davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-12
Product: Credit card — 
Issue: Payoff process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I opened a Credit card account with Santander in XXXX and took a Promo Balance Transfer of {$4500.00}. I also did some purchases and keeps on paying all by purchases in full plus any fee and minimum payment on Balance Transfer. According to guidelines, the payments that I am making should be first applied to Fee & Interest then higher APR bucket. But, they apply payments to my Promo Balance transfer which does n't clear my Purchase balance and then apply Interest on my Purchases. 

I would like to explain this based on my XXXX 2016 and XXXX 2016 statements, which I will be attaching. In XXXX, I made {$4500.00} in Balance Transfer, XXXX in Purchases and {$130.00} BT fee and paid {$700.00} in payments even before statement is generated. 

In XXXX 2016, statement I have payments of {$1100.00} which is made before my XXXX Statement Due Date of XXXX XXXX 2016. Based on these payments, my Purchases and Interest & Fees of XXXX XXXX should be cleared and minimum payment on Balance Transfer should be covered. But, since they applied good chunk of payments to Promo Balance Transfer, Purchases are not cleared and it is rolling over and charging me interest on purchases in each statement. 

Now, its an ongoing issue as I am still making payments higher than purchases, but it is not clearing total Purchase balance. I have contacted them multiple times but they just keep on stating there same policy documents. I have even asked for written explanation of methos the payments have been applied, but they have denied it twice asking me to refer to card opening documents. According to me, they are not following there policy of applying payments to higher APR balance.
Consumer complaint received 2018-05-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (MA)

I was recently contacted by a collection agency. 

I asked for verification of the debt and no was sent. I then received several additional mailings, but no verification of the debt. 

They are obligated to send me information so I can further investigate who is terrorizing me. This has happened several times in the past and I am now concerned that they respond to my verification request by going away for a few years. Then they make another attempt. 

They need to stop this trolling behavior. 

What can your organization do to help?
Consumer complaint received 2016-04-15
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (NC)

I am a XXXX veteran who has never been in trouble with the law, always did the right thing, always paid my bills on time so why am I being treated this badly with no recourse by GM Financial? A year ago, I leased a GM Encore for my wife whom is a XXXX. After the first year we decided to get a XXXX XXXX van ; because we needed to use her XXXX ; and the little car was not helping with that ; so we traded the leased vehicle in. XXXX XXXX of XXXX bent over backwards to make this happen. On XX/XX/XXXX they purchased my XXXX XXXX outright and sold me the XXXX XXXX. The Encore was payed off that day. My payoff was good until XX/XX/XXXX. On XX/XX/XXXX my car payment was taken out of my bank account anyway. I had Auto draft. I immediately contacted GM Financial and was told that they did receive the payoff, but they did not know whom to title the car to and that they needed a mileage statement to complete the transaction. I passed this onto XXXX XXXX. On XX/XX/XXXX I again contacted GM and was told that on XX/XX/XXXX they authorized my refund of my car payment and that it will be in the mail the next business day. On the XXXX of XXXX I called again, this time I was told that they had 30 days to get me my money. On the XXXX of XXXX I called them again and after going through all the verification that I am whom I say I am ( this included my phone #, address, etc, I was told that they did mail it out but to XXXX XXXX XXXX not XXXX XXXX XXXX, which is where I have lived since my XXXX from the military XX/XX/XXXX. The owners of XXXX XXXX XXXX stated that they did not receive any mail for me. So I asked XXXX ( GM Representative ) if the check had been cashed and he stated that it had not been cashed. He then stated and I quote " We will OVERNIGHT you a new check, void the old check, and you should have your money in 3 to 5 days ''. Needless to say it is XX/XX/XXXX and I still have not received anything. I have not received a pay raise in 8 years and am struggling trying to make ends meet. My wife and I are raising our Granddaughter as our own plus my own adult daughter has moved back home. I just need some help. Had I been late one day with my car payment, I would have had to pay a late charge, but God knows how much interest they have made using my money and the countless other people they are doing this to. Is there no justice left?
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The credit line account was closed, and I did not receive the proper disclosure nor did I authorize a credit pull which resulted in the company closing the account. Per a phone call with representative XXXX, on XX/XX/XXXX, an uncertified letter was mailed on XX/XX/XXXX after a risk review was completed. The risk credit review determined that my account was closed due to too many balances, and utilization. XXXX also confirmed that the XXXX payment was due on XX/XX/XXXX, {$50.00} was received on XX/XX/XXXX, the statement closing date was XX/XX/XXXX and the account was closed on XX/XX/XXXX. The minimum payment had been met, so " non-payment '' was not the reason for account closure. 

XX/XX/XXXX - Billing Error Notice and exhibits were mailed to XXXX XXXXXXXX XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Credit Department Phone number XXXX, XXXX XXXX  ( collections rep ) contacted me for payment, noted billing error dispute details, and confirmed that they would continue reporting to the CRA despite receiving the billing error notice. XXXX  attempted to transfer me to the credit department but the numbers and transfer attempts allegedly did not work. 

