davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMUNITY FINANCIAL SYSTEM, INC. (NY)

On XX/XX/2021 I made a couple of withdraws at my bank - Community Bank NA, the XXXX NY location. I'd like some information regarding their withdraw policies, as the teller that processed the withdraws gave me some pushback about pulling money out of my account. I explained that I needed the cash so I could pay off two vehicle loans and immediately get a lien release for both from the bank holding my loans. Specifically, she stated that customers should " call ahead to ensure enough cash is on hand for large withdraws ''. Where is that policy authored and available for me to see? This was not a " large '' amount of cash - it was barely over {$10000.00}. I would expect that this is likely a small transaction in XXXX. Also, while she was processing it, she came back to the window asked me what I did for work, to which I replied " collections ''. She then asked what type of collections, to which I replied mostly healthcare. Why is she probing me for my profession? This was not friendly conversation - it was interrogation. I want a copy of the policy that advises the tellers to probe people that are taking money out of their accounts ( I had already provided her with my license ). I received chat follow-up from a " XXXX '' that was not helpful at all. She stated I should contact the local branch for questions related to federal regulations. If they're federal regulations, why wouldn't she be able to provide that info - seems it would apply to every branch in the US.

I want the following done ; *I want to know why I was rudely advised that I should " call ahead to see if there is enough cash on hand to support a withdraw '', as to my knowledge there is no policy requiring customers do this. 

* I want to know the DOLLAR amount that would require me to call ahead to do a withdraw. 

* I want to know why she asked my profession, and once I advised I work in collections, why she needed to follow up with " what type of collections '' before she would continue processing my withdraw
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Bank failed to inform me of over {$6000.00} in fraudulent ATM transactions over 2 months and after my husband 's death. They also failed to investigate the transactions upon my notifying them of the fraud. Rather than following up with the ATM providers they instructed me to call the police. The police have no ability to investigate the claim without the bank 's input and the bank claims to have no ability to provide information.
Consumer complaint received 2021-03-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

I am working with a client that opened a line of credit with XXXX XXXX in XXXX. The servicing was sold to GreenTree in XXXX. I have been able to track down the servicing transfer to GreenTree but have not been able to find anyone to help release this old mortgage. After XXXX, if the loan was sold to another lender/servicer I can not find who last owned it.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2020 XXXX XXXX ran my credit without my consent or knowledge through XXXX XXXX to obtain a copy. I have called multiple times with reference numbers and kept being told they can not find the application unless I give them my social security number. They can not find the application they ran with the reference number they provided for the report I did not approve or had any knowledge of.
Consumer complaint received 2020-07-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Consumer complaint received 2020-07-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Consumer complaint received 2022-04-02
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. (FL)

XXXX XXXX XXXX Account number 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
Consumer complaint received 2018-06-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

On XX/XX/18 Equifax denied me online access to view current credit report WITH current confirmation # for dispute purposes, a violation of the FCRA.
Consumer complaint received 2019-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have 2 Capital One Bank and XXXX XXXX XXXX reporting on my credit report and these accounts do not belong to me. I have written both companies several times and they both fail to send me any type of agreement between me and Capital One Bank. I have been contacting them both for over a year. One account credit limit say XXXX, previous balance is XXXX and new balance is XXXX the other account from Capital One Bank sent two different invoices with the amounts of previous balance XXXX XXXX with a new balance of XXXX with fees and interest charges of XXXX the other invoice that is associated with the same account has a credit limit of XXXX, previous balance of XXXX and new balance of XXXX interest charged XXXX. I have security alerts with the 3 bureaus.
Consumer complaint received 2018-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (VA)

I contacted PHH Mortgage for assistance as I was not working. I completed a request for assistance, sent my life history, the property was appraised. I received a letter saying that I could make a reduced payment of approximately half of my mortgage payment for three months and would then have to resubmit a hardship package and all documents again. I'm not sure how this is helpful. I was told that I didn't qualify for any other programs because of my debt to income ratio. If PHH was to lower my interest rate and helped me with a repayment plan I could afford the mortgage payment. The investor of the loan XXXX XXXX XXXX does not care about homeowners facing a hardship. I'm asking for someone else to review the hardship package submitted again and reconsider offering us a lower interest rate and repayment plan. Also, I have contacted XXXX our single point of contact seven ( 7 ) times and she has not responded to any of the voicemail messages left. I'm not sure I understand how a reduced payment for three months is a viable option to help.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX AUTO : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX VOL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2016-07-01
Product: Credit card — 
Issue: Late fee — 
Company: DISCOVER BANK (FL)

