davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Last month I called Santander Bank to notify them I was selling my cooperative and my lawyer needed the Stock Certificate and Proprietary lease. The person I speak with on the phone ( a " supervisor named XXXX from Rhode Island ) said she had the document sin the system. I told her the closing was XXXX/XXXX/219 and she told me she put in XXXX/XXXX/2019 for wiggle room so I would receive the documents. I called the next day, spoke to them same person who confirmed everything was all set. My lawyer wanted to speak to the bank representative to ensure the documents are sent to him. He called a couple of days latter, conferenced me in and this supervisor said documents could not be released until the loan is in full. My lawyer and I question such a practice and usually the buyer has a check for the bank at closing. This person ( forgot the name as initially she would not give a name and then when someone in the background told her to make up a name, she XXXX one out ) insisted the HELOC must be paid in full before the transfer documents could be released. The next day I scoured over the contract and could not find where it said the loan must be paid in full before the property could be sold. I does not make sense for a mortgage. I again called Santander and spoke with a supervisor name " XXXX ''. I asked him about the clause about paying in full before I could sell my home and asked him t show me where in the contract this clause is. he had me on hold for 10 minutes, and then said he would call me back. He never did. I Saturday XX/XX/XXXX, I went into the XXXX branch to pay off the HELOC. I was told they do not take payoffs of loans on Saturday 's, only on business days. Due to my work schedule, I could not get to the bank until Friday XX/XX/XXXX. I paid off the loan and asked how long before I get my documents. I was told it takes 3 business days and then the request goes to the back office. The XXXX branch now says they have done everything, and can no longer assist. I called Santander today about my documents. I was told that because I paid with a check and not a cashiers check, I must wait 8 business days before they start processing the release of the documents. Why wasn't I told that when I went into the bank on XXXX XXXXI would have gotten a cashiers check. I was assured it was a 3 day wait. I may lose the sale of my home because of Santander. Where are my Stock certificate and Proprietary lease? I demand that Santander release them asap and over night them to me. My loan is paid off, the checks have cleared. Either Santander lost my documents and is stalling to make excuses and or they have poorly trained people who contradict each other.
Consumer complaint received 2024-05-21
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-05-21
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: EQUIFAX, INC. (TX)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2017-09-08
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. (PR)

I was affected by the 2017 Equifax hack. I checked on the website  and it told me that : "Based on the information provided, we believe that your personal information may have been impacted by this incident."
Consumer complaint received 2023-09-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ENCORE CAPITAL GROUP INC. (TN)

I talked with my representative return the car after it was deemed unreiable, representative stated that i could return and it wouldnt be put on my credit and that he would fix and resell then write off the rest but this was plafce on my credit worthiness
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/year> Dear Experian Credit Reporting Agency, I am writing this complaint to dispute inaccuracies on my credit report related to account XXXX XXXX XXXX  XXXX # XXXXRemove this account for inaccuracy & false reporting because the payment history reflects. XXXX through XXXX ( 120 days ) late on Experian. ok payments XXXX through XXXX for XXXX & Ok payments for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX Delete for inaccuracy because the payment history reflects continue reporting after this account closed on XXXX. Delete this account because the notice of dispute as required within 30 days time-frame from the date of my 1st dispute was received, pursuant to section 623 of the FCRA. Delete this account for inaccuracy because the date last paid on Experian reports XXXX N/A XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX for inaccuracy because the payment history reflects last payment XXXX on Experian. XXXX reports it charged off 60 days late. XXXX reflects nothing. XXXX XXXX XXXX XXXX Delete this account for inaccuracy reporting. Experian is reporting it as a collection past due as of XXXX. XXXX has it reporting as {$0.00} payment history. XXXX has no payment history reporting. I want to bring to your attention that any addresses, phone numbers, email addresses, variations in my name, spelling, initials, and suffixes that differ from the information I am providing are incorrect and should be removed immediately. I do not recognize these discrepancies as accurate. My correct personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Email : XXXX I am aware of the Fair Credit Reporting Act ( FCRA ), particularly Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( C ), which prohibit furnishers from reporting data they know or believe to be inaccurate to a Credit Reporting Agency ( CRA ). As per the FCRA, if a consumer notifies a furnisher of incorrect information, the furnisher is obligated to cease reporting this misinformation. Non-compliance with the FCRA can lead to legal action from the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state governments, or directly from consumers. The FCRA specifies maximum penalties of {$4700.00} per violation for lawsuits initiated by the FTC. The incorrect listings on my credit report have a negative impact on my credit. I am concerned that I may be mistaken for someone else with a similar name in my city or state. It is important to note that these inaccuracies are not reported by other credit bureaus. I prefer to be contacted only via mail or email for any correspondence regarding this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-05-21
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. (TX)

