davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-02
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

When I opened my savings and checking accounts, I specifically requested Santander Bank to not allow overdrafts in my accounts ; i.e. decline transactions that would result in an overdraft, if I did not have enough money in my accounts ( I am attaching a letter sent to me by Santander Bank that proves my request ). I requested this because I not always pay too much attention to how much money I have in my accounts. Selecting this option gave me peace of mind since I knew that if I wanted to pay for something but I didnt have enough money, Santander Bank would just decline the transaction and I would know I was running low on my balance. 

Beginning on XX/XX/XXXXsome payments using my savings account were not only not declined, but a ridiculous number of overdraft fees were charged to my account. I didnt notice anything because I didnt receive any text message or email alerting me of the situation. In addition, I changed my address and I received the first forwarded overdraft notice by the beginning of XX/XX/. However, by that time my mother ( another Santander Bank client ) and I had already contacted several times the bank trying to settle this issue.

Not only Santander Bank did not decline the transactions ( none of them were recurring payments, therefore, they should have been declined due to lack of funds in my account ) but also it began to record ( on XX/XX/2019 and on ) some doubtful transactions, none of which I was aware of. For instance, the same amount charged twice the same day ( charging me two overdrafts fees! ) and then, the following day recording something as ACH RETURNED ITEM twice, which resulted in me being charged two overdrafts fees AGAIN! 

We ( my mother and I ) have called XXXX times Santander Bank ( from XX/XX/ to XX/XX/2019; we have dates, names, hours of calls, etc. ) and we have been told every time that a supervisor is going to call us back, but no one has done so. At the middle of XXXX, we noticed that not only Santander Bank did not resolve my issue, but they actually closed my account and sent it to collections. 

To summarize, there are five ( 5 ) overdraft fees that should have not been charged to me ( 35*5= {$170.00} ). In addition, my credit report might have been affected negatively because of this issue. I exhausted every possibility to resolve this issue directly with Santander Bank and I have no other option, but to make a formal complaint against the bank. Santander Bank is not only charging me fees that it is not authorized to charge, but it is blindingly ignoring any and all of my attempts to resolve this issue. I request Santander Bank to write off those five ( 5 ) overdraft fees and to correct any bad report submitted to consumer credit reporting agencies, in case the bank had made a bad report against me.
Consumer complaint received 2019-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I received a few letters from Midland MCM stating that any debt older than two years will be removed, and I sent them letters requesting verification of these accounts because they were not familiar to me. I have an identity theft alert on all 3 credit bureaus. I need this company to verify my information in accordance to proper guidelines as I requested.
Consumer complaint received 2022-09-12
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

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
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMs? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please DELETE the items, or inaccurate information, from my file immediately & send me the results to the address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Security National Automotive Acceptance (NC)

Me and my wife have been with this company since XXXX. We both looked at our credit report and noticed that our account with SNACC was closed due to no payment and payments. When me and my wife has clearly been making payments on time and every month. Other than when I was XXXX and I tried to tell them that and they still took the car. I paid well over XXXX to get the car back and now I see that on our credit report. We filled a despuit with the credit place and they came back to say the same thing. Now just this month we got an email that we didnt pay and it hit our credit again. They been doing this since XXXX. Now my car broke down and now we cant get into anything else due to our credit being low becuase of them reporting us late or not paying at all. We we have prove that we have paid every month and the month I was XXXX and took the car.
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

A company identitying themselves as " portfolio recovery associates '' has repeatedly contacted my mother asking her how to get in contact with me. She lives in another state and has a different last name, they have contacted her 23 times in one week and made threats of legal action against her. I made contact with this company at the number XXXX XXXX XXXX on the morning of XX/XX/19 and identified myself and requested they stop contacting family members and was told " we can call anyone we want ''.
Consumer complaint received 2019-03-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

Date : XX/XX/19 Amount : {$400.00} Company : Coinbase Action Taken : Funds originally placed on hold for 16 days Called to get the hold reduced ( since my funds already cleared bank account ) Coinbase increased hold to 26 days Multiple tickets have been opened ( # XXXX, # XXXX, # XXXX, # XXXX ) I have ACH trace numbers and proof that the funds cleared. 

