davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Santander Bank 's lack of transparency and customer service is detrimental to the consumer. Specifically, the information provided on my money market account lacked accuracy and timeliness. The interest rate, which I understand can be changed at anytime, is not communicated until the monthly statement is released and in this instance it was incorrect. As such, the first communication of the rate appears on the monthly statement. Since I am able to calculate daily interest rates myself, I monitor the account on a regular basis. From XXXX XXXX to XXXX XXXX, I noted a change in the interest rate. I phoned the branch and they told me the rate was reduced XXXX % ( from 1.25 % to .75 % ). They could not tell me the actual date. That same afternoon, I phoned their customer service. I spoke with XXXX XXXX, who told me the statement was produced on XXXX XXXX but was not yet available online. He expected it the next day and agreed to call me the next morning. On XXXX XXXX, when I did not hear from XXXX XXXX, I telephoned the service center and spoke with XXXX XXXX. She told me the statement was produced and the rate appearing on it was 1.25 % ( how could this be if the rate had been changed to .75 %? ). XXXX XXXX, during our conversation, told me she was having a problem with her computer and would call me back in five minutes. She never called back. Several hours later, I called the branch ( XXXX XXXX XXXX ), expressing my anger and disappointment and stating I needed to hear from someone in authority at the executive offices. I have not. Bottom line, one would be over one month in arrears in knowing actually what they are earning on their funds. This is good for the bank but unfair to the customer. Santander should update the account website with the interest rate being earned. They already show a vast amount of other pertinent data. One could conclude they do not want the customer to know.
Consumer complaint received 2024-08-13
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. (FL)

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.
Consumer complaint received 2024-08-13
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. (NJ)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Consumer complaint received 2016-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (FL)

This company placed a debt from XXXX on my Credit Report on or around XXXX. The only way I knew it was placed there was through monitoring of my credit report. No mailings or phone calls were sent or received at all! I immediately phoned them to tell them that this was a XXXX claim involving an Attorney. I provided the name and number of the Attorney and requested the accounts be removed from all XXXX ( 3 ) credit reporting agencies immediately! It is now XXXX/XXXX/XXXX and they still have not removed XXXX of the accounts - XXXX. In calling this morning, XXXX/XXXX/XXXX, I was given to a Supervisor, XXXX. He was rude, and told me that they did n't have to remove anything. I asked XXXX who they report to, and he advised " No one! '' I asked to be transferred to someone else, so he transferred me to an empty line which hung up on me. In calling back, I asked to speak with a Supervisor, other than XXXX, so XXXX XXXX answered the phone. He advised that he was the General Manager and would process a XXXX form to the credit bureaus and send a copy to my email. I advised him that I 've been told before by his company that this would be taken care of and it still has not! I advised XXXX XXXX that this company is hindering me from moving forward, as my credit report is marked with something that is NOT my responsibility and legally can not and should not have been placed on my report. This needs to stop immediately! There are consumers out there that should be protected from companies such as this XXXX.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an Non Governmental organization helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I am a minority, single, elderly woman in Bankruptcy Chapter XXXX and I was working with XXXX to modify the mortgage. Now they have locked me out of my own house! They have a sale schedule on the XXXX of XXXX and I ca n't enter my own house or get my personal belongings! This is illegal! XXXX either sold, owns, or is the servicer of the mortgage to XXXX XXXX XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that myself and my ex-husband XXXX executed them and that XXXX is out Attorney in Fact. The attorney for the Servicer who notified for regarding the Sale set for XX/XX/2017 id XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. The Notice of the Sale and security Deed is XXXX ( XXXX. as Nominee for XXXX XXXX XXXX, transferred to XXXX Investors. I spoke with Rushmore 's representative and I told them that I was presently in Bankruptcy Chapter XXXX but wanted to do a modification and asked them to send me the paperwork. The representative said that would not be a problem and that they would work with me on modifying the mortgage. I also told her I wanted to make sure of the real owner the mortgage as XXXX send me another letter saying they are still the servicer. Then I received another letter that XXXX was and another that Rushmore was. This IS very confusing and unethical! I never received the paperwork for the modification and then received a notice of from their attorney, XXXX. I replied to the attorney in XX/XX/XXXX and let him know I am in Bankruptcy as all their correspondence said they were a debt collector attempting to collect a debt. The next correspondence I received was a Foreclosure Sale set for XX/XX/XXXX in 3 weeks. I called the representation and explained again that I had never received the paperwork for the modification. She then told me it was too late to do a modification and that it was set for sale. I explained again that I am still in bankruptcy and she argued with me and said my bankruptcy was dismissed which it is not! I told her they could contact my attorney and he would tell them I am still in Bankruptcy. She said there was nothing she could do. I am still in Bankruptcy and it is active. My attorney 's name is XXXX paperwork and case number attached. The representative said I have 3 weeks to get my furniture and personal items out of my house or I would lose even my personal belongings! XXXX
Consumer complaint received 2016-02-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

