davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I got a job offer and was sent a check to deposit so i could buy a laptop computer and home office supplies. I deposited the bank check drawn on The XXXX Bank for the amount of {$3900.00} on Thursday XXXX/XXXX/16 into my Santander Bank Account. I was instructed, by my new employer, to withdraw the money as soon as the funds cleared and deposit that money in a XXXX XXXX XXXX account. My employer supplied me with the account number. On Sat XXXX/XXXX/16, I checked with my bank and the funds were cleared and in my account. I withdrew {$3900.00} as directed. ( I was instructed to leave {$50.00} in my account for petty cash. ) I deposited the {$3900.00} into the XXXX XXXX XXXX account. My new employer said the vendor who would be supplying the laptop and home office equipment would take the money from that account to make the purchases. On Monday morning I got a call from my new employer saying that they needed me to deposit another check for {$2000.00} and then I became suspicious. I checked my Santander account and it was showing a negative balance of {$3900.00}.! I went immediately to the branch and spoke with the Branch manager XXXX XXXX. She told me that the bank check was fraudulent and that the funds had not cleared. I was told that the bank clears checks in two days, as a courtesey to their customers. Now truly how what I have known that the funds had not truly been cleared. I saw the funds in my account and assumed as anyone would that these funds are now available. The customer has no way of checking this. Perhaps the bank should put some kind of warning or disclaimer in place letting the customer know that the funds may not have cleared. But to be told by the bank on that it was not cleared ; it was a fraudulent check and on top of that there is nothing the Santander bank can or will do!!!! The bank assumes absolutely no reponsibility I can not believe that I am the first Santander customer who was scammed and I shocked at the Bank 's attitude and lack of customer service!!
Consumer complaint received 2015-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX 2014, I initiated disputes with Experian XXXX and XXXX XXXX regarding the removal of account reporting on my credit reports that did not belong to me. SubsequentlyXXXX and XXXX XXXX proceeded to investigate and found that the information was incorrect and the accounts XXXX XXXX ) in total were deleted from my credit report. Experian Credit Bureau has not investigated my dispute and has not made the changes to my credit report although I have re disputed these entries ; they still have chosen to do nothing. I am requesting for the third time that these fraudulently opened accounts be removed so that my credit report reflects true and accurate information.
Consumer complaint received 2020-10-18
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. (MO)

I have some inquiries listed on my credit reports that was not authorized by me. I never agreed with the listed companies to obtain any information to my credit profile. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2016-10-28
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

Without my knowledge or consent, Ally Financial forced me into electronic billing and requires me to log in to their website in order to see my statements. No notice or statement was sent out for my payment due XX/XX/2016. Based on prior experience, the due date shifts around. Today is the first day in over 60 days I 've received any communication from Ally which was by email, saying I need to log in to see my next statement due in XX/XX/XXXX which will have a late fee. 

When asked for licensing information I was told they do not provide that.
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS 1st TD : XXXX XXXX TD : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX A short sale was started XXXX/XXXX/17 with SPS. In calling for updates we reached XXXX. She stated that the investor will not allow a short sale and the only option for the homeowners to avoid foreclosure is a deed in lieu. We informed them that deed-in-lieus do not work when there is a 2nd TD on the property. XXXX insisted that the second will participate in a deed in lieu and has refused to tell us the name of the investor. 


SPS is lying to us. SPS is refusing to tell us the name of the investor. SPS is only a servicer and they are defrauding their investor and the borrower by insisting that a deed-in-lieu is even a possibility.
Consumer complaint received 2022-02-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I was on forbearance from loosing my job due to Covid and XXXX of 2020 I applied for a loan modification which still today has not been completed or finished, I have made all my payments for the past 5 months after being out of extended forbearance due to them taking for ever to process and do a loan modification, for 6 months I have asked for transaction history report which they do not supply, I have wanted to refinance my loan for the past year and a half for a lower interest rate but low VA rates cant see 6 consecutive payments to do a refinance because XXXX is saying its in forbearance when its not and they also wont supply me with a transaction history report for my payments made all while I am loosing money from not getting a lower interest rate. I also had an opportunity for a grant from state of Michigan to pay for delinquent mortgage but cant use that because XXXX refuses to participate in the program. 3 times a month for past two years I have called and emailed for status update and nothing has happened, for the past year they have escalated my case but still no modification
Consumer complaint received 2018-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (GA)

Hello my name is XXXX XXXX. I have not been with BB & T a full month, and the customer service I have received from their employees has definitely been distasteful. My last encounter I begged the account representative to transfer me over to an supervisor. He refused and threatened to hang up the phone on me. I stated multiple times can you please transfer me to a supervisor. It was when I asked him his name. He only gave me a first name and when I asked well since you wont release last name so that I could reference him in my complaint his employee number or anything to tie me back to him he wouldnt. He went straight to putting me on hold without saying anything and there I waited 10 minutes for a supervisor to pickup the line. Horrible customer service. 

