davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I submitted an application package to Navy Federal Credit Union for a refinance under a VA loan as I am a Veteran. I submitted my package on XX/XX/2019 and submitted all required documentation through their website. I called on XX/XX/2019 and was informed my loan was still in processing and was told the estimated closing costs would be {$2000.00}. 
After not receiving any further responses, I sent an email on XX/XX/2019 inquiring about status. I was informed on XX/XX/2019 that my package was with underwriting. I called later and left messages with no responses. I then received a letter, dated XX/XX/2019, my application was denied because of : " unable to verify credit references '' and " insufficient cash for transaction ''. I sent a follow-up email asking for clarification but received no response. I am a XXXX working for the XXXX XXXX, made all my payments on time, and do not understand the denial. I do currently have some high balances with XXXX, but these are currently in dispute and I could have provided the background. I am a XXXX veteran who feels I have been discriminated against for some reason. No one even bothered to contact me for any clarifications on their decision.
Consumer complaint received 2022-05-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform youthat there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian failed to comply with the Fair Credit Reporting Act, 15USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I had contacted you a few months ago regarding my banking institution, Santander Bank and at that time I had stopped receiving my bank statements in the mail and there was no way for me to restart receiving them because it was a clerical error and there was no way on my computer to change the status of the statements. I had received a letter from the corporate office of Santander Bank stating that I would start to receive the paper statements but to date I still have not received them. I only had up until XX/XX/XXXX and that is because someone at the bank branch had forwarded them to me. I just realized that I had not gotten any further statements from the bank since that date. I do see that I should have XXXX 's and possibly XXXX 's but did not receive them. 
Then I had another upsetting experience when I went to log onto my account this morning and that was that they had debited {$2000.00} from my account. On Saturday, XX/XX/XXXX I went to the drive through at the Santander XXXX   Branch and cashed an XXXX insurance check for {$65.00} which I am waiting to clear from the bank. So, in checking this morning, I found that from that same branch {$2000.00} had been debited which was an egregious mistake. I spoke to the manager and told him that the teller at the drive through did not seem to know what she was doing and she is obviously the one that made that serious error. I was getting ready to go personally to the branch and call the police when I got there but then the manager called and told me he took care of it and that the teller made a mistake. You can't be making mistakes like this that involves thousands of dollars. My heart is still racing and I have a XXXX XXXX. I did not need this to happen. 
Santander is a very bad financial institution and the only reason why I stay with them is because I pay all my bills through online banking and most importantly my social security gets deposited in that bank. It would be somewhat of a hardship for me at this stage of my life to do this as I just had XXXX XXXX XXXX and other health problems.
Consumer complaint received 2019-12-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have summited a police report identity theft report and a signed notarized affidavit to Bank of America and the Credit Bureaus of a fraudulent account in my name. I have tried call Bank of America to clear this matter but have only been transferred to several department with no clarity of removing this account, I have sent all documents by fax and mail provided by bank of America XXXX XXXX XXXX XXXX az XXXX fax XXXX
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (FL)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/XXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$590.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2019-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (WI)

In XXXX, around XXXX, XXXX husband and I purchased furniture at a local store in XXXX. The furniture stores has a sign that it finances their furniture. We made a purchase and never filled out an application, instead, the gentleman filled out something upon paying after we purchase the furniture. 

We were told that it got approved {$2000.00}, never told us from where the money was coming from. We assumed they were financing. After a few days, we receive a card from Synchrony bank and we have paid the card, even though right now, my husband 's income as a XXXX veteran and i have not worked due to a fall in a XXXX place, and on treatment, we have paid up to now. 
The problem is that I called the bank due to amount no going down, instead has gone up and never comes down. The bank said that it was due to old interest charged back onto the account, since we did not cancel amount of debt in a promotional time allowed. 
We were not told of any promotional time allowed, we were just told to sell us the furniture, that if we paid it in six months or less, we wouldnt pay any interest within that time, but obviously, we could not, and so we continue paying, but it is outrage, how we pay any amount above and beyond and we get charged late fees, interest upon new totals treated as purchases when they are not and interest on top of interest. This is total abuse. We called the bank on friday XXXX XX/XX/XXXX, and they have denied us any information such as contracts etc, instead, they went ahead and closed a credit card account which I never eceived, and entered my credit without authrization to make excuse reasons for closing, in reprisal for my affirmation that I was going to report them to your Agency. And so, saturday, XXXX, I received a letter from the same bank stating that the credit card from XXXX is now closed, but it will not allowed me into the system, because i never got this card. All I had was a statement about being able to shop and so, it never came to pass.
Consumer complaint received 2020-06-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of America has their Trade line name listed on my credit reports as if they have lent something of value to me. Based off of how the Federal Reserve says banks create loans, GAAP and the true substance of the funds, Bank of America has not lent anything to me on the alleged information that they claim to be the " creditor '' on my credit reports. I have tried to have the false and misleading information removed from my reports, but unfortunately they keep saying that it " meets FCRA requirements ''. This note alone is false and misleading. If they are not the actual creditor on the alleged account and can not prove the substance of what the amount they have allegedly lent, then there is no way they are meeting FCRA requirements. The below cases below shows proof that banks do not have the power to be the creditor. 


