davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ME)

Based on information I received indicating that Equifax 's credit freeze website was not entirely secure, I called Equifax to request that a credit freeze be placed on my account. I was told that, in fact, I could not have a credit freeze put on my account via phone. Instead, I was directed to the Equifax website and told that the only way I could put a credit freeze on my account was to go to the website. I told the customer service rep that I did not want to use the website and did not trust the website. No change. I asked to speak with a supervisor and was told that one would not be available for another 15 minutes. I said I would wait. About a minute later, the same rep came back on the line and said that the supervisor had told him to tell me that the Equifax website was fine and that I had no other options. I asked whether I could still speak to the supervisor and the customer service rep told me he was " very busy '' and would not be available for quite some time. 

I find Equifax 's response to what is a massive security breach to be callous, at best. They created this problem. They are in no place to be dictating how we try to fix it. Both XXXX and XXXX allow credit freezes to be put on a file via phone. When I called Equifax 's line, they said that I could not do so. This is completely unacceptable and only serving to put additional barriers in the way of people who want to take the necessary steps to protect themselves.
Consumer complaint received 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Selene Holdings LLC (NY)

XX/XX/2023 Email & US Certified Mail From : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Email : XXXX Tel : XXXX Selene Finance LP, XXXX XXXX XXXX, XXXX, PA XXXX, To Whom It May Concern, LOAN NUMBER XXXX I am writing to express my profound disappointment and concern regarding the handling of my loan modification application, which has been pending for over six months. Today, after waiting an extensive period, I was informed that my application was not eligible based on the income-to-debt ratio. The lack of transparency, communication during the underwriting process ( there were zero communication ) and detailed explanation from your representative left me in a state of confusion and distress. 
It is imperative for customers like myself to have clarity and a comprehensive understanding of any decisions made concerning our financial standings, especially when we entrust institutions like Selene Finance with such crucial matters. The absence of detailed feedback makes it challenging for me to identify areas of improvement or to even rectify the situation. 
Therefore, I hereby submit my formal request to appeal the decision on my loan modification application. I urge Selene Finance to review my application comprehensively, and I am willing to provide any further information or documentation that may be required to support my appeal. 
In the spirit of fairness and transparency, I anticipate that Selene Finance will undertake a thorough review of my appeal and provide a detailed rationale for any decision made. Efficient communication and customer-centricity are vital attributes for financial institutions, and I hope my concerns are addressed promptly. 
Thank you for your immediate attention to this matter. I eagerly await your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-10-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OR)

my agent sent in her authorization with the ss info of both of us, and US Bank required HER ss number as well. She wrote it on the auth, and NOW they won't speak to her, they say they need her Company 's info, which is a bunch of nonsense. They are doing everything to foreclose on me and won't speak to my agent even though she's followed all the rules. We have an offer in and are attempting to get the foreclosure sale date postponed. The US Bank rep was XXXX XXXX # XXXX.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLIANT CREDIT UNION (IL)

Today I received a letter from XXXX XXXX at Alliant Credit Union stating that they would be closing my Visa account ending XXXX on XX/XX/XXXX due to alleged " suspicious and frivolous dispute activity '' and " nonadherence to merchant return policies '' without providing evidence or prior warning. I attempted to reach XXXX XXXX at the telephone number provided, but reached a representative who would only identify herself as " XXXX XXXX '' who told me she could not connect me to him. 

I spend over {$100000.00} annually on this credit card and am meticulous about disputing transactions when merchants fail to provide merchandise as advertised. 

I believe this closure may be in retaliation for CFPB complaint XXXX.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC. (PA)

My son was a longtime customer of Santander. We came to deposit {$30000.00} into his account and he wanted to add me, his mother, to his account as a joint owner. Bank rep and manager refused to provide this service to us " because I was born in former XXXX XXXX. '' Long time ago, in XXXX, plus we are both citizens of the USA for 30+ years and live in PA all of this time, my son served in the XXXX XXXX XXXX I am employed in financial institution for 20 years. This is a clear case of discrimination based on birthplace. After that my son closed all his accounts at the Santander bank. Very much upsetting case, not in best practice of US businesses.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (PA)

