davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

I originally took a loan from Santander on XXXX XXXX, 2012 in the amount of {$29000.00}. The loan was for 6 years ( 72 months ) at {$790.00} per month. To date I have made a total of XXXX payments, which totals {$24000.00}, and only {$4100.00} has been applied to the principal. With all the payments that I have made {$20000.00} has been take for interest and only {$4100.00} applied to principal. At this rate I will be paying this loan for another 20 years before it would be payoff. 
I spoke to a Santander agent to get some clarity on why so little of my payments where being applied to the principle, the answer I was given was that is how Santander calculates there payments. There is something unfair about the why payments are being calculated. A great example of this is my payments for XX/XX/XXXX and XX/XX/XXXX of this year, both payments were made on time, but my entire payment for XX/XX/XXXX, {$790.00}, was applied only to interest nothing went to the principle. How is that possible? This can not be fair practice, if payments are being made on time and nothing is going towards the principle of the loan, something is wrong. 
I have made 31 of the 72 payments of this loan which is % XXXX of the total loan payments agreed upon, yet I have % XXXX ( {$25000.00} ) of the principle left to pay. There is a great injustice in this. 
I would like Santander to correct this account ( XXXX ) so that the principal remaining reflect that 31 payments of {$24000.00} has been made.
Consumer complaint received 2015-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I received a credit report from Equifax which states I have a level of delinquency on accounts! To my knowledge i have not had any delinquencies!!! I would like this corrected. I am planning on buying a house pretty soon! 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Hello, On ( XX/XX/2017 / {$640.00} ), CAPITAL ONE BANK added a derogatory mark on my credit report per XXXX The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mined. 
According to the FCRA, CAPITAL ONE BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately. 

I am respectful, experiencing Hardship / Relief via The CARES Act is LAW. Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with. 
XXXX and XXXX have removed this dispute. XXXX ( Refuse ) to remove from my credit report.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX is continuing to to show that I was late back in XXXX of 2018 when in fact, I was not. I submitted the payment before the account would be considered 30 days past due. However because of the payment cycles, XXXX applied the payment to the following month, instead of making the payment to current month that I originally made the payment. I have called this institution several times, and all they could do is send me statements. Even though XXXX is the CREDITOR they cannon change the information that the CREDITOR provided. Even when I disputed with the credit bureaus, Equifax, XXXX  and XXXX kept saying that the information was verified. So if the information was verified, and in fact not 30 days past due, then why is it still showing up on my credit report? This is my frustration.
Consumer complaint received 2016-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (GA)

After long hold times, I was able to make a payment by phone on XXXX/XXXX/2016 for my XXXX mortgage payment. I received a confirmation number for same-day payment. I saw the bank draft on XXXX/XXXX/2016 on my account. Statebridge credited my account on XXXX/XXXX/2016 and charged a late fee. My payment on XXXX/XXXX/2016 also included an additional amount towards the principal. This amount shows as " credit '' and as of XXXX/XXXX/2016 has not been applied to the principal. In summary, Statebridge charged a late fee even if the payment was not late ( I have a recording as proof ) as well as avoided to deduct the additional principal amount towards my mortgage.
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft and their is unauthorized and fraudulent credit accounts and inquiries listed on my Equifax credit report. The following credit accounts and inquiries listed are fraudulent : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX.
Consumer complaint received 2016-08-09
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

XXXX and XXXX, Wife and Husband, true and lawful Attorney-in-Fact XXXX trade name XXXX has been in contact with BANK OF AMERICA , N.A . ESCALATION DEPARTMENT at XXXX or XXXX or XXXX, and BANK OF AMERICA , N.A . FORECLOSURE DEPARTMENT at XXXX since Tuesday, XXXX XXXX XXXX until Monday, XXXX XXXX, XXXX and has spoken to XXXX ( XXXX ), XXXX ( XXXX ), XXXX, XXXX, XXXX ( XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, SUPERVISOR XXXX ( XXXX ), XXXX, XXXX ( XXXX ), XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX during this duration of a little over a month, and THEY all stated that according to BANA 's records, BANA has put the foreclosure on hold since XXXX XXXX, XXXX, and there is no foreclosure sale scheduled. 
So if that is true, then why did XXXX just find out that someone without BANA 's knowledge is attempting to hold a public auction on Tuesday, XXXX XXXX, XXXX ( open " First Attachment '' ), when there is an " Amended Notice of Pendency of Action '' filed and recorded with the EXECUTIVE ADMINISTRATIVE BRANCH OFFICE OF THE FEDERATED STATE OF HAWAI'I DEPARTMENT OF LAND & NATURAL RESOURCES BUREAU OF CONVEYANCES on XXXX XXXX, XXXX, giving " CONSTRUCTIVE NOTICE '' to the world that there is a " QUIET TITLE CIVIL ACTION '' suit actively pending. ( open " Second Attachment '' ). 
How is that possible anyway, when a foreclosure of a Mortgage may not be brought by one who has no title to it. XXXX. 
Its apparently obvious that BANA 's left hand does n't know what BANA 's right hand is doing or BANA does know about this attempted public auction, and is still knowingly and intentionally practicing deceptive and unfair acts and practices??? 
( 1 ) Lawyers can be " debt collectors '' under the FDCPA even if they are engaged in litigation activity. XXXX ( XXXX ) ; XXXX ( XXXX ) ( addressing what it means to be " regularly '' engaged in collection of debts ). 
( 2 ) Even if your law firm is a limited liability company, the owner of the firm may be directly liable under the FDCPA. XXXX ( XXXX ). 
( 3 ) Debt buyer directly liable under FDCPA if it engages in collection activity. See XXXX ( XXXX ). 
( 4 ) Debt buyer may be vicariously liable if principal-agent relationship exists. XXXX ( XXXX ). 
( 5 ) Debt buyer almost always vicariously liable for their attorney 's conduct. XXXX ( XXXX ) ( " Congress intended the actions of an attorney to be imputed to the client on whose behalf they were taken. " ) ; see also XXXX ( XXXX ) ( debt collection company can be vicariously liable for actions of collection attorney ). 
( 6 ) XXXX ( XXXX ) - letter case. " ... a debt collector may be held vicariously liable for the actions of a second debt collector working as an agent of the first, regardless of whether that second debt collector is an attorney. ''
Consumer complaint received 2021-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NY)