I called BB & T because I was charged 5 overdraft fees. I spent {$15.00} more than I was supposed to but yet I was {$36.00} 5 different times. My account is positive when purchases go through, but I am still being charged overdraft fees, even though im technically not in the negative until the last purchase goes through. This should be illegal and a burden on their Customers.
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I responded to a XXXX % APY, 12 month, offer from capital one by cashing a couple of Checks they had mailed me. The transfer fee amounted to {$210.00} or 3 % of the amount the checks were written for. By the end of the first month in the loan they charged my linked checking account the entire loan amount plus transfer fee. The reason being that autopay was set incorrectly to " pay monthly balance ''. I tried plead with them unsuccessfully. One manager offered to reimburse half the fee. I did not agree.
Consumer complaint received 2018-03-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

I did not know any better, I has a XXXX, but I still had income. 
First it was - I could not get any information about my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX Paid then {$10000.00} Second - XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Paid them {$9500.00} They put a cease and desist on my account. I could not speak to the bank concerning my mortgage at all. The bank would only speak to anyone except an attorney. 

After the first fight I had with XXXX XXXX XXXX and I refused to pay anymore money to them I had to get help. 
XXXX XXXXXXXX XXXX XXXX and they all promised 100 % that I had all that was necessary for a loan modification or some type of workout because I had income. 
It never happened. my home was put in to foreclosure with a sale date. 
I finally got into my account and now I submitted documents to be considered for a modification. I get a pension and I have a job. I don't know what went on when I had no communication concerning my account, but I am asking that Carrington will allow me to get everything they need before they put another foreclosure sale date on my home. 
Thank You.
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

I tried to let them know that I had a student loan since I worked as a XXXX I had forbearance and they went on and counted the amount of days on forbearance as late payments and the account changes to another account then it changed to another company but they are all on my credit and it states closed but still appears on my account Now it has a new name XXXX or something like that and there it is again with the same Quantity I do not know how that can be affecting my credit.Then there 's a company called XXXX that is charging me an amount for XXXX single phone I had there is a current lawsuit against this company because of selling out private information about its clients and then the clients getting charged for services that at that time the type of phone I had was not capable for such things like internet TV XXXX XXXX did not even had cable back then.Sports and other cable channels.This Phone was a simple phone that I could barely read my email.How about this XXXX telling me I owe them money when I have XXXX and I pay every month what ever I owe them I get billed but in my credit report it tells me I owe an amount how would they have XXXX accounts.I think my ex husband used my credit and brought a phone with XXXX and tried to pin it on me.Far as I know I closed my account with XXXX and I think he might have opened a XXXX account because I do not even live in the same city these bills are coming from.I owe under XXXX and I am getting a Poor credit report I do n't even think that 's fair I know people that have XXXX in student loans and they have great credit they are behind there loans because like me they have applied for forbearance.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

What happened is I wrote several letters to the credit reporting agencies XXXX and XXXX and Trans Union and I sent them a copy of my government identification and I requested a copy of my credit report from each of them. They all never responded and none of them ever sent me a copy of my credit report.
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing an negative collection field on my credit report by XXXX XXXX Tax Lien for 2015. Tax lien was originally sent to old address. Recently it was forwarded to my new addressed via USPS. I immediately called XXXX XXXX Tax collector and paid the tax lien the day I was notified and requested they update address as I was not receiving tax bill. The representative I spoke with confirmed they had old addressed and would be sending out new docs with correct address, which I completed. He also confirmed that they did not report this to my credit, as account is now paid in full ( Removed tax lien, paid in full ). However, this is now showing up as public record/tax lien on my credit reports. Tax collector advise to dispute the 2015 reporting specifically with credit reporting as they are not reporting it. I am disputing this 2015 tax lien collection as account is paid, and tax lien should be removed as it in not accurate information reporting.
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (IA)

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with XXXX. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Consumer complaint received 2020-10-18
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. (GA)

Experian did not investigate an account on my credit profile for XXXX XXXX XXXX and Dept OF EDUCATION/XXXXthis is not my accountand I have never had an account with them.
Consumer complaint received 2018-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX is reporting this account from XXXX on my credit report from XXXX Ive disputed this account several times and still in the process. Ill attach this information from the credit bureaus it says its paid plus it has a different amount. I asked this company to send me the proper verification, documents my signature proving this is my account. Section 609 of the FCRA requires this.
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (WA)

I applied for the US Bank XXXX XXXX Visa card in XXXX of 2015. This resulted in a hard credit inquiry on my credit history, as well as paying the {$75.00} annual fee. After paying my annual fee I was supposed to have access to the " bonus award night exclusively for card members '' benefit. On XXXX XXXX 2015, less than XXXX months since I had initially applied for and received the credit card, I received an email stating that this benefit was being removed.
Consumer complaint received 2016-12-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Transfinancial Companies, Inc (LA)

