davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (OH)

I have sent emails XXXX XXXX XXXX on two different occasions ( not including today ) requesting the same information. First, I sent proof of having my own homeowner 's insurance policy in XXXX XXXX, immediately upon getting my home out from under forecluosure. However, Fay Servicing continued to charge me for their policy even after I submitted proof.I also was being charged fees for unknown items such as " recovered coorporate advances '' on my statement. I wrote an email inquiring about these items and requesting a breakdown oof my fees, escow, principle balance, and so forth in XXXXXXXX XXXX XXXXXXXX.I never received a response. I followed up in XX/XX/XXXX. I still never received a response. Today, XX/XX/XXXX, I received a letter in the mail from Fay Servicing stating that they received " evidence of property insurance '' ( as if they just received it when I sent it in XXXX XXXX ), " however upon review we noticed the Named Insured is not correct. According to our records the named insured should read as follows : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( my ex-hushand 's dad actually- My ex-husband is XXXX XXXX XXXX and he doesn't live here ) " To comply with the terms ofthe loan please contact your insurance agent and request the named insurer on your policy to be updated accordingly and send us a copy of the Declaration page. '' I have been divorced sice XXXX and have since been with XXXX XXXX, XXXX, and now Fay Servicing. I have only had my name on my home insurance policy since XXXX since I am the one who pays the insurance and I am the one who pays the house payment.No other lender has ever made such a ridiculous request or given me such a difficult time. 

My ex-husband does not live here and has never been on my home insurance policy before. This is simply a manipulation tactic so that XXXX can continue to over charge me for their outrageously priced insurance. 

They are failing to respond to my requested regarding fees, specifically " recovered cooperate advances '' because they know that they took advantage of my time in foreclosure to add atranomical fees and charges of which some were miscalculated or illegally added. 

**Should the emails I have sent, my mortgage statements, or the letter received fromXXXX XXXXXXXX today stating a need for my ex on my insurance policy be needed - I can send them. However, I do not have them on the desktop I am using. I have the pics of them on my phone in whichI could send through my phone if needed or wanted.
Consumer complaint received 2023-09-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TD BANK US HOLDING COMPANY (CA)

In XX/XX/2020 I flew to Texas to buy a truck advertised for XXXX tobstart my business. I put XXXX cash down and when it was time to sign I was told I could not get a copy due to system issues. I had never bought a new car so had no idea this wasn't good. 

It took over a month to get the contract and when I did the price was bumped up over XXXX. 

I have tried to resolve this with the company and i had a lawyer send a letter but they never responded. I have been trying to fix this since I found out this was fraudulent but didn't know who to contact. 

It's almost as if I never gave them XXXX. All of my life savings.
Consumer complaint received 2024-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

I contacted Sallie Mae, which became Navient, many times over many years and asked to be placed in the most favorable repayment plan for my situation ( XXXX, unemployed, with significant financial hardship ). 

Instead of placing me in an income-based repayment plan, they placed me into forbearance and deferment for the maximum period allowed by law. 

It wasn't until I exhausted all allowable months of forbearance and deferment and called dozens of times pleading for help that I finally found someone at Sallie Mae/Navient willing to allow me to apply for an income-based repayment plan in XX/XX/year>. 

Since this experience, my loans have been transferred to XXXX XXXX, then XXXX, and now XXXXXXXX XXXX 

It is my understanding that all of these months in forbearance, deferment, and financial hardship are supposed to be credited to my account by the Department of Education with a XXXX XXXX XXXX XXXXXXXX, but this has not happened yet. 

I am still waiting and very worried that Salle Mae/Navient 's negligence will add many years to my loan term.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

O On XX/XX/XXXX, we went into the bank to make a deposit into our business account. We were informed that our account was frozen on XX/XX/XXXX. We spoke with the bank and they shared that it was an inbound wire transfer that was flagged as fraud. We then spoke to Business partner and XXXX XXXX sharing that it was a mistake. There was a naming nomenclature issue on our business partners and but it had been resolved at the XXXX XXXX and we are now XXXX  days in. Have missed XXXX payrolls on our small business and have had multiple employees quit due to the fact that {$300000.00} of our money is tied up as of today XX/XX/XXXX we have had XXXX phone calls with truest and still being told that we can not have our money or any information. It is urgent that we get some help as our small business and our family are about to be on government well truest is not being helpful or disclosing any information and I do not understand how they can freeze my business money and my personal money all in one swoop and not give me any information in XXXX
Consumer complaint received 2024-08-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC (NM)

