davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

to me 6 days agoDetails To whom thus may concern, This is to advise you that the company, Santander bank, NA, did not address my concern in the least. I had requested that they consider my request that I pay them $ XXXX until all my mtge arrears had been paid up and it was never replied to by either their attorney nor their mortserv person whom I had contacted when this arrears issue first arose. Note, my mtge payment had been deducted from wife 's checking account monthly until I, not my wife, declared bankruptcy last XXXX, 2015. - then they stopped making direct withdrawals from her account. I had been instructed to contact their point of contact office and did so several times. They sent me a packet of forms to fill out, including my financials, reasons why I felt that I should be granted a mtge modification and was told to include any documentation relevant to this case. I did so and received a very perfunctory reply from them which you wrote to me that they sent to me/ you? on XXXX, after their underwriting team took a few weeks to consider my request -- namely that I was turned down due to " item # XXXX '', which, a few pages into their reply, explained that this was due to the fact that my residence was a co-op! 
I then decided to file with your agency and have been receiving annoying calls from the bank almost daily. When I speak to a rep, it 's always the same thing -- badgering me when/ if I can pay, asking me if I can borrow from a friend or relative, can I liquidate any XXXX I may have, etc., never any discussion about my proposed installment plan. 
note, my initial complaint with them was NEVER resolved. I had asked them to forgive the approx {$930.00} they tacked on to my 2 months mtge payments which are in arrears, for legal fees ( {$820.00} ), + late fees and inspection fees for an additional approx {$100.00}, due to the fact that it was THEY who stopped my payments from being received and the fact that XXXX XXXX XXXX, Santander 's attny, never got back to me to resolve this issue nor to address my request for an installment payment way back in XXXX of last year, despite both my and my attorney 's trying to resolve this issue with her. 
And as for their telling me in their explanation what they have done or will do to solve my problem, they have done neither, just a very tersely worded account stating that since my home us a co-op, that I was not eligible for a loan modification, which is NOT even what I was requesting.p in the first place. All I was requesting was for them to accept my installment plan and to forgive that addtnl {$930.00} they added due to their malfeasance.. 
I do greatly appreciate your allowing me to firstly file my complaint with your bureau and secondly, to dispute my bank 's reply. Thanking you for your time given this matter, I am, Yours truly, XXXX 
Incidentally, I hit the DISPUTE BUTTON BUT IT KEEPS ON SHOWING " SUBMITTING '' Reply Forward
Consumer complaint received 2022-10-10
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. (IN)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX
Consumer complaint received 2022-10-10
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. (IN)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ XXXX XXXX
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

the accounts in question were found on my most recent credit report where i found them reporting incorrectly : XXXX XXXX Account # XXXX Date Opened XXXX XXXX, XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX Date Opened XXXX XXXX, XXXX Balance {$3300.00} XXXX XXXX XXXX XXXX, XXXX By mail Only XXXX XXXX XXXX XXXX XXXX LENDING Account # XXXX Date Opened XXXX XXXX, XXXX Balance {$930.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$650.00} XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-07-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (CA)

Hello, I am fighting this collection due to the false payments that they say have not been made my account has been active with no late payments or any problems but now there has been problems they are saying due to late payments Ive paid my bill constantly they have switched my payments to two accounts and I only have one credit card they have never told me via phone any past due payments as I would have paid they say they sent letters but I never received and yet and still I call them and they don't say I owe anything to them they have been charging me interest and late payments over and over again throughout these months and I am not paying interest on anything I did not know of and spoke with representatives several times and NOTHING was mentioned. 

please remove this off of my credit!
Consumer complaint received 2015-07-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I am currently sick, receiving only a percentage of my salary through a XXXX policy. Because of my illness and lack of funds, my checking account became overdrawn. Santander bank has charged me XXXX overdraft fees in the amount of {$35.00} each, for a total of {$350.00}. I called Santander bank and they agreed to remove only XXXX of the XXXX overdraft fees. This is an outrageous punt of money and it is discriminatory and predatory against someone with a XXXX.
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (NV)

In accordance with 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 : XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account XXXX Account Number : XXXX XXXXXXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account NumberXXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX. Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years. 
15 USC 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 2021-10-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I was under the pandemic relief program. In the beginning of XXXX I had spoken to my mortgage company and I was told that I need XXXX to submit a loan modification form online. This was when the issues started. I had made mistakes on the form so I allowed the form reset itself after 7 days because the form would not allow for changes I did not finish it. The modification form was very unuser friendly. 