Wakefield & Associates took more than 5 days to send a " verification of debt '' letter from first contact. I had to call back 2 times after the initial call to gain a letter. I disputed the debt immediately when I requested the validation of debt letter. More than 3 weeks later, I received their verification letter. I responded in writing via certified mail within 30 days requesting further information, and also in written request that further communication be done in writing. W & A has continued to call on my cell phone, neglecting my request to further our communications in writing. It has been more than 30 days since they have received my letter, and they have not provided any further information. I would like this matter resolved as they continue to call me demanding the debt and have not validated that I own the debt.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (PA)

I applied for a mortgage loan modification with SLS, LLC. The process began over a year ago. After countless phone calls, mails and faxing of my personal information they finally approved a loan modification that was reasonable and i was able to pay it on time. They entered me into a Trial Payment program. I paid it on time every month. I was out of town when SLS, LLC claimed they mailed me some documents that i needed to sign to finalize the loan modification. I never received them, i was n't aware of such documents they did n't call me or mailed me a second notice at all. They did call me about a month ago to tell me that I no longer qualify for the loan modification program because they did n't receive the documents they claimed were mailed to me. I explained to them that I did n't receive them, i searched everywhere in my house, even went to the post office to make sure they did n't have any mail for me. I asked them to please resend the documents and i will sign them and send them back thru certified mail. The representative from SLS was very rude to me and she stated that i no longer qualify for anything at all, and that no one can help me with this and that they are going to proceed with a foreclosure on my house. She said you can fill out another request for a loan modification but that, I will be wasting my time because, I do not qualify for anything. Things happen, mail can get lost, I do n't understand why they refuse to help me, nor understand that the mail could have gotten lost. I have made and continue to make my new modified mortgage payments every month. It makes no sense that they are not willing to help me they rather take my home.
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (MD)

Sometimes in XXXX XXXX, I have enrolled a XXXX party named National Biweekly Administration ( NBA ) for biweekly payment. The person who contacted me for this promotion was as follows : XXXX XXXXEnrollment SpecialistNationwide Biweekly Administration, Inc. 
855 Lower Bellbrook RdXenia, OH XXXX XXXX XXXX faxOn XXXX XXXX, XXXX National Bi Weekly Administration ( NBA ) sent me an email saying that '' Unfortunately, we write today to inform you that due to the loss of NBA 's banking relationships, your account will be TEMPORARILY deactivated effectively immediately .... This is not your fault, and we are working hard to resolve this situation as soon as possible. The most important things that you need to know are that:1. If we debited your account sufficiently in XXXX, NBA will make your next payment due XXXX XXXX, XXXX ; 2. We will NOT be debiting your account in XXXX. 
3. YOU will need to make your next FULL LOAN PAYMENT due XXXX XXXX, XXXX directly to your lender yourself ; and4. If there are any funds remaining in trust after NBA makes your XXXX XXXX, XXXX payment, they will be promptly returned to you. " However, the NBA did not offer reimbursement of all the fees that they have charged me so far for this service. My problem is I was left with the obligation to set up a bank payment and make the payment directly. I called NBA customer service but they do not respond and no live customer service representative is there to take my call. I am requesting a prorated refund of the setup fee paid them including the service charge applied to the last refunded withdraw. Also written confirmation that the account is cancelled and not just suspended.
Consumer complaint received 2015-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