XXXX A representative contacted me for payment and said that a bankruptcy request was submitted but can not be processed due to my needing a lawyer. Bankruptcy was never filed on my end or my account, therefore I feel that my personal information has been compromised in the company 's database, and will proceed with an FTC report. The rep confirmed multiple payments received prior to the account being closed. I requested all full/unaltered documentation of disclosures and my authorization to random risk reviews ( credit pull ) from the rep XXXX along with the notice that was mailed to my address regarding account closure due to a risk review. XXXX explained that because my personal information is on file BOFA has the right to run a risk review at any given time when there is suspicion of a risk. She was unable to provide the risk reason or trigger for the random risk review. I was then transferred to XXXX who was unable to locate any notices/risk review disclosures and advised me to file a complaint about the missing documents. The complaint was submitted by XXXX, and the confirmation number is XXXX. I notified the company that I would not like to receive any calls unless it is to discuss and resolve the billing error dispute and invalid submission for a bankruptcy filing. 

XXXX Billing error notices were mailed again to : Bofa Billing Inquiry Dept XXXX XXXX XXXX XXXX XXXX XXXX Delivered XX/XX/XXXX Billing ( Mistakes ) Rights Dept USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Delivered XXXX/XXXX/XXXX As of today XX/XX/XXXX there still has not been a resolution to the abovementioned concerns.
Consumer complaint received 2021-10-22
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

on XX/XX/2021 I received notification from my Credit Reporting company that someone applied for a credit card with Capital one using my name, social security and birthday and this lowered my score by 9 points and will stay on my report for 60-90 days. I contacted the credit reporting company and the credit card company to file a fraud report
Consumer complaint received 2021-11-11
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: Santander Consumer USA Holdings Inc. (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CHRYSLERCAP Account Number : XXXX This is not mine.
Consumer complaint received 2018-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

Over 30 days ago I noticed a withdrawal from my HSBC account. Someone wired money from my account to another account in Illinois. I contacted my account and they were able to get a hold of the other bank and stop the distribution of my money. I have now waited over 30 days for the amount of {$400.00} plus a {$35.00} service charge to be put back in my account. It takes over an hour to sit on hold waiting on someone from the fraud department to get on the phone and when I do no seems to know when I'm getting my money or what is going on.
Consumer complaint received 2017-03-21
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I wrote and mailed a check for {$200.00} which was stolen from a mailbox and altered to read {$2000.00} and deposited or cashed without being endorsed by someone other than the payee and not at my bank. I discovered this within 24 hours of the check being deposited/cashed and filed a fraud claim with my bank. Thirty-five days have passed and the funds have not been restored to my account and my bank so far is not taking responsibility. In addition, the clearing of the check put my account into a significant overdrawn position of {$1500.00}. While I elected overdraft protection on the account I was surprised that my bank would honor a check which overdrew the account by that much.
Consumer complaint received 2017-02-02
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company (PA)

XX/XX/2016 we were contacted by Freedom Mortgage stating we were pre approved for re-financing our current FHA loan. They stated that we qualified based on fha guidelines and that we would not be denied. We worked with them for 4 months and finally after XXXX loan processor changes and multiple hard inquiries on our credit history, it was submitted to underwriting. It was denied. They stated the reasoning for the denial as not enough funds to cover closing ( we had over {$2000.00} in escrow from our current loan, as well as money saved aside for closing ). They also stated we had to many past due or delinquent accounts on our credit. ( they knew of this XX/XX/XXXX as we had conversations about it but they said it was n't an issue since our mortgage was n't past due ever ). They also stated that FHA guidelines that pre approved us and qualified us were not in place anymore due to new administration and laws passed since the presidential change.
Consumer complaint received 2018-05-10
Product: Credit card or prepaid 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 (OR)

Capitol One Transaction Support Center XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Account Number : XXXXXXXX XXXX Case Number : XXXX Reference : Erroneous Billing of {$88.00} to be credited back showing the final balance as XXXX. 
Dear Transaction Support Center Manager I am in receipt of my Master card bill as well as your letter dated XX/XX/XXXX. Copy attached I have my version of explanation against yours : 1-Lets say I made a purchase in the amounts as shown on Exhibit # 1 with my Capitol One Card 2-Due to an issue with my purchase I called Capitol One to dispute the charge.

3-Capitol one representative after talking to me called the merchant directly and I received the credits directly from the merchant, eliminating any Capitol One credits as Claimed by Capitol One Evil Genius Hence there is no upfront advancing the money to give me any credits. 
The Exhibit # 1 shows the details that no Capitol One credits were given during my transaction. 
Method # B to prove that your claim of upfront advancing the money is fraudulent : 4-Suppose Capitol One gave me a credit of {$88.00} plus {$4.00} check?? I dont know why? ( Ex # 2 ) I dont know where the surplus came from? nad again yet a demand for {$88.00} 5-Then my account balance should be money available to me of {$88.00} ( after the dust settles ) but it never happened and shows a fraud of {$88.00}. I was very cautious in restricting or stopping all transactions on Capitol One card, which I will close as soon as I settle this matter.