I again tried to redo the form and the same thing happened. Then one day I get a call from someone else at the company and he saw that there was no way to go back and fix mistakes on the form. He told me that he was going to cancel the request and advises me that I would have to wait several days to log back in and try again. 

I waited several days and logged back in. Thats when I found that this man did not in fact cancel the request but instead submitted the form with the incorrect information. Numerous phone calls to my dedicated loan specialist went unanswered and no return calls. We are now almost to the end of my pandemic relief protection and I am no closer to an answer as to what my next step. I feel like USAA is purposely making this difficult in order for them to take my home. 

I can afford to make my regular monthly payments however, I can not afford the amount due from the times of the pandemic relief. How is that relief if they continue to rack up past payment? I am a single mother with XXXX and this stress is causing me major anxiety attacks because I am I. Fear of losing my home. I am a 100 % XXXX veteran and went with USAA because they claim to be for military and veterans.
Consumer complaint received 2022-02-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2023-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINEX Group LLC (CA)

I received a phone call from Finex Group LLC stating that I owe a debt on towing charges for a vehicle that I sold in XXXX. I let them know that I sold the car in XXXX and that I am not responsible for the debt owed as I submitted a release of liability form with the CA DMV at the time of sale. The car was found on a property in XXXX and I was notified by the local sheriffs department that the car was found. After a phone call with the CA DMV and Sheriffs Department, I was told I did not have any responsibility for the towing charges associated with the vehicle and that they will contact the buyer that I sold the car to in XXXX. ( The car was sold one more time after I sold it and both owners failed to register the vehicle ). The buyer that I sold the car to didnt have an address and refused to provide me an address, so the DMV advised that I list Transient on the release of liability to clear me of liability and it was successfully processed. Fast forward to XX/XX/XXXX. The employee that I spoke to at Finex Group LLC, XXXX, aggressively belittled me and argued saying that its my fault and responsibility for this debt even though the DMV and Sheriffs Department already cleared me of this responsibility. She asked me if I cared about my the negative impact this will put on my credit if I dont pay, which is a clear violation of the FDCPA. In addition, she stated that This debt is indisputable so [ you ] might as well get an attorney before I was even sent a letter and given a chance to dispute and investigate the debt that is not mine. This seems like an illegal and unfair attempt to collect a debt. Furthermore, I never received a bill or was ever contacted by the original towing company and had no idea of the charges. I filed a dispute with Finex Group LLC and they immediately invalidated my claim. Finex Group LLC used aggressive scare tactics and threatened a negative credit report if I didnt set up a payment plan that day for a debt that is not my responsibility and I would like this resolved as soon as possible.
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 

*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIOXXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2022, I contacted XXXX XXXX customer service to discuss a transaction. While speaking to them, it appears the phone call was hacked into, and a man who identified himself as a customer service rep started asking questions about my profile for identification purposes. When he asked about my Bank of America accounts, I became concerned when he went into details about my balances. The man first XXXX {$1400.00} out of my XXXX account ending in XXXX. When I noticed the transaction, I could not stop it, or able to log out of the account myself. I then restarted my cellphone and immediately called Bank of America. As he tried sending a second transaction for {$1900.00}, as I was already on the phone talking to a Bank of America customer service rep who was able to stop in right on time. The man had also withdrawn {$990.00} from my personal checking account ending in XXXX, using my XXXX profile. I then contacted Bank of America fraud department and filed claim # XXXX. After months of waiting, Bank of America stated they were able to resolve the transaction for {$990.00} but not the transaction for {$1400.00} as I was not able to prove I did not purposely send the money myself. This is infuriating because they have proved that I called them on time to stop the second withdrawal attempt of {$1900.00}, and the one for {$990.00}. Both transactions from the account ending in XXXX were made by the same person, same email address, and almost simultaneously. I was forced to close and reopen new accounts. I have been a loyal Bank of America customer for 20 years. This is what I get from them. I am a hard-working XXXX XXXX XXXX who is constantly risking his life for his family. This is how Bank of America values my loyalty. So, I ask you to please help me.
Consumer complaint received 2018-07-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I mailed letters to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on my credit report. THey are supposed to respond with the results within 30 days. I received my responses from XXXX and XXXX XXXX weeks ago, but I have still yet to receive anything in the mail from Equifax.
Consumer complaint received 2018-07-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES (OK)

