davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

In regards to my situation. I currently have XXXX accounts at Santander bank. 
XXXX account is a single ownership witch is under my name and the XXXX account is a student account with my son. The student account was opened when he was XXXX years old therefor the bank rep had to ad me as a second owner. On XXXX XXXX, 2016 my accounts were frozen due to a NYS levy. despite my ac\ my situation of a levy, I feel my sons account should had not been frozen considering its a student account and those funds are his. I called the bank and was told that cause my name was on it. Had to been on hold. I asked them to take a history his account. he uses that account for his payroll at XXXX. He is a student and when hes on break from school. he returns to work. 
Santander refuse to release the hold witch the account had only about {$98.00} dollars I called NYS and explained to them the situation and the had they acted very helpful to ask Santander to release my sons account only. Santander refused. So in the interim Santander took the {$98.00} dollars from my son 's and left the account at XXXX balance witch I find that my personal financial situation should not affect his funds .... 
Can Santander bank or any other financial Institution freeze a student account? 
please advise
Consumer complaint received 2023-07-27
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. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2015-11-13
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Weltman, Weinberg & Reis Co., L.P.A. (IN)

Letter from LawyerWe have completed an examination of your bankruptcy case and spoken with our lawyer. It appears to us that the firm has done nothing which has injured you. Understanding our position requires some understanding of a complicated and, in some ways confusing set of laws relating to the bankruptcy and the real estate which you own. Your state has an exemption for a certain amount of equity in real estate. That is to say in a bankruptcy the creditors can not sell your residence to satisfy their judgment if you have less equity in the home than the amount of the exemption. The bankruptcy court can only order a creditor whose judgment has matured into a lien on your property to release that lien if you have equity in the real estate and that equity is less than the amount of the exemption provided under your state 's laws. 
The problem here is that at the time of your bankruptcy you had no equity in the house. That is to say the amount of the mortgage was equal to or greater than the fair market value of the home. Under those circumstances the court can not enter an order to avoid the lien of the judgment. There was nothing that could have been done to get the court to do that. We attach hereto a copy of the Court 's opinion on our motion to avoid the lien which states what I have just told you. 
While there was n't a motion filed during your bankruptcy to avoid the lien, the Court has made it clear that it would have denied such a motion in any event. This does n't mean that you still owe the money to that creditor. You do n't! The judgment and the debt are discharged. The creditor can not take any action against you to collect the debt or enforce the lien. You should be able to refinance your mortgage without worry merely by showing the lender that you received a discharge in bankruptcy. 
I hope this is helpful and that you will be able to fulfill your economic plans in the future.
Consumer complaint received 2016-06-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XXXX/XXXX/2016, I went to Santander bank branch located at the following address : XXXX XXXX XXXX, XXXX, MA XXXX, to open a Simply Right Checking account. I chose that branch because I work as a consultant at a company located close by. A gentleman named " XXXX '' helped me with the process, up to a stage when he had to get approval from another department over the phone. I left the branch since we did n't get an answer immediately. He called later that day, saying my application was denied and did not provide any explanation when I asked for the reason. 
On XXXX/XXXX/2016, I called Santander customer service to inquire about the reason for my application being declined, since I strongly felt that it was a discrimination due to my nationality ( XXXX ), and they wanted to avoid me as a customer to save themselves the headache of having to deal with a customer whose origin is a sanctioned country. This is despite the fact that I am legally working here in the US and have SSN and bank accounts at other banks. 
I was directed to talk to a lady named " XXXX XXXX '', who I believe was a customer service representative. She was extremely unhelpful when I explained I have complaint. She directed me to go to the branch, even though I explained the branch did not provide any explanation and instructed me to call customer service. After some discussion, she decided to try to open an account over the phone, but then again, she was impolite in the way she would talk to me, raising her voice when I challenged her answers. At some point in the application process, she asked weird questions that had nothing to do with my application, something like " What is the astrological month of your birth '' which apparently required knowledge of mapping calendar months to those months. I provided my date of birth but explained that I can not understand why I am required to have that kind of knowledge to be able to open an account. She simply said she can not help and I should choose one of the options, and obviously my application got rejected for that reason! 
I feel it was a case of discrimination against my nationality and I hope to get a clear answer for that. What bothers me that they are not willing to express the reason for declining my application, which I think is my right as a customer.
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

In XX/XX/2016, my monthly auto payment on NationStar 's website experienced a technical glitch and caused my monthly mortgage payment to not be credited. All other months had been paid up to this month, but due to the technical issue, my payment was " kicked out '' of the system. I was eventually notified and paid the mortgage payment immediately. 