XXXX is reporting on my XXXX as multiple accounts when all these accounts was discharged in bankruptcy. I want them to remove these. I have called them on multiple accounts to only get they ca n't do anything about it
Consumer complaint received 2016-03-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAVALRY INVESTMENTS, LLC (TX)

I was a co-signer on an auto loan purchased XX/XX/XXXX and financed through XXXX XXXX XXXX. Shortly afterwards XX/XX/XXXX Tropical Storm XXXX came through XXXX and flooded the vehicle. The owner was paying the car note but failed to maintain full coverage insurance on the vehicle because it was not being driven and he was going through a temporary hardship, however the car note never failed to be paid. Unfortunately the vehicle was flood during this catastrophic flooding that affected the entire XXXX area and with no insurance the vehicle was picked up by XXXX XXXX XXXX and sold. Years past and that vehicle sat on my credit report for 7 years. XX/XX/XXXX I had a hardship and I filed for Chapter XXXX Bankruptcy when I started my bankruptcy this was not listed on my original credit report pulled by my attorney, therefore it was not listed under my secured payments to be made, however I have just found out that after 10 years this collection company Cavalry Portfolio Services LLC purchased the debt from XXXX XXXX XXXX submitted a claim against my bankruptcy and has been receiving payments. From my understanding as a Co-Signer on the original loan they should not be attempting to collect in my bankruptcy Chapter XXXX. Also this non government collection is over 15 years old. I have called the collection agency and no one will speak to me or assist me in answering my questions. I get attitudes from management and they talk to me as if I ca n't do anything about this and then they hang the phone up in my face. I have heard chuckles in the background when I call as if I am a joke and who cares. I need help please. I wholeheartedly believe based on all the rules and laws I have read about my bankruptcy this company has broken the law. They have missed the statue of limitation for suit, why is it that they can claim against my bankruptcy after so many years and still remain on my credit report. Even the attachment I have included stated that they will not report to credit agencies however they are reporting to Credit Bureaus ... ... .Please, Please Help Me.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Remove all Unrecognized, Incorrect fraudulent addresses, this is the only address I have [ XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ] also shown on my ID for proof There should only be one address listed on my report. Ive enclosed documentation providing proof of current address to make deletion easier. 
Also, the Incorrect spelling of my name needs to be removed from my consumer report this is how my name is spelled [ XXXX XXXX ] my name only has one correct spelling My photo ID is enclosed to show the correct spelling.
Consumer complaint received 2016-04-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

I submitted a loan application to Carrington Mortgage Services LLC XX/XX/XXXX. The loan officer was XXXX XXXX. Originally, he was very helpful even though I have fair credit score, and began the loan process stating that he had a XXXX % loan approval rating. After about a month of me asking him questions, because I have never had a loan before and do n't know how things work, he stopped answering my emails. Prior to this time, he had asked questions about XXXX my partners XXXX and XXXX. Finally, XX/XX/XXXX, he called my partner and stated that he did not like the " tone '' of our emails to him and stated that he was our only hope for a loan and that he was considering not helping us. This came from out of the blue. Following this phone call, he has not taken any of our repeated telephone calls or answered the numerous emails which we sent to him. We asked him specifically if he had a problem with the fact that We are a XXXX couple or the XXXX that my partner suffers, XXXX XXXX declined to answer. It is now XX/XX/XXXX and we have heard nothing from Carrington Mortgage or XXXX XXXX in regards to our loan application. It is our belief that XXXX XXXX has stopped working on getting us a loan because of our sexuality and my partners XXXX.
Consumer complaint received 2015-12-06
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NC)

Original complaint number is XXXX submitted XX/XX/XXXX. Since my last complaint I have received most of the information that I needed including loss mitigations options. Which resulted in me now being in the second month of a three month trial modification. However there is still a least one concern that I have that I still ca n't seem to get a clear answer form Caliber Home Loans on, on or aboutXXXXXXXX I sent a " Request for Information '' letter Caliber Homes requesting Corporate Resolutions, Power of Attorney, etc.. Since then I have received a whole packet of the same information that I have received in the past. I am requesting more in debt information that includes from whom, where and when these people where given the authority to transfer the " Deed of Trust ''. XXXX name that we are concerned about is XXXX " XXXX XXXX '' ( XXXX XXXX ). This name appears on " Assignment Of Deed Of Trust '' dated XX/XX/XXXX and filed in North Carolina Register of Deeds office in the County of XXXX on XX/XX/XXXX By XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX with Caliber Home Loans Inc. ( As Attorney in Fact ). My questions to Caliber Homes is ( 1 ) Who was XXXX working for at the time and dates in question? ( 2 ) Does Caliber Homes have in there records a " Certificate of Incumbency '', Corporate Resolution, Power of Attorney, etc. for this person regardless of who they worked for at the time and dates in question? ( 3 ) Will Caliber Home Loans, Inc. forward that information to me ASAP?