While preparing for pre-mobilization to XXXX I was alerted that my student loans were passed due. I contacted Great Lakes on XX/XX/XXXX and informed them that I was leaving for XXXX in a week and that I needed to defer my student loan payments. I was told that I needed to mail a hard copy of my military orders to a XXXX XXXX along with my account number in order to defer my payments and it would be of no issue. I mailed a copy of my orders once I hit XXXX and assumed all was fine. I received no other communications regarding the issue after my original conversation. Upon checking my credit score I noticed my student loans had gone into default and were sent to a collection agency. I tried making contact with Great Lakes and the referred me to XXXX Consumer Services. The latter did not have any information for me and informed me on XX/XX/XXXX that my account had been forwarded to XXXX XXXX XXXX, XXXX. I have not been able to get any information on how to remedy my student loans being defaulted while I am receiving hostile fire pay since I am XXXX in XXXX and I know that I am protected under USSERA to avoid these things.
Consumer complaint received 2018-07-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

XXXX XXXX DECREASE CREDIT LIMIT BY {$300.00} AFTER REVIEWING INFORMATION FROM EQUIFAX. THE REASON FOR THE DECREASE INCLUDE THE FOLLOWING LISTED *NO USABLE REAL ESTATE ACCOUNTS ( I DONT HAVE TO HAVE A HOME LOAN FOR A CREDIT CARD ).

*NO BANKCARD ACCOUNTS WITH A VALID CREDIT AMOUNT ( THERE IS A BANKCARD ON FILE WITH A VALID CREDIT AMOUNT ) THE FOLLOWING LISTED SEEM TO BE A DISCRIMINATION AGAINST ME. I HAVE ALWAYS PAID ACCOUNT ON TIME, THERE ARE NO LATES LISTED ON ACCOUNT. I REQUEST TO HAVE THE ORIGINAL LIMIT BACK TO {$500.00}
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Resurgent Capital Services L.P. (CA)

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

LVNV FUNDING LLC XXXX, XXXX
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I have an account with CapitalOne, my account has been frozen ( for verification reason ) and I did not receive communication/notification about that. As a result of frozen status founds have been returned to sender ( XXXX XXXX, I have been been dealing for many days trying to get the founds sent to another account or getting a formal / physical latter from capital one that account is no longer frozen. 

Had I had been notified about the frozen block, I would have resolved the situation and received founds. It's $ XXXX that's been blocked which has been affecting my family very much since I'm the only breadwinner and I only receive founds via XXXX.
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HANCOCK WHITNEY BANK (LA)

I went to the bank with my paperwork trying to get a loan for a mortgage. The lady ( XXXX XXXX ) helped me. I went to the class for first-time homebuyers. I gave her my information showing I had taken the class. I found out my paperwork was never processed. She made her own decision to determine I wasn't qualified to purchase a home. She made me pay for a credit bureau report but she held on to my paperwork. I called and asked her to send my paperwork back and she never responded until I sent an email to her supervisor. # XXXX XXXX XXXX AVP Community Lending Specialist XXXX XXXX XXXX NMLS # XXXX XXXX XXXX XXXX XXXX, LA XXXX Thank you, XXXX XXXX XXXX, XXXX. 

My name is XXXX XXXX XXXX, XXXX. 
I can be reached at XXXX email : XXXX XXXX
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (NJ)

The XXXX XXXX XXXX XXXX credit card has been paid off sense XXXXXXXX XXXX XXXXXXXX XXXX XXXX has yet to update the credit bureau is accurate information showing the card with a XXXX balance. I have requested a dispute with Equifax. After the dispute was complete in early XX/XX/2023, their results were XXXX XXXX is reporting there is a maxed out balance on the credit card at the time of the dispute. I reopen the dispute. The results for a second time were XXXX XXXX is reporting there is a maxed out balance on the credit card. I called XXXX XXXX to inquire and request a fix about the issue. XXXX XXXX stated they show no balance on the credit card and would report the fix to Equifax. It has now been more than a week, and the issue still has not been resolved. According to XXXX XXXX, the issue would be resolved as of XX/XX/2023. It has not. This issue is impacted my credit as I am in the process of moving.