EQUIFAX has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that EQUIFAX HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - EQUIFAX are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. EQUIFAX is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.
Consumer complaint received 2015-09-02
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: National Enterprise Systems, Inc. (MI)

Had a call from a debt collection agency by the name National Enterprise. This rep/so called manager " XXXX XXXX, Ph. XXXX EXT. XXXX " was so rude and very unprofessional. He intimated that he was calling on behalf of XXXX XXXX and that, my loan is delinquent. I told him, l was currently unemployed and looking for a job and as soon as l find one, l will resume my payments. This guy will not listen to simple explanation! He proceeded to obtain information about my wife. What she does for a living etc, and if l have a XXXX to draw from to pay the debt? He went on to threaten me that, if l do n't pay the debt, l will find myself in a " tight spot ''. I had to finally hung up but he proceeded with few more calls to my home thereafter. Are there no laws protecting citizens who owe student loans anymore? What type of society do we live in now?
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Follow up complaint COMPLAINT ID XXXX On XX/XX/XXXX BOA single-handed decided to close my two accounts without notice. 

Today is XX/XX/XXXX, the funds have not been received. BOA has really bad services, their customer associate changes their narrative every time I call in. 

On XX/XX/XXXX, I received a photocopy of my checks. I called BOA and they promised to send out a new check. On XX/XX/XXXX BOA stated that the new check will be mailed out in 15 business days. On XX/XX/XXXX. BOA said they are not gon na send the check to me and I HAVE to wait until XX/XX/XXXX in order to receive a new check. 

This is unacceptable and I urgently need to use the money to buy my first home.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I have attached documentation. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. Later, XXXX had another leak related to a XXXX account which gave away my information again. I have attached documentation. Several accounts were opened in my name as well as several inquiries. I disputed the following inquiries and the company responded saying that inquiries had to be addressed directly with the creditor. I mailed each creditor and did not receive a response. I found incorrect information on my credit file and I disputed this directly with the creditor and the credit reporting agency and no investigation was ever made. I followed the rules under the Fair Credit Reporting Act and this agency has not honored my right to dispute the following inquires : AN # 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 AN # XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NV)

I requested my free annual credit report through XXXX. All of the credit reporting agencies provided me with my report except Equifax. When I got to the Equifax site, their website crashed. I called the following day, XXXX/XXXX/XXXX and explained what happened. They tried to sell me a credit report. I refused, insisting that they must provide me one free of charge. The representative took my information and said I would be mailed a credit report within 30 days. I never received this. I called again on XXXX XXXX, XXXX and was again denied my free credit report because their system shows that they gave me one in XXXX of XXXX. This is a scam designed to force consumers to pay for the credit report that by law they are entitled to once per year.
Consumer complaint received 2015-06-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANKUNITED, NATIONAL ASSOCIATION (VA)

I XXXX XXXX I got a mortgage with PMI from BankUnited, XXXX. At that time I received the Federal Truth-in-lending disclosure and the PMI was set to {$370.00} for the XXXX XXXX payments and to {$67.00} for the next XXXX payments, and no PMI thereafter. 
In XXXX XXXX the PMI increased to {$410.00}. BankUnited did n't send any notification. In XXXX XXXX I noticed a very small decrease XXXX to {$410.00} XXXX, again without receiving any notification. 
Every year, in XXXX, after receiving the escrow account statement, I inquired about these PMI changes calling the bank. I spoke with several representatives asking about the PMI change and the reason for this change, but it seemed they did n't have the knowledge or responsibility to provide an answer. Every time after these phone calls, I was told to expect to be contacted by someone else from another department, but only thing that happened was to receive courtesy letters with the conditions to drop the PMI, totally not related with what I asked about. 
This year I insisted more and I got to talk to a representative that explained to me there 's another company that charge this PMI and she will contact this company asking for the answers for me. I called back few times and I was told that the PMI company did n't reply. 
It 's been three months since I 've started this endeavor this year and still no explanation. I called back XXXX about XXXX weeks ago and the representative told me she would follow-up with them ... again. I still have n't received any call back. 
I had XXXX loan modifications during these years, in XXXX and XXXX, but the new documents did n't contain anything regarding the PMI and there was no new document added that mentioned the change in PMI. Moreover, the dates when the PMI changed were not related to the dates the loan modifications occurred. I was told also during the discussions I had with the bank 's representative that the PMI was n't affected by the new loan conditions.
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