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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-07-17
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX I called and requested to settle the balance on my Old Navy Card Account in order to close it. At that time the balance on the card was {$390.00}. The card had fallen past due because when it was transferred to Barclays, the payment information for automatic payments was not transferred with the account and I moved during this transitional time period. The 90 day settlement amount that was agreed upon during that phone conversation was {$310.00}. I set up automatic payments which were deducted from my checking account on XX/XX/XXXX for {$110.00}, XX/XX/XXXX for {$100.00} and again on XX/XX/XXXX for {$100.00} totaling the {$310.00} well within the 90 day time frame for the settlement amount. After these payments were deducted in accordance with the verbally agreed settlement, they failed to close the account. At this time, the account has been forwarded to collections which has been harassing me for $ XXXX well above the amount that should have been written off in accordance with the settlement that has already been paid out on this account. This amounts to a pyramiding racket of racking up fees upon fees and has left me in complete distrust of this company for their shady credit card practices. The company states they can't do anything about it and that they don't have the settlement on file but they do show records of the payments made for the settlement I discussed on the phone that day.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (CA)

Update re funds from closed Checking account ending in XXXX. This account had an Outstanding balance upwards of {$500.00} prior to closing. The {$200.00} from checking account ending in XXXX ( se formal complaint # XXXX ) was applied to the debt involving former checking account XXXX.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXXXXXX  I attempted to open an " XXXX XXXX '' personal checking account. I submitted my application online and was informed the following : " We're sorry but we're unable to open your Bank of America account ( s ) online. 
However we can help you open your account at a local financial center '' I went to the finance center at XXXX XXXX XXXX, XXXX, TX XXXX and spoke with XXXX to attempt to open my account. XXXX informed me there was a " risk disclosure '' on my account and he would be unable to open the account. He also was unable to provide any additional information and suggested I call XXXX. I called this number and was unable to reach an agent that could help provide more information on why I had a " risk disclosure '' associated with my account. 

I had a very similar experience on XX/XX/XXXX. I opened a checking account online on XX/XX/XXXX and funded the account with a transfer from another checking account. On XX/XX/XXXX I received notice my opening account deposit was unable to be processed and my account would be closed. 

I want to be able to reach someone at bank of america that can provide actual information on why there is a " risk disclosure '' on my account and why both times I have tried to open a checking account, it has not been possible.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

There are errors in my credit profile, which is an unfair treatment towards me. I kindly ask that you examine this problem and make the necessary corrections. I am fed up and tired of these matters, and if there are no updates on my inquiries, I will have to resort to legal means.
Consumer complaint received 2024-08-21
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
Original Creditor : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NV)