Complaint : We have been in contact with Monterey Financial Services regarding a debt they are trying to collect on behalf of another company. Despite informing Monterey multiple times that the debt is under dispute and should be returned to its original creditor, they have consistently declined and insisted that we address the matter directly with them. XXXX XXXX is adamant that I settle the reassigned debt with them directly, despite my communication that the debt is in dispute. The original creditor has refrained from engaging in communication with us regarding the disputed debt and related issues, as the account is currently under the management of Monterey Financial Services.
Consumer complaint received 2023-09-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Exeter Finance, LLC. (FL)

When making a payment I was told that I could set up arrangements after wards once I paid they said arrangements didnt exist theres was lack in communication they would only call doing my work hours I had precession of my phone never received letter of reprocession car gone is in there custody and still telling different charges
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (VA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER HOLDINGS USA, INC. (FL)

I opened a Santander checking account on XX/XX/2024. I opened it with a promotion of receiving a {$400.00} bonus after {$5000.00} of direct deposit going into the account. I completed all requirements ( received the last required direct deposit ) on XX/XX/2024. Then, on XX/XX/XXXX, my account was closed by Santander without warning or any attempt to contact me ( and the remaining balance on the account was mailed to me via check ). I called to ask the reason, and I was told they did no have any information to give me. On XX/XX/XXXX, I then submitted a formal complaint ( via mail ) to Santander, in which I requested information on why my account was closed, and indicated that the closure came right before I should have been paid the {$400.00} bonus, so I requested that be paid out to me as well. I received a letter in the mail dated XX/XX/XXXX, stating that they would not be telling me why they closed my account. The letter also stated that they would not be honoring my request for the {$400.00}, since the account was closed. It seems clear to me that the account was wrongfully closed by Santander, not me, so the {$400.00} should be honored.
Consumer complaint received 2024-09-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (FL)

After carefully looking over this information on my credit report it clearly stated this was opened on XX/XX/XXXX and last payment was sent on XX/XX/XXXX this information is solely no correct and needs to be removed out of collections on my credit which seems to not even be correct
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

In response to the company, I printed all my bank statements and compared them to the letter I received on XX/XX/24. On XX/XX/24 fraudulent charges of {$1700.00} was taken from account. I did not authorize. On XX/XX/24 another {$500.00} taken out of my account. On XX/XX/24 received credit of {$1700.00}. On XX/XX/24 reversed credit of {$500.00} which I was told from merchant, however {$500.00} was also withdrawn from XX/XX/24. On XX/XX/24 credit of {$920.00} to my account. On XX/XX/24 reversed {$400.00} and {$100.00}. On XX/XX/24 reverse another of {$400.00}, so {$920.00} was never credited to my account., plus I am missing {$500.00} which was with the original {$1700.00} on XX/XX/24. I am a senior on a fixed income and in financial debt because of this. I am a victim of a crime and fraud. My computer was hacked, and I had it cleaned on XX/XX/24 along with a new debit card from the bank. Please have this corrected. 

Thank you
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

I have been going through a divorce and my ex-wife was not helping pay any bills. Because of this I ended up getting a XXXX  day late payment on a HELOC through America First Credit Union. I went to their bank and let them know what was going on in XXXX of 2024. They told me there was nothing they could do and that they needed the payment. 

A few days later I read about the skip a payment option and was able to do that for XXXX. In XXXX of 2024 I again went to the bank and let them know what the issue was and asked for help. I was told that the payment was due and they needed the money. I then received a XXXX  day late notice that was reported to the credit bureau. 

In XXXX of 2024 my divorce was finalized and I was finally able to pay everything current. 
Once my divorce was finalized I went back into America First and gave them a copy of the divorce decree. I asked for any kind of help to not have it report on my credit and they told me no. 

My divorce decree states I have XXXX  days to refinance the house out of my exes name and into mine otherwise I will be forced to sell. 

When talking with the mortgage lender they stated that due to the XXXX  day late my credit dropped around XXXX points and they also will not let you refinance, or get a new home loan with a XXXX  day late on your report. 

I have not missed a single payment and I have not been late with a single payment in my credit history besides this one. Because of this I have been contacting America First credit union and begging them to please remove the note to the credit report in good faith since this was due to an extenuating circumstance and it was paid current. 