On XX/XX/2016, I was notified that the payment was late for XX/XX/2016. I had made a regular payment and then proceeded to set up automatic payments from that point forward. Once we submitted the request we were under the assumption the set up was complete and the payments would be timely made. It was not until we were notified in XX/XX/XXXX that payments had not been made timely. We promptly made those payments online. We then proceeded to set up recurring bill payments through the local bank since the original set up had not occurred As with most folks these days we relied on technology and in this specific situation it failed. Certainly, the payments were not intentionally late as I was confident that automatic payments had been established. 
Both " late '' payments resulted in a reporting to my credit agencies and severely damaging my credit rating. I am requesting that your company update the late payment in XX/XX/2016 credit reporting due to this being a technological glitch and not a consumer oversight or avoidance.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (KS)

I am addressing a Public Record Information on my credit profiles that I feel is inaccurate in its filing. I did not follow through with completion of any action with the Federal Court. It is my understanding that " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. As an American consumer I have the right to know WHO and HOW someone is verifying information that is holding my identity and credit under " HOSTAGE '' for 10 years. As a Federal Government entity, the Bankruptcy Court has confirmed that they did not verify or report to any agencies. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

I sumbitted a dispute for inquires listed on my credit report dating from XX/XX/2017 and prior to Equifax on XX/XX/2017. It has been longer than the required 30 days for the investigation to be completed and it still is pending. I 'm asking for these inquires to be removed as this is damaging to my credit.
Consumer complaint received 2015-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have attached a letter of deletion from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I have previously sent to Transunion and yet the collection entry still exist on my credit report with them. Please remove the collection entry. I also am diputing the different variations of my name. I am only and have only been known as XXXX XXXX XXXX. Please delete the other variations. Also, I have never ever worked at XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of XXXX by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. XXXX. ) What is your authorization of law for your collection of information? XXXX. ) What is your authorization of law for you collection of this alleged debt? XXXX. ) Please send evidence your authorization to do business or operate in the state of Texas XXXX. ) Please provide a copy of the purchase agreement of the alleged debt. XXXX. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( XXXX ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. 

-- - XXXX XXXX  XXXX ---
Consumer complaint received 2016-06-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc (OH)

Received continued notices to settle a debt from Northland Group , Inc. to settle a debt with XXXX XXXX Bank XXXX XXXX XXXX, XXXX. that does not belong to me. I have no record of ever opening an account with XXXX XXXX, nor do I owe them any money. I have asked them to stop attempting this alleged debt, and they continue to pursue communication tactics that is against the Fair Debt Collection Practices Act.
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (FL)

I was living in a rental appartment complex. And when i moved i was not aware of the bogus charges thats on my credit report.They did not give me any paper work nor did i sign anything at the time to agree to these charges.And i'am also aware of this has happen to several residents that lived there after they moved out.
Consumer complaint received 2015-09-21
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (FL)

I am executor of my mother 's estate. She passed three years ago. I am in the process of selling her home. Issue : Bank/mortgage lien on home. 
Three years ago I closed XXXX IRA accounts and a home equity line of credit. The bank told me not only to be sure the heloc was {$0.00}. but that it also is closed. I made sure this was done. I now find out that a mortgage lien is still on the home during closing. Wells Fargo did NOT inform me that a lien still existed when the account was officially closed. My mother never even used this line of credit. I was very surprised that I had to provide a mortgage paper to request a payoff and a release of lien The home was paid off at least fifteen years ago. It has been seven days and the lien has still not been released by the bank. The business manager at the bank told me that working for Wells Fargo he is also surprised to see many closed home equity line of credit accounts that are closed in the computer but have liens open on homes. Apparently there is no law or incentive whatsoever for the bank to notify customers or remove the lien. A special written demand must be provided to the bank. Again no one is told they need to do this once the account is closedI contacted my lawyer and he informed the bank can take up to 60 days to release the lien. This is absolutely wrong! A law needs to be invoked to stop this bank practice. Many people have liens on their home that do n't even know it. 
I understand XXXX XXXX XXXX and others do the same thing.
Consumer complaint received 2017-03-24
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing and XXXX both have committed years of fraud against me. Attached is email communication between my local district attorneys office and myself, Investigation. Ocwen Loan Servicing robo-puppet " XXXX '' is cherry picking email communication between Ocwen crooked counsel " XXXX '' and myself only to spin its cover up to the CFPB. its very difficult fighting a bunch of Ocwen scumbags when I am having multiple XXXX daily do to Ocwen Loan Servicing crooked robos overwhelming fraud abuses. Ocwen Loan Servicing and its robo-puppets keep harassing me, claiming I owe a debt with Ocwen when I do n't. I try and plead with Ocwen scum employees and explain to them that Ocwen / XXXX used fraud upon the court to phony up a pretender beneficiary judgement, using forged fabercated documents to bribe a bias judge to strip me of all my rights. I demand scum Ocwen lawyers to have XXXX VP XXXX call me to discuss XXXX/ Ocwen Loan Servicing ongoing fraud abuse which has caused me serious health troubles,
Consumer complaint received 2017-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Financial Management Solutions, LLC (MD)

