davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Criminal Extortion DEBITS OF CHECKS {$25.00}, {$25.00}, {$24.00} PROCESSING BLIND FUNDS EMPLOYED AS BANK PROBATE ; PRAECIPES, NOTICES OF APPEAL, BANK STATEMENTS ; XXXX XXXX {$25.00} # XXXX, XXXX {$25.00} # XXXX, HISTORICAL ACCOUNTABILITY WITH HUNTINGTON BANK : TWO PREVIOUS BANKS CRIMINAL EMBEZZLEMENTS ; {$200.00} Deposit Trust Collusion into Checking XX/XX/2019 PARENTS TRUST AND ESTATES LIVING RESIGNED AS THE FUN SUCCESSORS ADOPTEES XXXX COUNTY 2014-PB-v-998, 2016-PB-V-247 ; XXXX COUNTY OHIO COURT OF APPEALS, SEVENTH CIRCUIT COURT ILLINOIS.
Consumer complaint received 2019-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

Ditech Financial LLC holds our mortgage for our home. Ditech has only recently corrected our address so we receive mail from them, they have mailed all correspondence to our street address for years although we have tried to correct the address multiple times especially in the beginning of our loan ( XXXX ). We eventually gave up and set up an ebt account so the payment came out of our checking account each month. We pay our own taxes and insurance. Ditech decided in XXXX of XXXX that we had not purchased homeowners insurance and did that for us and started an escrow account. Ditech took the principal and interest plus escrow as the ebt payment for XX/XX/XXXX. We noticed this right away and my husband called them and in a few months they refunded the overpayments and acknowledged that our homeowners insurance was in force and that we purchased that insurance ourselves. Our current homeowners insurance policy runs from XX/XX/XXXX through XX/XX/XXXX. When Ditech took the incorrect amount electronically from our checking account we cancelled the ebt autopay and started sending them checks for the principal and interest. We again tried to correct our mailing address so we could get payment coupons. No success. We just copied an old coupon and mailed it with the payment each month. In XX/XX/XXXX Ditech once again decided we did not have homeowners insurance and opened an escrow account. When we mailed our principal and interest payment for XXXX it was not sufficient to cover the whole amount and Ditech put our payment into a " hold/suspension '' account awaiting complete payment. They mailed the notice to our street address, we did not receive it. We mailed our principal and interest payment again in XX/XX/XXXX. On XX/XX/XXXX we received an email from XXXX Credit Card that they were lowering our credit limit due to a bad credit report from Ditech. This has caused us much distress, worry, anger, frustration. We contacted Ditech. Although i know it is incorrect i paid the escrow amount due in an effort to avoid more negative credit reporting. I have called them almost every day since XX/XX/XXXX. Everytime I talk to a different person and have to explain the whole issue again. I do think Ditech has finally updated our mail address in their system. Their insurance tracking department confirmed they have our homeowners insurance policy and it is effective XX/XX/XXXX through XX/XX/XXXX and the insurance tracking dept conferenced with customer service to confirm this. Insurance tracking said that information has been available within Ditech since XX/XX/XXXX. I want Ditech to remove the negative credit information from our credit report RIGHT AWAY. I want Ditech to refund our money for the escrow account. I want Ditech to confirm this will not continue to be an issue every few months. I want Ditech to acknowledge that our XXXX payment is principal and interest only. Can you please help me?
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I contacted this agency on  XXXX   XXXX ,   XXXX  . The information on my credit file states I had a car loan with them, when I never had a loan with them. The date they state I opened a loan is the same date I opened my loan with   XXXX   XXXX  ! Who is currently my finance company and always have been since  XXXX ! I attached copies of my   XXXX   XXXX   doc uments! Proving Santander consumer company was never my finance company and I still possess my vehicle! I am a victim of fraud! I have contacted my lawyer then fbi! Santander consumer is fraudulent!! They are keeping me and my children from home ownership!
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

Someone applied for a Chase Sapphire Credit Card online and it wasn't me. I received an inquiry notification from a credit monitoring service. I called Chase to tell them the application was fraudulent and they declined it. They will not give me information on the credit application or ip address. I been targeted before by family members before for credit and Im trying to determine who applied for it. They will not give me that information.
Consumer complaint received 2019-02-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have been trying to assume the mortgage for the home I own since my husband ( sole on the loan ) died in XXXX of XXXX. I was not on the loan, but we had filed a joint tenancy deed, and I was the sole inheritor of all of his property by will. The mortgage company, Wells Fargo, was provided with both the deed and the will. I was initially told that I would need to refinance. I knew this was incorrect and that I had the right under the Garn St. Germaine act to  assume the mortgage. The attorney who handled my estate filing interacted with Wells Fargo citing my statutory right both by correspondence and phone several times, with no successful resolution. I made a previous complaint to this bureau, with no successful resolution. I was recently reassured by a banker that I did have the right to assume the mortgage, strengthened by recent regulation, and recontacted the company ( both mortgage division and corporate ) by letter XX/XX/XXXX. This time I did receive response acknowledging my right, not to assume the mortgage, but the right to be " reviewed '' for an assumption. This review was to consist of a credit income qualifying process. It is my understanding of the Garn St. Germaine Act that if I wish to assume the loan, the lender must honor the assumption whether or not I am creditworthy. [ XXXX XXXX XXXX, XXXX XXXX, pp XXXX, XXXX, XXXX, XXXX ] Because this is so, I object to the requirement imposed by Wells Fargo that I must undergo a credit income qualifying process the fees of which are approximately {$3400.00}.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, 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. (MO)

I noticed an unusually large number of unauthorized inquiries on my XXXX, Experian and XXXX   credit reports. 