XXXX XXXX The universal requisites, at a minimum, include adhering to any and all applicable federal and state statutes, regulations, and standards which is required to ensure that the involved entities each have the correct policies and procedures in place to document their confirmed certifiable compliant reporting process even to the mandates to adhere to the XXXX XXXX data-filled field formatted reporting standards, of which no omitting nor deviations from the aforementioned standards can exist without jeopardizing the claimed data 's integrity calling into question its ethical and or lawful retaining of the very conditional privilege to report complete, true, accurate, physically proven data. THIS OFFICIAL CONSUMER COMPLAINT is my compliance-based contesting of the accusers reporting privilege related to any negativity accused versus me. In this, accept my challenge of you and or the reporter for proof of adequate confirmed reporting process including the mandatorily utilized XXXX XXXX format. 
CLEARLY, INACCURACIES CANT BE CERTIFIABLY COMPLIANT! 
XXXX GM FINANCIAL Account number XXXX XXXXXXXX XXXX Type Detail : Reason : XXXX Account Type : Reason : MISSING INFO XXXX Credit Limit : Reason : XXXX Highest Credit/Original Loan Amount Reason : MISSING INFO XXXX Terms Duration : Reason : MISSING XXXX Scheduled Monthly Payment Amount : Reason : XXXX Account Status : Reason : Not accurate XXXX Comments : Reason : XXXX Compliance Condition Code : Reason : MISSING INFO
Consumer complaint received 2024-04-03
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: EQUIFAX, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY (GA)

I had a wells Fargo auto loan with my husband but I was the primary on the account. The car was repossessed without any notification. Wells Fargo was recently fined for improper repossession of vehicles. The reports I read described what happened to me but I never heard anything from them. I want my account to be reviewed to ensure I am eligible to be included.
Consumer complaint received 2018-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Hello, I just called XXXX regarding late fees that are still being applied to my account. My initial concern was that when i was with XXXX they allowed me to pay my payments by splitting it by 1/2 due on the XXXX and remaining 1/2 due at the XXXX. I attempted to do this with SLS but their system was unable to process these types of payments which resulted in me having to call in monthly to have my 2 payments combined to be applied to what was currently due. I this this for a few years. Recently ( ~XX/XX/2018 I started making just 1 payment monthly as they noted so that I would no longer incur any fees or have my partial payments applied to principal erroneously ) and I am still getting late fees incurred. In my recent conversation today, they noted that it appeared i was still behind, but based off my history of paying twice monthly and now recently monthly on the same dates, i fail to see where and how i could be behind. In the past, when i have called, they noted that they see where some XXXX payments were applied to principal. I advised this should never have occurred and thought all prior misapplied funds were applied accurately. I need help to fix this since late fees are continuously being applied and i refuse to pay them until this gets cleared up.
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

On XX/XX/XXXX, I made the minimum monthly payment due XX/XX/XXXX of {$620.00}. I have ten different subgroups within this loan. I pay extra on 2 of the ten loans due to interest rates, so the due dates tend to be pushed back further than then rest of the groups. 

On XX/XX/XXXX, I logged into Nelnet to make my extra payments on those two loans and noticed my account shows I still owe {$430.00}. When I drilled down into my loans, Nelnet allocated my XX/XX/XXXX payment towards only 4 of the 8 subgroups, thus pushing back the due date for those loans to XXXX of XXXX yet keeping the remaining 4 subgroups due on XX/XX/XXXX. 

On XX/XX/XXXX, I called Nelnet during my workday and waited on hold for over 2 hours to be connected with a representative, XXXX. The representative had no explanation as to why this happened or how. Their only suggestion was to " file a form '' to reallocate the payment. There is no tracking number or work ID number for me to reference if I have to call back in on this. I was then told that it was a 3-4 week process to correct this mistake from Nelnet, which puts me right at the due date of the payment I already made. 

Due to Nelnet 's incompetence and negligence, this would increase my monthly payment from the {$620.00} ( which was already paid ) to {$1000.00} if I want to make sure I don't have a late payment and accrued interest on my record. 

This is completely unacceptable to require borrowers to take hours out of their workday to try to correct Nelnet 's mistake only to receive no solution and no way to track that the conversation actually happened. The service level is obscene when people 's credit, budgets, and interest accrual are on the line. I have no faith in this financial institution to correct this problem moving forward. 

