with customer and written letters from  Bank of America, it has been mentioned that Bank of America may allow such as internet service provider, health clubs or insurance companies. when the card is closed, how does bank of America allow any transactions?. I have never ever used my individual Bank of America credit card for anything like internet service provider, health clubs or insurance companies. If someone use my closed credit card for any kind of transactions or bills ( service provider, health clubs or insurance companies ), this will be considered as Identification theft and will be communicated to FTC and Law Enforcement officers by filing the official complaint. Closed Credit card should not be allowed for any kind of transactions or bills, first of all I never used bank of America credit card for any kind of bills and only used for Balance transfer and committed Balance transfer amount, I have been paying monthly as agreed. I am not using this closed credit card and also not authorized for any kind of transactions. I am only using online credit card account to pay monthly payment till the complete balance is paid off. Monthly statements should be sent to me and allow me to pay the monthly payment for remaining balance. Since account is closed on XX/XX/XXXX, Any transactions in this account will be considered as identification theft and  unlawful. I also requested Bank of America to close the credit line and make to XXXX  so that there will not be any transactions in this account. Could you kindly direct Bank of America to close my credit line to XXXX  and not to allow any transactions ( since XX/XX/XXXX ) on my closed credit card, I am only allow to use online account to pay my monthly payment till it gets completely paid off. For any kind of transactions on closed credit card, Bank Of America is going to be legally accountable and responsible.
Consumer complaint received 2020-06-01
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: EQUIFAX, INC. (FL)

This is the 3rd and final time I am disputing these unauthorized accounts on my credit. This is time-consuming and I will take legal actions if not corrected. I am a victim of identity theft/fraud. I have attached the FTC document.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2018-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

On XX/XX/XXXX I mailed a debt validation letter to the three credit bureaus ( XXXX, XXXX, and XXXX ) requesting they validate my owing Midland Credit Management for a debt they purchased from XXXX XXXXXXXX XXXX. On Tuesday, XX/XX/XXXX I received a phone call from a representative at XXXX XXXX XXXX who stated he was an account manager, wanting to discuss the alleged debt. At which time I expressed to him, I would not be discussing anything pertaining to the alleged debt over the phone and I request that he mail me validation of the alleged debt. The rep then placed me on hold so he could speak with his superior. A few short moments later another person got on the phone and identified himself as a XXXX XXXX XXXX Supervisor. He too wanted to discuss the debt, but again I refused and reiterated, I needed in writing, validation of the debt. He asked me to be specific about what I was requesting of him and I went on to list : signature agreement of my taking ownership of the debt, the bill and all other documentation they have that proves my indebtedness to their company. He stated, XXXX XXXX XXXX has already mailed me information about the debt. At which point, I respond by telling him I have no knowledge of the information or paperwork he was speaking of. He assured me XXXX XXXX XXXX could provide all of the validation I was requesting. However, he could not understand why we couldn't discuss the debt at that moment over the phone? Again, I told him I would not be discussing anything with anyone at XXXX XXXX XXXX pertaining to any debt until I have received in writing complete validation of the alleged debt. He remained persistent and consistent in his approach. He stated, " He could not understand why I wanted to wait? And, he guessed we'd have to wait another 10 days to handle the matter. '' I remained adamant about my request and the call ended. 

I have been checking the mail daily as I waited to see what would be sent to me as validation. Today XX/XX/XXXX I received a double enveloped bill. The date listed as the mailed date is XX/XX/XXXX which means it has taken exactly one month for the bill to reach me by mail. I find this hard to believe! Also, the bill  quotes a settlement and tells me in order to benefit I would have to respond by XX/XX/XXXX which is less than one week from today. I find this to be suspicious, erroneous and XXXX XXXX XXXX way of trying to cover ground they have failed already cover. 

According to the Fair Credit Reporting Act U.S.C. section 1681g, I have the right to demand XXXX XXXX XXXX furnish me documents they have recorded and retained in there files concerning accounts they are reporting in my credit reports. At this point, XXXX XXXX XXXX has received several request for validation of the debt and have demonstrated by way of failing to furnish the requested validation that they are not able to validate. Thus, by law, they must delete.
Consumer complaint received 2018-06-23
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. (TX)

I have disputed items on my credit report over 4 times and the only response from EXPERIAN is that its been verified. I have asked EXPERIAN on more than one occasion to show me the burned of proof that these items are 100 % correct and it has not been VERIFIED. I also, asked EXPERIAN to send me the proof and the person who VERIFIED it. Needless to say I received nothing back NEITHER time I requested it. This is a Violation of 15USC 1681. I asked MORE THAN ONCE to send or let see the verifying documents, the persons name who verified them, And what documents was used to verify the items. Never received them out of the 3 times I, requested the documents. It is there responsibility to make sure that All information is 100 % correct before reporting it to a credit report. 1681 a,4. Re-investigation, does not mean I, the consumer prove to EXPERIAN that its no correct and send them the information proving it to be wrong. Re-investigate means just that for Experian and if it can not be VERIFIED it must be deleted.

As, prescribed by SECT. 611 ( 5 ) A. I have the dates that I sent Experian certified mail in the attachments along with the response back from Experian. Experian also, explained that they do not use other reporting agency for there deputes. With that being said can Experian explain how is the consumer suppose to dispute inaccurate information? Please explain? I do not understand if 1 item has been deleted from the other 2 CRAs and Experian keeps the item as been VERIFIED. How then am I, suppose to dispute that item? which that the case with a few of these items.