Was unaware of debt owed and no contact was attempted by the collection agency or the school. I found out when I received an email from my credit report monitoring company contacted me.
Consumer complaint received 2015-10-01
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc (CA)

I keep getting calls and voicemails from ( XXXX ) XXXX on my cell phone and land line about collecting a debt on payday loans that I have never taken out. The voicemail say that I am a " person of interest '' in a time sensitive legal matter, which in other words is saying that you are being investigated by law enforcement. The company claims to be Highpoint Asset.
Consumer complaint received 2016-07-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

In or around XXXX 2015, Specialized Loan Servicing inaccurately reported my XXXX 2015 loan payment as 30 days or more late ; however, my payment was not late as it was made on XXXX XXXX, 2015. Specialized Loan Servicing failed to credit my account on the date of receipt in violation of the Code of Federal Regulations ( CFR ), specifically 226.36 ( c ). The CFR specifically states " no servicer shall fail to credit a payment to a consumer 's loan account as of the date of receipt, except when a delay in crediting does not result in any charge to the consumer or in the reporting of negative information to a consumer reporting agency. '' As a direct result, my consumer credit report was adversely impacted resulting in higher interest rates on credit cards and loans. Moreover, I was also turned down for credit.
Consumer complaint received 2024-08-13
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: EQUIFAX, INC. (FL)

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2017-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Credit Plus Inc (CA)

I disputed a collection account on my XXXX credit report. On XXXX XXXX, 2017, XXXX confirms the account was deleted. On XXXX XXXX, 2017, Mortgage Lender obtains merged credit report from Credit Plus , Inc. that showed the account that was supposedly deleted. This affected my score and ability to obtain credit. I informed the Lender that the report was incorrect. Lender had me call Credit Plus directly who told me they could correct the report, but only if the Lender requested such. Lender informed me that this correction would cost {$150.00} and he would not do it. I contacted XXXX who confirmed the account was deleted on XXXX XXXX, 2017 and that anyone who ran my credit the next day would not have seen the account. Alternatively, XXXX may have deleted the account and failed to inform me that such deletion would not report for a matter of days. Either way, now I 'm stuck with either having an additional inquiry on my credit report or not getting my refinance.
Consumer complaint received 2019-10-18
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. (CA)

THE ACCOUNTS DISPUTED ARE NOT TRANSACTIONS MADE BY ME. THESE INACCURATELY PLACED ACCOUNTS NEED TO BE REMOVED OFF MY ACCOUNT FOR THEY HAVE CAUSED HARM TO MY CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2016-11-12
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2016 at XXXX cst I commenced a transfer of {$40.00} to a fellow collegue and during this transfer of monies paypal commenced to placing a hold on the funds as they were posted and moved from my account to his. I contacted paypal as there seemed to be alot of the same issues going on for myself amongst others I had spoken with that did business with Paypal. XX/XX/2016 at XXXX cst I built my way up the management ladder and ended up speaking with a mgr by the name of XXXX in the Paypal Customer Securities/Payments. At this time I had already spent about hour or more weaving my way through c/s reps whom seemed to be less than knowledgeable in their job duties with the companies and were of no help with resolving the matter. When I sent the funds I contacted Paypal to make sure the issue didnt arise and was assured it would n't and here we are and Paypal currently is holding the funds and will not release them to whom I sent them to or back to myself.
Consumer complaint received 2016-04-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NJ)

Honda Financial Services charged, without permission, my checking account that was attached to my loan. I had already made a payment on XXXX/XXXX/2016 and today, XXXX/XXXX/2016, that same exact amount was charged. They had no permission nor consent to charge my account. Now i am dealing with a huge negative on my account, as well as future overdraft fees. 
The fact that i have to call honda, wait for hours to be on hold and just get a message that they 'll resolve the issue soon is unacceptable. Also having to contact my bank, who is n't at fault.