This is my response to my formal complaint, and ask you to investigate the business practices of Equifax. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
They have no verifiable proof ( an original consumer contract with my signature on it ) to verify that the account belonged to me the first time they reported the account on my credit report. My ID has been stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX XXXX , XXXX XXXX ( XXXX ). Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Equifax failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts and persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed.
Consumer complaint received 2022-09-07
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)

I recently obtain a copy of my credit report from XXXX, XXXX, Experian and XXXX is being reported as a negative public record on my credit profile. I contact the CRA 's to disputed such derogatory information and was advise that they did very the information to be accurate from XXXX XXXX. Therefore, the information of such allegedly bankruptcy will remain. I then contact XXXX XXXX who assured me in form of letter to my address on file stating information for XXXX XXXX has been unverifiable and was already removed from my public records. If XXXX XXXX did not provide this information, that means the CRA has lied and is in violation of my consumer protected rights when they publish this information on my credit report. Violation # 1 Pursuant to 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy Violation # 2 Pursuant to 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction The credit reporting agencies ( XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX continue to report these items on my profile. 
Experian DID NOT DO PROPER INVESTIGATION and ALSO FAILED TO REMOVE the NEGATIVE PUBLIC RECORDS WHICH DOES NOT BELONG ON MY REPORT
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (MD)

see complaint #  XXXX  when I logged into my account it indicates the the complaint was closed and settled with monetary settlement that 's not true , Well 's Fargo  agreeing to pay 2 months of fees ( {$41 0.00} ) after  stealing 4 years of fees is unexceptable complaint #  XXXX  states th at Well 's Fargo lin ked my credit card to my checking account therefore when an overdraft happened the y ( Wells Fargo ) wou ld move {$45.00} from my credit, apply {$20.00} to the overdraft and pay themselves {$25.00} in fees running up a total of approximately {$19000.00} in fees. I never consented to this overdraft protection nor did I consent to linking my credit card to my personal checking account. The  Enforcement Action  of     XX/XX/XXXX /16    directed well 's  Fargo to  compensate consumers for opening accounts without their consent or permission. This is no compensation, I w ant Well 's Fargo  to refund all fees associated with this overdraft I have c ontacted Well 's Fargo  and they refuse to compensate me through the enforcement action. We ca n't really expect them to police themselves, they have to be made to do so. They open an account without my permission run up fees, pay themself. We ( We ll 's Fargo  and I ) ca n't resolve this therefore I need help from CFPB
Consumer complaint received 2016-08-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Southwestern Investors Group, LLC (NV)

Southwestern Investors Group llc and XXXX XXXX who was recruited by Southwestern Investors Group llc has been threatening to file a lawsuit against me and also have me taken to jail for possession over stolen property when I never stole anything. This is over a game stop card I could n't pay. XXXX XXXX has many complaints from other people saying they told them similar things about being thrown in jail. I feel jeopardized that Southwestern gave my information to this company. XXXX XXXX claimed to be lawyers which they are n't. Southwestern acknowledged recruiting these people to basically threaten me with jail. I have been depressed, anxious and scared. Southwestern also said they are not a debt collector ( which they are ) and are merely a debt purchasing company.
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

On  XXXX   XXXX   2017 , my paychec k ( direct deposit ) {$1300.00} was transferred to my ( adult ) daughter 's account without my permission. I was told by the bank that my daughter added me to her account as a joint owner. I never gave Navy Fed  eral CU authorization to add me nor did I sign any agreement. In order to be eligible to open an account with Navy Federal, you need to be related to a member. I gave her my information so that she would qualify but not to be added to her account. When she signed up, she provided my info and the account was set up incorrectly. I spoke with two different supervisors and my daughter went in to the bank in the city she lives in and spoke with a branch manager. The y all said the same thing, they could not return the funds to my account because I was responsible for her account. I explained to a supervisor named  XXXX  that I had not given authorization to be added to her account and her response was " you should not have given your daughter your information. '' I am unsure of what I could do have this issue corrected.
Consumer complaint received 2016-09-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My back account was close because of fraud activity they did not do any investigation at all. So they just close my back account I do n't have any idea what happened I would like this to be fix and clear my name they said I deposit a check that was no good I do n't use check so I want to my local police department to file a police report I do n't know who would do this but I need to get this right.