Via certified mail, I submitted a FTC identity theft report to each credit bureau along with a copy of section 605 of the FCRA and a copy of my drivers license so the inquiries would be blocked within 4 days of receiving the letter per the FCRA criteria. I have proof the letters were received by each credit bureau on XX/XX/2019. 

It is XX/XX/2019. As of today the inquiries have not been blocked per the FCRA regulations.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (VA)

I was charged over {$15000.00} in returned item fees and overdraft fees by navy federal Credit union for transactions. Navy Federals systems showed the money as immediately available to spend. However, they failed to disclose that payments received after XXXX XXXX Eastern ( and later, after XXXX XXXX Eastern ) wouldnt actually post until the next business day.
Consumer complaint received 2019-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (CA)

I walked in the BBVA Compass Branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2019 and requested to close my checking account. I had a small amount of money in the account which I withdrew, and verified with the teller that my account was closed out. 
About a week later I receive an overdraft letter, then another, and another. So I go online and log into my old account, which I should not have been able to access since I was told it was closed! Low and behold I get in and there is XXXX worth of charges and overdraft fees. One was a ACH from a CC that must have gone in under the radar, but the rest were debit payments that should never have been paid. My debit card should have been shut down the minute I requested to close this account. ALL debits should have been denied if this account was closed. I was in the process of switching everything over so I would have dealt with any loose ends or merchants on my end. 
When I contacted Compass I was told that they re-opened my account when the ACH went through the next day, and that I have to wait 30 days for it to be completely inactive. Um I never gave them permission to re-open my account, and when I was ther in person to close my account they NEVER mentioned any of that. 
This bank preys on people with overdraft charges, which is the primary reason for my wanting to close this account because of past issues with them.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

In XX/XX/2018 I received a notice of and inquiry from XXXX   XXXX  XXXX. I contacted them right away and they communicated to me I was People 's United Bank who submitted the request. They advise me to go into the branch and disputed with them. Which I did. Per Peoples United Bank staff my credit was not ran by them. I never give any permission or authorization to any staff or People 's United Bank to run my credit for a Mortgage.
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (SC)

Synchrony 's Walmart credit card overcharged me. Paid {$150.00} on XX/XX/2019, but then charged XX/XX/2019 as well. Loss {$310.00} on XX/XX/2019 through my XXXX 's XXXX XXXX account and had to take out of my savings to pay rent, putting me at financial risk. The company would not respond to my call and said customer service was down around XXXX.
Consumer complaint received 2019-02-28
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

Fraud charges have been filed, talked to agent, sent out response letter to Citi Bank and neve resolved my dispute and all fraud charges are still on my account. 
No body contacted me ever since I filed the dispute fraud charges.
Consumer complaint received 2019-03-01
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. (PA)

XXXX XXXX XXXX has a collection on my file from a cable company. I contacted them to make payment because at one time I DID have an account with that cable company..but this debt was not mine. They had a completely different address where I never lived. We determined, over the phone, that this must have been identity theft. I asked them to process it accordingly. 

They did not remove it from my file. I disputed this with all three credit bureaus and they did not block the item from display ( as federal law requires ) nor did they process it as an item from ID Theft. 

Account number XXXX. Balance listed {$250.00} Address listed as XXXX XXXX XXXX, XXXX, PA XXXX
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have contacted this bureau a few times in the last 90 days on XX/XX/108 and XX/XX/2018. Both times i disputed and reported to them about these unauthorized hard inquiries.They have not sent me any results via us postal mail or email. these unauthorized inquiries were not authorized by me and I need them removed immediately. They are affecting me from obtaining credit and moving on in my life.
Consumer complaint received 2019-02-27
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. (GA)

XXXX XXXXL AS and XXXX XXXX are in violation of my consumer right, i do recognize the company and i have never done business with them before. please verify the accuracy and i need the account permanently blocked from my report and any future report from the company.
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IL)