Per Coinbase : " Deposits are placed on a temporary hold while we wait for the transfer to clear ''
Consumer complaint received 2019-03-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

Several years ago I obtained a XXXX XXXX Mortgage from PNC Bank. All was good and I always made my payment 2-4 weeks ahead of time. At some point last year PNC Bank discovered that if I pay early I pay less interest. They changed their system and its been a disaster ever since. Every month it appears like I have not made the proper payment. They have flat out told me I can no longer make early payments as it will mess up their system. As a commissioned sales person I always like to stay ahead in payments just in case I have slow month. I can not do this anymore. I have received 2 calls over last 6 months regarding my " late mortgage payment ''. This infuriates me as I have never been late on a mortgage payment in 35 years. 
PNC really screwed up when they designed this loan. Not my problem. I did not even realize what was happening until the changed their payment system.Of course they lied to me for the first 6 months about the how's and why's of their system. I finally figured it out for myself.Once confronted with this info several phone reps have admitted how the system now works and why.It 's all about the interest they want to collect. Is it even legal for them to prevent me from paying early? Or to change the payment system?
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (UT)

I have a XXXX XXXX XXXX Mastercard rewards card through Synchrony Bank. They have had several issues with their rewards refund this year. I received several emails stating that my rewards would be available after I received the " blue letter '' in the mail. I received it and proceeded to my local XXXX XXXX XXXX to redeem the rewards on XX/XX/2019. I was notified at that time that my rewards were not available and to call Synchrony Bank. I called on the XX/XX/2019 and was notified at that time that there was an internal problem with their system and it would be resolved by the end of the month, but to call again to verify. I called on XX/XX/2019 to verify. The system is still broken, but they asked me what error I was getting when I tried to use the card. 

I explained to them that I simply went to the member service desk to have the reward applied as a payment on my XXXX XXXX XXXX Mastercard as it states I can do in the letter and I was told the funds are unavailable. The customer service agent then notified me that applying the funds to my Mastercard wasn't an option for me. He stated that was only for customer that didn't have a local XXXX XXXX XXXX. I reiterated that the directions for applying the refund to the card are on the letter they sent. He refused to acknowledge the information on the letter. The letter is attached to this complaint.
Consumer complaint received 2018-09-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

I was behind in payments and contacted ocwen for a payment plan. That plan they offered me was {$1200.00} a month for a {$500.00} a mo th mortgage. I asked what else can we do and ocwen told me a modification so I filed for that on XX/XX/XXXX. On XX/XX/XXXX I was told by ocwen the modification was held up by fha so let 's just do repayment and I said fine let 's just get mortgage current. Then I called ocwen on XX/XX/XXXX to confirm I can pay the 1st payment of payment plan on XX/XX/XXXX and ocwen had no idea what o was talking about and said I must apply for repayment plan. Ocwen reps are rude and not helpful and each rep lies. I am 3 months farther behind because ocwen can't figure out the repayment plan.
Consumer complaint received 2019-03-04
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. (NJ)

Two years ago a doctors office spelled my name backwards on their bill for {$360.00} and the insurance company denied the claim. Before we could figure out what the issue was the claim was sent to a collection agency. The issue was eventually identified and the insurance company paid the claim. The billing company told us they would request that the collection agency delete the collection account from my record. This was never done. Last month we applied for a mortgage and were denied because of this issue. We were told that our application could be resubmitted only after this collection account was deleted from my account. We filed disputes with the three credit bureaus on XX/XX/XXXX. Within a week XXXX XXXX and Experian came back to us and said that the collection was valid and did not update my record. We then spoke with the collection agency directly. They submitted a request to the three credit bureaus to remove the account on XX/XX/XXXX. XXXX processed the request and removed the account two days later. XXXX XXXX and Experian did not. I spoke to representatives of both companies on XX/XX/XXXX who told me that they never received the update from the collection agency and to file another dispute. I did so and again Experian refused to update my account. I spoke to an Experian representative on XX/XX/XXXX who said that the issue is that the collection agency never sent the request to delete the file. I spoke to the collection agency again today XX/XX/XXXX who confirmed that they did indeed send the update to Experian and XXXX XXXX and the issue is with the credit bureaus. No one at the Credit Bureaus is willing to help us and we are running out of time given our rate lock period with the bank. Obtaining a mortgage at a different bank will cost us an additional {$10000.00} in interest over the course of the loan.
Consumer complaint received 2019-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Hello. 
I have been CITIbank customer about 15 years. At the end of 2018 I was notified ( letter ) that my account is going to be closed. No reasons were specified, just stated that based on our agreement bank has right to stop service. I contacted with local branch manager but no explanation have been provided yet even she promised to reply. Then I have been notified that my XXXX XXXX and Home Depot membership would be terminated ( both sponsored by CITI ). I wrote to CITI complaint department to get explanation : what I did wrong, what rules or regulation were broken by me, but I have received response wich duplicate there initial statement without any reasons WHY my account was closed. 
as a result I had to open new account in another bank, recreate/transfer all my online payees to new platform, so many inconvenient things were done. Even though I don't need CITI service any more I am going to write one more letter to CITI to obtain explanation to their action.
Consumer complaint received 2019-03-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

Loan with Toyota Financial Services. Sold the car & paid off the loan. Even after loan paid off, Toyota Financial Services drafted the monthly installment payment out of my bank account. Website showed that call center is open after XXXX XXXX. " local time. '' I called in at XXXX EST this morning and got an automated message that the call center is " closed '' but that it's open at XXXX " local time. '' Obviously this is false. I need Toyota Financial Services to refund the monthly installment payment since the loan is paid off. Also, they should update their website and automated voice system to reflect the times that the call center is actually open.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (GA)