Case Law A national bank has no power to lend its credit to any person or corporation... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. 

The doctrine of ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked too often. Zinc Carbonate Co. v. First National Bank, 103 Wis 125, 79 NW 229. American Express Co. v. Citizens State Bank, 194 NW 430. 

" It has been settled beyond controversy that a national bank, under federal Law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires... '' Howard & Foster Co. v. Citizens Nat'l Bank of Union, 133 SC 202, 130 SE 759 ( 1926 ).

" It is not within those statutory powers for a national bank, even  though solvent, to lend its credit to another in any of the various ways in which that might be done. '' Federal Intermediate Credit Bank v. L 'Herrison , 33 F 2d 841, 842 ( 1929 ). 

. " ... the bank is allowed to hold money upon personal security ; but it must be money that it loans, not its credit. '' Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case No.12, 642, 1039. 

If any part of the consideration for a promise be illegal, or if there are several considerations for an unseverable promise one of which is illegal, the promise, whether written or oral, is wholly void, as it is impossible to say what part or which one of the considerations induced the promise. Menominee River Co. v. Augustus Spies L & C Co.,147 Wis 559-572 ; 132 NW 1122.
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (NY)

I had a credit card with American Express in XXXX. American Express was debiting my account for payments each month. Without notice, i received a letter from their collection agency stating my account was being handled by their collection department and i had no recourse but to pay the full amount i owed or they are taking me to court. 
After extensive research, i found my rights were violated and American Express used phone calls to threaten me if this debt was not paid in full within a matter of 30 days. 

The debt was handled by an outside collection agency hired by American Express XXXX XXXX  and they filed a civil suit against me in the City Of XXXX XXXX  on XXXX Index number XXXX. 
The attorney representing American Express was XXXX XXXX XXXX Esq. Mail Code XXXX XXXX, NY XXXX. Phone Number : XXXX. 
Due to me not able to retain an attorney or afford one, i had no option but to take their calls. I finally had to settle with the American Express collection agency. 
Later i also found out that American Express did not handle the collection process and it was being handled by an outside agency. 
I would like to see what would be my recourse and if i would also be able to file a complain against the attorney who was constantly calling me with the New York State Bar Association.
Consumer complaint received 2024-03-13
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. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2019-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (TX)

I was notified by your company on XXXX regarding an alleged debt. I do not owe this debt because I possess successfully processed wire-transfer documentation from a financial institution to your client occurring in the 1st Calendar Quarter of 2019 that paid the debt in full. ( XXXX, Reference : XXXXXXXXXXXXXX Trace : XXXXXXX ) I request all of the following information be provided to me by Registered U.S. Postal Service mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation describing debt dispute procedures.

4. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 5. Documentation showing you are licensed to collect debts in Texas. 

I request all of the following action be completed by your company and your client within 45 calendar days of receiving this letter : 1. Removal of my name and email address from any and all of your mailing lists.

2. Removal of this debt collection activity from any and all credit reporting agencies 3. Respond in writing apologizing for this fraudulent activity to me by Registered U.S. Postal Service mail.

Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

Because I have documented proof that this debt was Paid-in-Full at a far previous date through an established financial institution, any action by your company or on behalf of your client to pursue collection will be considered a knowledgeable, willful and malicious scheme to defraud by attempting to collect a non-existent debt utilizing interstate communications through and effecting a financial institution. 

Your activities and those taken in concert with those of your client, constitute an on-going pattern of harassment that has taken place over a period of over 18 months and must stop immediately. I will use any and all legal means to ensure that the lawful penalties for the above-mentioned violations of United States Federal Code are enforced, to include allowable punitive damages. Legal-Liability Company status is nullified in cases of criminal activity.