I am a member of the XXXX XXXX and was mobilized to XXXX XXXX in 2018. Federal law requires that credit card companies apply SCRA benefits in these instances. Upon notification of mobilization, I filled out the archaic American Express SCRA benefit application and provided them with my orders. In the application I requested that the benefits be applied to both my Amex Platinum and Amex XXXX XXXX card. They only applied the benefits to my Amex platinum ( applying lower interest rate and did not charge annual fee ), but they did not apply them to my XXXX XXXX XXXX card. For several months, I attempted to request Amex resolve this and refund my annual fee that I was charged for the XXXX XXXX card. Eventually ( in XXXX ) it was determined that I would need to fill out another application to have these benefits applied to the card. I did so, however, they replied that due to the fact that the orders had ended they would not apply the SCRA benefits retroactively and refund my annual fee. This is absurd that they would apply them to my Platinum card and not my XXXX card, furthermore it's insulting that they don't recognize my mobilization to XXXX XXXX as qualifying for a fee refund. I inquired with several colleagues about this and not only did they have apply for SCRA relief for one card, but Amex also applied the benefit to all of the other Amex cards that they hold. Additionally, they were refunded ALL FEEs they've paid in the past. The fact that I am being singled out and not given the benefits required by federal law is insulting. I've now spent 5 full months trying to rectify this and the support that Amex has given me has been awful. I only have the federal government to turn to now to help me with this. 

Thank you
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted this bureau a few times in the last 90 days on XX/XX/108 and XX/XX/2018. Both times i disputed and reported to them about these unauthorized hard inquiries.They have not sent me any results via us postal mail or email. these unauthorized inquiries were not authorized by me and I need them removed immediately. They are affecting me from obtaining credit and moving on in my life.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KY)

Dates of problem : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I placed a credit freeze at all three credit bureaus after my information was compromised during the theft of XXXX XXXX  and military service member data several years ago, Recently, in a transaction with my bank, the bank needed to pull my Experian credit report. I went to experian.com/freeze and requested the freeze be temporarily lifted. The system displayed a message that my session had expired and directed me to return to the login page. I did so and reentered the information again. Then I received an error message that said that a request to unfreeze my credit report was already submitted. However, when my bank tried to pull the credit report, they received an error that it was still frozen. 

I have tried this several times, without success. Finally, I tried to contact Experian to speak to a customer service representative to resolve. However, there is no method to speak to a person. I was sent through a number of menus to finally arrive at a recorded message to direct me to submit information in writing. So, that is what I am resolved to doing. 

Experian needs to fix their online freeze/unfreeze system.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft, and I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. 
I contacted the Companies, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
Consumer complaint received 2019-02-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (FL)

I leased a XXXX vehicle for my daughter. My daughter was involved in a crash and the vehicle was " totaled '' out. The crash occurred sometime in XX/XX/XXXX. I went to XXXX and leased her a new vehicle, XX/XX/XXXX. Never hearing anything about my daughter 's first car I thought everything was clear/clean. 
Fast forward to XX/XX/XXXX I received a credit bureau alert that I had a {$1000.00} chargeoff on my account. I went to the website and discovered it was for XXXX XXXX XXXX XXXX. I called XXXX to inquire and was told that the insurance company apparently had a {$1000.00} deductible and that they had sent me a bill in XX/XX/XXXX. I can not imagine that they only sent me one bill however the customer service rep confirmed they sent nothing else or no phone calls to tell me about the issue. I had to move money from one account to another and had the chargeoff paid within a few days. I understand that this is something that I must dispute with my insurance company and definitely would have done had I know there was an issue. I am in the process now of doing this with my insurance company. 
The problem is that now this chargeoff is on my credit reports and it caused a significant drop in my score. So I sent a letter to XXXX XXXX XXXX   respectfully requesting that they consider removing the chargeoff, since I had no idea I owed the {$1000.00} and according to them they only attempted to notify me one time in 7 months despite the fact I have two additional accounts with them. All in good standing. 
I received a letter back from them saying that it will stay on my credit report and that they were accurate. This has been absolutely devastating especially since I will be attempting a home refinance within months.
Consumer complaint received 2019-02-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma (NC)

I contacted the application Credit Karma due to information published from lenders for my current student loans reflecting an increase to the interest of those loans but all loans showing in current status and in Deferment or Forbearance. My score recently dropped XXXX points due to the reporting from these lenders of the interest accrual. I reached out to the lenders and was advised that my score should not have been affected due to the up to date status of my loans. I reached out to Credit Karma and was told it was due to the balance increase and that was the reason for the drop in score which was inaccurate.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Upon viewing my credit report I found an inaccurate late payment from XXXX  that was reported to Experian, XXXX, XXXX  XX/XX/2019. I was never late on this account.
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I received a letter dated XXXX XXXX that FIRSTBANKCARD WAS CLOSING MY ACCOUNT and that I no longer be able to utilize my credit line and was advised to destroy all cards related to this account. I called the company upn receipt and of course they refered me back to the letter to get an explanation. from what I gather my credit score has went down so they determine I was not worthy of their card anymore. I have been a customer since XXXX XXXX ( 5years,11 months ) never had a late payment which I have provided proof in this complaint, and for them to close my account and damage my credit with a CLOSED Account For whatever reason is unacceptable and unreasonable. not only does it lower my credit score it damages my rating and future attempts to apply for any credit with that CLOSED status on my credit file