I log into XXXX selected an item to purchase and clicked on type of payment. I have a paypal account that is linked to my bank account. Generally I have a residual balance in my XXXX since I receive payments from family members. Evidently, I clicked on use your XXXX credit thinking it was my residual balance and the next thing I know I get a nasty letter from XXXX saying I have n't made a payment on my account. 
WELL ... ... I never opened a paypal CREDIT ACCOUNT. I have just a regular account that is linked to my bank. So in essence it 's the same as using a paper check but done electronically. This has the advantage of being much easier and secure on the internet. 
I call paypal and they took the amount due XXXX out of my paypal regular account forgave the {$25.00} late fee and closed the account. MY PROBLEM is this reflected in my credit score and history for opening an account I NEVER authorized having a late payment ( which I never have ) and closing an account. This problem is more common that you might think because of the way the " HOW DO YOU WANT TO PAY '' screen. 
I want these transaction removed from my history and XXXX to get their hands slapped.
Consumer complaint received 2016-12-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bridgecrest Acceptance Corporation (SC)

I purchased a car from XXXX XXXX now known as BridgeCrest.. Since having purchased the car in XX/XX/2011, I 've had numerous problems with the car.I have poured at least XXXX into the car for repairs.. I have received harrassing calls, sometimes up to eight calls a day ; When I called to discuss my payments with the representatives they were rude, condescending, and talked over me while in conversation about the details of the car. I have often been threatened to make a payment often leaving my family in difficult situations concerning their basic needs being met. After speaking with one of the representatives she forgot to hang the phone up and I heard her laughing about me struggling to pay {$100.00} that week. She laughed and said, " It is on a XXXX XXXX XXXX ''. Another representative was heard giving her information about what they planned to do with the account and the that the value of the car had been payed off already. In talking to representatives about the account, I would get conflicting information concerning the status of my account. When I made XXXX aware of the problems concerning the condition of the car they said " It is the normal wear and tear of a used vehicle ''. I only drive the car back and forth from work and locally. My fear is that I would be stranded if I were to travel a out of state. It 's getting worse because there is now no workable heating system in the car and we are in the cold weather months. The defogger blows cold air therefore on cold days it is impossible to have a clear view in order to drive. I have been told that there is still a remaining balance of $ XXXX on the vehicle that has to be made by XX/XX/XXXX or the car will be repossessed and will charge off. I have been late with payments because of having to certain income struggles in my family but always continue to make some type of payment. I was sold a lemon of a car, and this is affecting my credit and the opportunity to purchase another more reliable and safer car to drive. Since I have already paid the car off, I want protection from having it repossessed.
Consumer complaint received 2020-07-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (FL)

On XX/XX/2020, I sent American Educational Services ( AES ) a {$23000.00} check to pay off my daughter 's student loan. I received the balance information earlier that day from AES. The check cleared my account on XX/XX/2020. 

I made three telephone calls to AES requesting a letter indicating that the loan was paid off. The first call was on XX/XX/2020 where I was told that I would receive the letter within 7-10 business days. Nothing came in the mail so I called back on XX/XX/2020 and was promised the letter which again never arrived. 

I made another call earlier this month and was told that I would receive the pay-off letter. Unfortunately, the letter that arrived today indicated that only {$4200.00} was paid off and closed. I never received anything pertaining to {$23000.00} which was paid to and cashed by AES. 