Hello, I recently applied for a credit card and was denied due to the reason that there was an open account with XXXX XXXX department store with a delinquent status on my report. I have never applied for nor am I on any account associated with XXXX XXXX. I believe that this information was falsely reported under my credit report because my mother and I share the same name and at one point the same address. She in fact does have an account with XXXX XXXX. I'm requesting that this wrongly reported account be removed from my credit profile. It is negatively impacting me and I have no affiliation with this account.
Consumer complaint received 2019-03-04
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. (OH)

I have had someone access my credit profile for accounts that I do not recognize. I have had my wallet stolen and my credit, I.D . was used not sure how many accounts were opened. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX. My name is not XXXX XXXX or XXXX XXXX please delete them from my credit file. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX  XXXX # XXXX****, XXXX XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX # XXXX**** , I do not own these phone numbers please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2019-03-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (NY)

Ocwen has been trying to foreclose my house even if I miss one payment On my credit report payment is {$590.00} But on the statement has inflated it by XXXX dollars Calls my phone twice a day and on weekends too at XXXX XXXX
Consumer complaint received 2019-03-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (NY)

In XXXX I got the loan from XXXX And I left school without finishing my XXXX XXXX XXXX 
The loan was misapplied. 

I have been paying the loan on and off and taking forebearence when I had hardship From XXXX to XXXX I paid but was never given an itemized statement to show how much I paid. 
In XXXX I was officially XXXX. To date. 
My benefits analysis reads XXXX officially disable Next review date after 7 years XX/XX/XXXX Nelnet takes over the loan and never transferred the balance. 
Never treated me fairly and always claims never received my benefits analysis Used tax loophole in XXXX and had to file spousal Injury On XX/XX/XXXX called US department of education. XXXX XXXX XXXX XXXX Spoke to a lady by XXXX and mentioned my account does not e its and has been closed since XXXX So then my social security money has been deducted for three months No itemized zed balance and records Filed in jury spouse my husband and child credit was refunded. 

XXXX Now has got national credit using robo calls on weekends I have sent a debt validation letter to XXXX XXXX XXXX and department of education No reply from both Best wishes XXXX
Consumer complaint received 2019-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I reached out to the collection agency ( United Revenue Corp ) in a attempt to VALIDATE tarnishing information thats reflecting on my credit reports. Its my right as a consumer to take this step and theyre simply not willing to cooperate. I would like to see supporting documents that lawfully binds me to these alleged debts. Which is a total of 3 collections reflecting on my credit reports. Thank you!
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I called and submitted numerous letter to correct my personal information to the credit bureaus. I also have certified mail receipts. I have old addresses on my credit report that I never lived at a day in my life. Also my name is not reported correctly and misspelled. I would like all addresses that do not belong to me deleted. I would also like my name reported correctly and all inaccurate names deleted. This is hindering my life in a major way and needs attentions ASAP. Thanks for your cooperation please help!!
Consumer complaint received 2018-09-26
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (CA)

XX/XX/XXXX I am written on behalf of my student loan that I filed bankruptcy on in XXXX due to unduly hardship I had not worked three years prior to filing bankrupt nor worked a year half proceeding bankruptcy. My student loan was not under Navient at the time it was in a collection agency by the name of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KS XXXX. In which I filed. 
Since filing bankruptcy, Navient has pulled it out bankruptcy reissuing the loan a new account number making it appear as if it was not included in the bankruptcy because the account numbers do not match the previous collection agency number. My issue and concern is I filed bankruptcy on this loan several years ago and I will like this account to be closed and removed from my credit report. 
I have attempted several times to inform Navient about this account however, they continue to tell me the account numbers are different.
Consumer complaint received 2019-03-03
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. (CA)

Experian and XXXX Credit Reporting Agencies are allowing two debt collectors to publish information on my credit report in violation of the Fair Debt Collection Practice Act. According to that " Act '' debt collectors are required to contact me first regarding a debt and allow me 30 days to submit a written request for validation of the debt. Both Experian and XXXX are publishing information on my credit report regarding a collection account owed to XXXX XXXX # XXXX in the amount of {$3100.00} ; however, I am not familiar with XXXX XXXX and I never received any notice of debt from the company before it was published on my credit report. I was denied my important rights under Federal and State law. I contacted both agencies to let them know that XXXX XXXX violated the law and denied me my rights under federal law but no action was taken. 

Experian and XXXX further violated my rights by placing a second collection account on my report that was placed by XXXX XXXX XXXX. This company did send me a notice of debt about 6 months ago and within 30 days I submitted a request for validation of debt, in which I informed the agency that I have never enjoyed a XXXX account. XXXX did not contact me further, but recently in violation of Federal Law, XXXX placed a collection action on my account causing my credit score to drop.