Financial Management Solutions contacted me on my personal cell phone in XXXX of 2015 attempting to collect a debt from an apartment complex that I believe I do not owe. While speaking with the representative, I explained to him that in XXXX 2015, I gave proper 60 day notice of my intent to vacate the property due to me having XXXX young children, XXXX being XXXX dependent, as a result of an uninhabitable unit that consisted of mold, a non working refrigerator, and a thermostat that had no mercury in it, which I repeatedly for 4 consecutive months complained to the management about, which were causing me and my children constant health issues. After vacating the unit on XXXX XXXX, 2015, I visited the rental office to return the door key, as I was never given a mailbox key. The representative in the office refused to accept the key and declined my request to schedule an appointment to do a proper walk through of the property, implying that the property had a new management as of XXXX 2015, in which tenants were not properly notified in a timely fashion and that I would have to submit a new 60 day notice to vacate. I attempted on several occasions afterwards to contact the new management to try and return the door key, perform a walkthrough and come up with a solution to no prevail. The representative from the collection agency, then replied that regardless of what I had said to him, his call was an attempt to collect a debt and ask me how much of a payment I was willing to make on that particular day. I explained to him that I was not agreeing to the debt and would not agree to make a payment. He then said to me that if I did not comply and agree to make an immediate payment along with an arrangement that he would be forced to take legal action and that he would be sure to report to the credit bureaus the said debt and that he would see to it that I would not be able to obtain another rental property for at least the next 7 years. He then went on to say to me that he was sure that I did not want to be displaced nor did I want to deal with his company moving forward with any legal actions because of my refusal to make an immediate payment. I requested that his agency send me proof of validation and verification of the outstanding debt that they believed I owed the original creditor within 30 days, which his company failed to do in a timely manner.
Consumer complaint received 2016-07-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (KS)

I have repeatedly requested the FHA MIP be removed from my mortgage since XXXX/XXXX/XXXX when my home loan went below the required 78 % LTV. Everytime I 've requested the removal, I received a denial letter. I requested it again in XXXX XXXX, again receiving a Denial letter. Then, a few weeks later, I received an apology letter stating that the MIP would be removed. I requested that the repay the MIP amount that I had paid since the first request in XXXX/XXXX/XXXX, that was denied. So, they have now removed the MIP, but I was forced to pay it for a year beyond what was necessary.
Consumer complaint received 2016-02-08
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

Hi, I repeatedly get calls at my employer after asking this company to not contact me at work. They call several times per day. They have not provided me with any written verification of any debt owed to them.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

After a reviews of my credit report I noticed several accounts that I do not have any recollection and incorrect information of my report. In order to avoid any delays in processing and in the interest of transparency I have added my government photo ID, Proof of address, and social security card to verify my identity.
Consumer complaint received 2016-12-08
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Contacted a firm - XXXX XXXX ( seller ) whose email had unknowingly been hacked, to inquire about a product ( XXXX ) for sale, unbeknownst to me ( buyer ) & seller, an intermediary was relaying email messages between buyer and seller. At the point the seller sent bank wire info, intermediary substituted the Email attachment with correct bank info with his own attachment with intermediary 's fraudulent bank account information. 

I issued recall request with my bank ( XXXX XXXX XXXX XXXX ) but the receiving bank ( Wells Fargo ) denied the request to return funds ( {$8200.00} ) despite stating in their formal response that account holder name and account information did not match the beneficiary information in the wire transfer.
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

I recently received a copy of file from ChexSystems. After reviewing the file I find that they are allowing unauthorized access to my file. There were over XXXX inquires to my file that I was not aware of and unauthorized. In addition, they are reporting bank accounts that were charged off and others that should have never been reported. The following banks have inaccurate listings : XXXX, XXXX, and XXXX. As a result of this I was not approved for a business bank account.