I would like my payment reallocated in a timely manner ( within one business week ) and I would like all interest frozen while Nelnet works to correct their mistake.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY ()

Good afternoon, on XX/XX/XXXX, our company made a payment of XXXX USD ( XXXX ) it was sent through a correspondent XXXX XXXX XXXX XXXX XXXX, XXXX XXXX to an intermediary bank WELLS FARGO BANK, N.A., New YORK. According to the XXXX XXXX, the payment was delayed by WELLS FARGO BANK, N.A., XXXX XXXX XXXX XXXX XXXX. These receipts are attached. Date of receipt..... : XXXX XXXX XXXX XXXX XXXX : The text of the message... XXXX XXXX // XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  The refund is always made via the reverse chain of banks, i.e XXXX through American banks. Due to the US blocking sanctions imposed on XXXX XXXX XX/XX/XXXX and the termination of settlements with XXXX in the USA , our payment was blocked. After the bank blocked it, a recommendation was made to contact OFAC to obtain a License to unblock the payment. We applied for a license and it was assigned the registration number XXXX XXXX, it was received on XXXX, and it was assigned the case number in XXXX. After that, on XX/XX/XXXX, a Sanctions and Licensing Officer from the Licensing Department of the Office for Control of Foreign Assets contacted us and asked if we wanted to return this money back or send it to the recipient 's bank, which is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to which he was given the answer that the money should be sent to the final recipient this payment. From that very moment, i.e. from XX/XX/XXXX to the present day, our payment has not been returned to the sender 's bank and has not been delivered to the recipient 's bank. We would like to ask you for help to find out where our payment is at the moment and tried to send it to the recipient. Thank you in advance
Consumer complaint received 2023-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

We have been the victim of unauthorized credit card charges by people/companies that were never given permission to do so ( theft ) for which we reported these issues to the special Citizens Bank XXXX XXXX XXXX who promptly closed our card and told us theyd reissue a new one, causing us major inconvenience. However even though we are supposed to get provisional credit right away due to these thefts ( backed up by complaints to law enforcement ), the cheap, miserly, and dishonest bank is not issuing these provisional credits even though we timely reported them and now its been weeks. The case numbers are XXXX for at least {$2500.00} if not more, and case nos XXXX XXXX XXXX for {$650.00} plus. Please urgently investigate and advise.
Consumer complaint received 2023-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion, Please see below and attached - there was a fraudulent hard credit inquiry pulled due to identity theft that needs to be removed as soon as possible : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harpeth Financial Services, LLC (GA)

Advance financial is the original debtor who turned me over to a collection agency called XXXX XXXX XXXX, XXXX. The balance is XXXX. The agreement was stated that if I paid XXXX they would write off the balance. I did pay the XXXX did not receive anything in writing of the agreement and they continue to hit my credit ever month for the last 8 years. The original debt is 7 years old but the collection agency has 3 years and 24 months. I am asking that this account be closed with good standing and removed from my credit report.
Consumer complaint received 2023-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

All these account on my credit report are fraudulent and anything after XXXX is not mine and people have used my information and SSN number for you name they used so much to much list .Account number 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 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
Consumer complaint received 2023-09-28
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. (NV)

All these account on my credit report are fraudulent and anything after XXXX is not mine and people have used my information and SSN number for you name they used so much to much list .Account number 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 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
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

I called the company to question a suspicious account alert that I received from their automated account alert system ( via text message ). I know the alert ( text message ) was legit and came from the company because it came from the same text phone number that sends ALL of the automated alerts that I setup on this account, but the company basically told me that I'm stupid and the text was a fake and was sent by a fraudster that is trying to trick me into giving the fraudster my account info. That was definitely NOT the case. The text definitely was legit and definitely was from the company, yet the company continued to deny that they sent it ( even though I offered to send a screen shot of the alert/text ) and they refused to discuss my questions and concerns about the alert/text. Instead, DURING THE PHONE CALL THEY LOCKED MY ACCOUNT SO I COULD NOT USE MY CREDIT CARD ANYMORE. When I asked them why they locked my account, they refused to answer. They treated me like a XXXX, even though they verified that I was the account owner. THEY STILL HAVE NOT ANSWERED ANY OF MY QUESTIONS. I WANT DETAILED, THOROUGH EXPLANATIONS FOR THEIR INEXCUSABLE BEHAVIOR.
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/23 : I paid an official XXXX XXXX taxi-cab with my CapitalOne XXXX card for a {$12.00} charge ( XXXX pesos ). The taxi driver confirmed the {$12.00} ( XXXX pesos ) but without my knowldge processed a {$1600.00} charge through another device. He could not provide me with a receipt. As soon as I stepped out of the taxi, I received a confirmation of the charge from CapitalOne asking whether the charge was legitimate or fraudulent. I immediately flagged the charge as " fraudulent '' and initiated a dispute with CapitalOne. By the time I realized the fraud, the taxi had departed. 
XX/XX/23 : I called CapitalOne, explained the details of the fraudulent charge, asked my XXXX to close my card and re-issue a new one. 
XX/XX/23 : I faxed/emailed/mailed via XXXX a letter detailing the fraudulent transaction to CapitalOne. 
XX/XX/23 : CapitalOne denied the dispute and closed the case without details.