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification as described above, you will also be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Was trying to get a free credit report from TransUnion, and when I was making an account to get the report, I got charged for a monthly subscription even though there was no indication that I was signing up for one. They did not make it apparent at all that I was purchasing a subscription, and I was unable to find a way to even cancel the subscription.
Consumer complaint received 2020-06-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

The bank is Santander with an office in XXXX, Pa. I have been a customer for 35 years. I have had a HELOC with a maximum draw down of {$200000.00} for many years. ( I do not have a 1rst mortgage with any bank ). As of XXXX, I had an outstanding balance of {$4.00}. When COVID became a risk for me ( I am XXXX and XXXX-compromised ), I quarantined for 2 months in XXXX, where I had been staying when the virus first hit. I had NEVER missed any payments in the past, and believed, wrongly, that a {$4.00} balance outstanding could be managed. This is in fact what happened ; 1- I received two calls from Santander in XXXX or XX/XX/2020 that began with a request for the last 4 digits of my SS #. I am not comfortable giving this type of data by phone to someone I do not know nor can I determine the veracity, and I said so. In both cases, the caller said there was no way to move forward and hung up without relating any information as to the purpose of the calls. 
2- In XX/XX/2020, I returned to XXXX to find a letter from Santander Collections, informing me that my HELOC was closed to any further draw down, and that I was assessed a {$40.00} in late fees. Additionally, Santander reported this to the various credit agencies ( taking my credit score from XXXX to XXXX in one fell swoop ). 
3- I called collections and customer service several times. No matter who I spoke to, the refrain was similar ; we called you twice, you did not pay it, you now owe us 2 months late fees ( i owed a {$4.00} balance ) now adding up to {$40.00}, and we are reporting you to credit bureaus ( {$4.00} balance ). 
4- Since then, I have paid the {$4.00} and zeroed out my HELOC balance. I am in the process of terminating the rest of my relationship with this bank ( I have a checking account that has auto-deposits, to include Social Security, every month ). 
5- What I am seeking ; relieve from the punitive {$40.00} late fees ( charged on a {$4.00} outstanding balance ) and written explanations to the credit bureaus from the bank removing the ding. 
XXXX, Santander should be ashamed with its behavior. {$4.00} outstanding balance, and the bank elected to exact a punitive toll on a long-term ( 35 years ) XXXX senior in the midst of a pandemic. Hard to fathom.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (GA)

Chase allowed a credit card to be opened with a fraudulent address and I noted it on my credit report - opened XX/XX/XXXX despite my credit report being frozen. I contacted them and the account was closed permanently.. On XX/XX/XXXX I sent them a letter as recommended by identity theft.gov and have not heard back from them. ( Chase ). Although the account is closed I have not received written confirmation from JP Morgan Chase .I would also like the know the charges that incurred with the fraudulent card.
Consumer complaint received 2019-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (GA)

In XX/XX/2017, Hurricane Irma destroyed my home in XXXX GA. It has taken over 2 years to rebuild it. I'm still not done but am close to finishing the rebuild. However BB & T is holding and will not release the rest of the money that the insurance company has already paid out. BB & T told me the bank is holding the final {$25000.00} until the house is " 100 % completed ''. But I can not finish the house until I get that remaining {$25000.00}. I only owe about {$50000.00} on the mortgage and have always paid my mortgage payments on time. When the house is completed, it will be worth around {$300000.00}, so it doesn't make sense for BB & T to not pay me to finish the house. BB & T needs to release MY money so the house can be finished!
Consumer complaint received 2019-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC (SC)

Third Request : I am a victim of identity theft and this debt does not belong to me. 
Please see the identity theft report and legal affidavit attached. 

I have also included my attorney on this case again because the collector is violated the fcra laws and is refusing to remove the collection account from my credit reports. 

My attorney below will be handling this case going forward
Consumer complaint received 2019-12-31
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: College Ave Student Loan Servicing, LLC (MS)

XX/XX/2019 was when I got my first bill from XXXX XXXX company. I had a balance of XXXX. I was responsible for making a payment of XXXX dollars originally from College Ave Loans. They told me about making payments each month for 2 years. I was dealing with College Ave Loans when I first sign up with my dad has the co-signer. He was the person that helped me with making the payments. The first time I was making payments toward my private loan i was making current payments until it was sent to a debt collector which was XXXX XXXX XXXX. They told me that I was behind on payments so I had to make the payments that they agree to which was {$180.00} each month. After that, I kept making monthly payments to XX/XX/2019. Then, in XX/XX/2019 I sign onto my website to make a payment to XXXX XXXX XXXX. I noticed my account balance was not correct. It went from {$1100.00} and now back to {$6800.00}. I realized that they had changed they had changed my account number and did not give me a letter to tell me that it was not going to be the same account anymore. So, that is when I decided to call College Ave Loans to tell them that the balance was not correct. College Ave loans did not fix anything that was wrong. They said that it was handle by another third party company. They would not be able to do anything else about that. I realized what they were doing was not legal it was something that they were making false statements about.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

I closed my account with Citi in XXXX of 2019 with the understanding that I had a {$0.00} balance. Out of nowhere I get a ebill showing a {$300.00} balance. A pending charge went through right after closing my account and since this wasnt paid Ive been accruing late fees ever since. I didnt receive any notice of this until here recently. Customer service is only willing to remove one month of late fees even though Ive not received any correspondence up until now. Now we owe {$300.00} for a {$90.00} charge we had no idea was going through when we closed our account.