I have also asked for them to send a letter to the credit bureau and to myself stating I have always been in good standing with my loans and the loan is current at the moment as well to see if that could help me at all and they refused to do that as well. 

America First has refused to do either of these things which is seemingly going to cost me my house. I am hoping that due to the situation America First could do this XXXX time courtesy letter and forgive the XXXX late payment I have ever had in order to help me keep my house. Thank you
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Set up direct deposit with my employer to deposit my check in my account at Capital One. My deposit on XX/XX/XXXX never went in my account. Verified the account number with work and it was incorrect so I fixed it. Check on XX/XX/XXXX did not go into my account either. Filed a claim with bank. They denied it. Gave them the tracing numbers and they denied it. Today I reopened another claim for missing deposits and gave them the info again. My employer has not received any money back from the bank as not being able to deposit. Was told it could take another 45 days for an investigation. Meanwhile I have no money for bills or food and Capital One does not seem to be wanting to help recover my money.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: American Credit Acceptance, LLC (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

Disputed Amount : {$98.00} XXXX XXXX has refused to properly address several issues pertaining to my account. the previous issue pertains to my credit card and i will be refiling that dispute later today.

this ins now the 4th months I have called them, told them to STOP allowing XXXX to charge my account as I do not personally have an account with them and they CONTINUE to allow them to withdrawal funds. i have stated and called month after month notifying them TO STOP ALLOWING THIS COMPOANY TO TAKE FUNDS FROM MY ACCOUNT and they continue to allow this.

They refused to address the issue this month, I have opened claims and called, and they simply turn the other way. my account is now overdrawn and i am unable to access MY MONEY that I worked very hard for.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I checked my inquiries and saw Bank of America XX/XX/XXXX on my report as a inquirie never applied for any credit. XXXX XXXX on XX/XX/XXXX never applied for any credit. Bank of America again XXXX and XXXX XXXX again on XX/XX/XXXX. Than I see this XXXX on XX/XX/XXXX dont even know what this is never applied. On XX/XX/XXXX XXXX appeared dont have any knowledge of this account.
Consumer complaint received 2024-07-01
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. (NY)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (MI)

XX/XX/XXXX received a letter from my place of business ( a garnishhe disclosure ) that XXXX XXXX XXXX was garnishing my wages I spoke to XXXX XXXX XXXX they stated it was from XXXX XXXX originally. They stated it was from milestone credit card for {$1000.00}. 

I then called milestone credit card company. I was told this account was sold to XXXX but was bought back in XXXX because the account was closed due to fraud and was taking off my credit report and the account was closed. 

The law office of velo law said they served me in XXXX. Which I was not served for this.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

While I was in another state Someone made a fraudulent Charge using my debit card numbers. They made two identical purchases for {$140.00} before Wells Fargo declined them from making Three more purchases at the same gas station. I called and reported the fraudulent purchases two days later when they showed up on my account. The charges were even still pending for more than two days, and I reported them as fraudulent when they were still pending charges. I am still in possession of the card and have proof by multiple eyewitnesses that I was in another state. My bank determined that they were not fraudulent, even though they had proof and even the bank itself had denied those other attempts for the same amount. Wells Fargo is not willing to admit their failures and refund my stolen money.
Consumer complaint received 2024-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My mortgage payment is fully amortize. taxes and insurance included in payment. Year after year the lender disburses the payment for the property taxes and for the fire insurance. These payments are collected from me every month and are placed in an escrow account. However, this year, I received a phone call from XXXX XXXXXXXX XXXX stating they had not received the payment from Select Portofolio Servicing. Before the insurance expired and due the the failure of Select Portofolio Servicing in making the payment, I went on line and made the payment directly to California XXXX plan. 
Now i received a bill from and insurance company called XXXX XXXX XXXX XXXX for {$1000.00} dollars that was placed by Select Portofolio Servicing. 
This is dishonest and unacceptable. NOT ONLY SELECT PORTOFOLIO SERVICING FAILED TO MAKE THE PAYMENT BUT THEY NOW PLACED A COMPANY WITHOUT THE NECESSITY WHEN I MADE THE PAYMENT DIRECTLY TO CXXXX XXXX XXXX DUE TO THEIR FAILURE TO PAY THE INSURANCE COMPANY.
Consumer complaint received 2023-11-09
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. 

XXXX XXXX XXXX, XXXX XXXX