I am ka victim of long time identify theft Fraud and all money 's stolen out of my Chase bank account for years finally leaving me penilesd as I tried to dispute all fraud and bills included in only one chapter XXXX in XX/XX/XXXX no chapter XXXX  was ever followed thru yet it's continually reported. Chase never got my money back I paid an extra 2 payments on my car but they said they did not receive them and repossessed my car when I only had 1 late payment after a breaking in entering my home all monies stolen valuables and property damage terrible insurance company looking to find a way to deny my claim not right I've been a fraud victim I've also had 3 mortgages put in my name each on for {$670000.00} thousand dollars and 2 are grad allowed by my mortgage company who denied then yet in 2  we're taking me to foreclosure and the one mortgage I do have with XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX have increased the amount it's completely wrong I need help before they sell my home my phone had to be changed 3 new cell phone 3 computers broken a printer and electricity in the home XXXX XXXX XXXX XXXX XXXX nv XXXX please help me before I lose everything I've worked for I have 2 police reports 16 affidavits of all this. I thought I would be XXXX  when I heard 2 ex roommates say " let 's do whatever it takes to get rid of her and we'll take the house. I was unaware they knew one another they broke in entered destroyed property their names are XXXX XXXX. XXXX and XXXX XXXX XXXX I'm petrified all the time so please investigate bank Chase and XXXX XXXX XXXX   they after XXXX took 10 years off my loan then doubled it they too want to get me to not be able to keep my home I've been in since XX/XX/XXXX please investigate that modified loan not fair harsh not manageable that's why I got roommates because of doubled mortgage thank you for anything you can do I'm also XXXX XXXX XXXX 19 hospitalizations so I need the 10 years back on my mortgage and monthly lowered if u can help if appreciate it very much Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I am trying to rent an apartment and they need to pull my credit via Experian. 

I am unable to log into my account to unfreeze my credit score. I have tried calling and there is no human being available to speak with. I also tried requesting my credit score via Experian to show to my landlord and every time I do that there is a system error.
Consumer complaint received 2024-05-20
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. (GA)

Recently, I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars and interest every month. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am Im asking you to verify as accurate : Account name : XXXX XXXX XXXX  Account number : XXXX Account balance : {$1400.00} DATE XXXX Account term : XXXX
Consumer complaint received 2024-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CT)

I have recently made payments on two loans on Aidvantage that totaled to XXXX on one payment and XXXX on the previous payment. These payments have been reversed without me asking for them to be reversed and the payments have not reflected in my bank account. Now the amount owed is rising due to interest. I have been attempting to make payments and the keep getting reversed. I am filing this complaint to figure out whats going on with my payments and why they keep getting reversed. I need this fixed ASAP.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, after disputing the account in question, which also includes a hard inquiry, I observed several monthly charge-offs. Despite requesting the removal of the account from my report, it was updated but still remains. I am considering taking legal action against the credit bureau. I request the immediate deletion of both the account and the hard inquiry from my credit report.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (MA)

Every dispute since XXXX XX/XX/XXXX  that was won and closed in my favor never added a XXXX  dollar to my available spending credit. They say that it temporarily adds it once a dispute is made, which is incorrect Ive never received a temporary adjusted available credit amount, then they say the money is added to the available credit once the case is decided. Not once has my available credit changed once a case has been won in my favor. You can literally see Apple taking back their cash back amount of XXXX % of the transaction amount disputed but never add the actually won dispute money to my account : there is also instances where a dispute credit has been added and then it will say in my app/ live statement temporary dispute credit adjustment and take the temporary credit away from the balance and available spending. in addition I have been blatantly lied lto regarding the status of my account and what it being noted based on the next rep repeating what the prior supervisior did. I was told they are submitting tickets and complaints to call back the next week and there never having been a ticket or complaint filed. The exec office has been asked to look at why my account is doing this and they closed the investigation with XXXX reasoning given. Literally blank even to the internal people and Im supposed to be notified of the outcome of the investigation and never was in any mode of communication. They also dont randomly select which representative you are transferred to when they want you to give you they send you to a completely different set of supervisors. Your going to say Im crazy but this was told to me by two of their own associates. They have not refunded over XXXX dollars and going line be line its more like over XXXX dollars they have withheld from me
Consumer complaint received 2024-05-20
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. (PA)

There was multiple accounts in my name with XXXX XXXX  that I did not open that was fraudulent. The total balance for all the accounts was {$4000.00}. I noticed this on my credit report and every time. that I disputed with XXXX XXXX they want to take so long getting the job done that they reported back to the Credit borough of being in mines so they can have more time with it because the three credit Credit Bureau Only allow 30 days and they dont allow any more time which is fine with the company XXXX XXXX they taking longer to do the investigation and reporting back to the creditors that the account is mine because it need more time. I just want this removed off of me, mess up and things like that.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I am contacting you because you claimed you to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, This account STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account name : XXXX XXXX XXXX I have previously requested that you investigate this information and have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report.