Capitol one is a FRAUD BANK and I will report them to Federal Agencies to take action and shut them down.I need immediate resolution and clearing my account showing XXXX balance and close my account as of today. 
Regards -- XXXX XXXX, XXXX - XXXX XXXX XXXX State of Oregon CC :
Consumer complaint received 2018-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

Wire transfers in the amount of {$4100.00} was wired by Wells Fargo Bank to XXXX XXXX XXXX on behalf of a known fraudster known as XXXX XXXX XXXX XXXX XXXX. These wires were made between XX/XX/XXXX to XX/XX/XXXX. Several attempts were made by me between XX/XX/XXXX through XX/XX/XXXX to recover the funds directly from XXXX XXXX XXXX. On XX/XX/XXXX I requested a wire recall directly from Wells Fargo, no satisfaction has been made to date. 

A complaint by me has also been filed through your organization against XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (MD)

I was issued a refund check back in XX/XX/XXXX for a vehicle accident that took place, after being put at fault for this accident that I did not because I was told that I was to schedule receive a refund check for a reimbursement to get another vehicle. The check was delivered in XX/XX/XXXX to my previous address, this check was then stolen, and my name was fraudulently forged and misspelled on the back and this check that was cashed in XX/XX/XXXX at a Wells Fargo atm machine, the next day it shows that the funds were approved and released. Who verified the names match the account and released the money before further investigating? 

After filing several complaints, and police reports, and speaking with multiple individuals to get this rectified, I finally received a fraud statement claimant on XX/XX/XXXX, I was told this would take approximately 90 business days before this was settled. 

Today 's date is XX/XX/XXXX, the 90-business day period has now passed, and every time I reach out for an update I am still being told that this is still in " progress '' status. Nobody can tell me anything else or when I should expect my payment from XXXX. I was informed that no response has been given from Wells Fargo to any of the banks in correspondence to get this resolved or if the funds will be recovered.
Consumer complaint received 2016-04-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

Recently I closed my checking account with U.S Bank. I have only kept my credit card open. Before closing my checking account, I had XXXX accounts open, a checking account, a savings account, a line of credit ( that I was able to use if I ever needed and whenever I had insufficient funds in my checking account ), and the credit card, which is still open. Last week, I received a letter from U.S bank saying that a transaction of {$87.00} had been debited from my closed checking account. I went to the nearest U.S Bank account and they refused to explain to me why this was happening. They just told me that if I did n't pay the amount that I would be sent to collection for this amount.
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (FL)

I have written letters to XXXX XXXX letting them know that this vehicle loan was opened fraudulently and is not mine. This account is showing up on my credit report and is not mine and no credit agency is taking it off no matter what I have told them about account being opened fraudulently. I had advised XXXX XXXX that I request that they provide evidence that I must pay XXXX  in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XX/XX/1933 under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ).
Consumer complaint received 2015-06-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Unlimited Progress Corp (IL)

I am repeatedly being harassed by phone for debt collection I do not owe. I have been called numerous times for debt collection of different people I do not know nor have lived at this residence. Some examples ; XXXX XXXX, XXXX XXXX or XXXX, etc. I have asked on every occasion where I have been home to answer the calls that my number be removed. Each time I am " assured '' that the calls will stop. However, the next day the calls will start again. The calls will be for a new person that owes money. This company is listed as Credit Discount and Audit Company. The number listed is XXXX.
Consumer complaint received 2022-11-04
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: Experian Information Solutions Inc. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2023-06-03
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. (NC)

In accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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. This is ILLEGAL. I'm asking that all accounts be permanently deleted from my credit report. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing inaccuracies on all of these accounts. Multiple laws have been broken a few are listed below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i. Because of all of these additional infractions I request permanent deletion of all of the listed accounts.
Consumer complaint received 2018-05-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

1. USAA is attempting to enforce a lien on a debt that they accelerated and cancelled. They are actively foreclosing on my home on the cancelled debt. I submitted a complaint to the CFPB, and they asked for 60 days to investigate. My home would be foreclosed by the end of that 60 days, so they are dual tracking which is not in compliance with the DOJ. 

2. They transferred the servicing of this loan to XXXX, giving the impression that they are the primary lien holder and giving the impression that the debt is valid. I submitted another complaint on both XXXX and USAA for this action for trying to collect a cancelled debt. My court date for the foreclosure is still set for XX/XX/XXXX, while both servicers still contend to the CFPB that they need time to investigate my complaints. Once again, I am in jeopardy of losing my home before that time expires. 

3. XXXX has just attempted a practice that you just recently imposed a $ XXXX for. They have threatened to impose forced place insurance on my home, add that expense to the canceled debt which is not valid, and I have an active and current policy. 

I have uploaded XXXX letter, a copy of my policy, and a statement showing that my policy is current.
Consumer complaint received 2018-04-20
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. (CA)

They are showing inquiries that are not authorized nor have permissible purpose, nor have written authorization for the following Inquiries. 

1- XXXX XXXX XXXX XX/XX/XXXX 2- XXXX XXXX XXXX XX/XX/XXXX 3- XXXX XXXX XXXX XX/XX/XXXX 4- XXXX XXXX XXXX XX/XX/XXXX 5- XXXX XXXX XXXX XX/XX/XXXX 6- XXXX XXXX   XX/XX/XXXX