I am requesting that AES provide me with documentation that the full loan amount has been paid in full.
Consumer complaint received 2020-07-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

I reached out to the company and ask them to submit signed documents to me about accounts on my credit report. This is a big deal for me. They are suppose to respond in 30 days and its been well over 45 days since ive received anything from a letter that i sent in.
Consumer complaint received 2015-05-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (CA)

I have requested the amount to payoff our mortgage from Seneca Servicing, I have sent them the required paper work 4 times now in over 2 weeks and copied myself as well and I get the attachment but they say they do n't get it so they will not give me the payoff amount. I do n't know what I can do to force them to admit they got the paper work and give me the payoff amount. Please help us as we are seniors and want this debt gone.
Consumer complaint received 2020-07-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I reached out to the company and ask them to submit signed documents to me about accounts on my credit report. This is a big deal for me. They are suppose to respond in 30 days and its been well over 45 days since ive received anything from a letter that i sent in.
Consumer complaint received 2022-09-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: DISCOVER BANK (MO)

I received a copy of my XXXX report. I noticed I have a charged off account with Discover Personal Loans in my name. I never applied for a loan with that company. It was opened XX/XX/2016. With a balance of {$10000.00}. The address they have on file for me is not my address and is not associated to me. I would like this account off my record.
Consumer complaint received 2020-07-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

I have a mortgage with USBANK, due to COVID 19 my daughter lost her job, she is a co owner of the property. 
I made contact with USBANK XX/XX/2020, via email, I requested and obtained forbearance but because the household income is less, XX/XX/2020 sent an email requesting a loan modification : ONE to lower the interest rate, TWO remove the PMI, the property has enough equity ( bought for {$250.00} loan down to {$230000.00}, appraised value in XX/XX/2020{$290000.00} ) No response from USBANK, I sent 3 other emails, XX/XX/2020, XX/XX/2020 requesting the same two things, lower rate and no pmi, that will bring the monthly payment from XXXX to XXXX THAT is a LOT of help, I will be able to make the payments with just one income. 
I got excuses from USBANK, " working from home, short handed, the loan " expert " it is not available, there is a new loan " expert '' working on your case " ... it is XX/XX/2020 ... no activity or help from USBANK. 

Can you help?
Consumer complaint received 2020-07-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I filed a dispute with the credit agencies about inaccurate information on my credit reports! These are hindering me from getting approved for any credit and I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial letter was sent on XX/XX/2020 and the 30 day letter to comply was sent on XX/XX/2020.
Consumer complaint received 2020-07-20
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 (CA)

I charged an airline ticket on my Capital One card. The airline was XXXX and they are located in the XXXX. 
The problem : XXXX sent me an email with my booking and itinerary. The booking, the itineraryeverything, was under the name Mr. XXXX XXXX. I am a female! I could not risk going to the airport and being screened by the TSA with a bogus ticket that did not match my person or my passport. 

I called Capital One and tried to get this mess straightened out. I asked that they cancel the Mr. XXXX XXXX ticket. Nobody knew anything and I wasnt sure if the ticket was cancelled or not. The Capital One representative insisted that all I had to do was dispute the charge. He erroneously stated that the charge would go away, period. ( The Capital One rep was from another country ). 

I had no choice except to purchase a duplicate ticket. This time I used my XXXX XXXX. I would not have purchased a duplicate ticket if the first one ( charged to Capital One ) had been accurate!
Consumer complaint received 2021-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

In XX/XX/2021 I received a letter from Wells Fargo ( holder of my mortgage ) stating that escrow was low and I could either pay the shortage now or have my payments raised. I paid the amount requested in full, {$72.00} on XX/XX/2021. Everything seemed in good order. 

Yesterday, I noticed that Wells Fargo has raised my mortgage cost despite paying in full. The XX/XX/2021, auto withdrawal was {$800.00} ( paid twice per month ) vis-a-vis the authorized amount of {$800.00} ( twice per month ). Granted, the amount is small, but it is the false claim that is the problem. I called to enquire about this new charge and was first greeted by a woman telling me this recorded call was to collect a debt. I have never missed a payment, nor been late, there is no debt. I was transferred numerous times, all Wells Fargo staff acknowledging the full payment for escrow shortage paid but stating cost would rise regardless. This is untrue. I had a conversation with a woman at Wells Fargo when I received the letter, told my home insurance had gone up, and decided I would pay in full rather than see a change in payment. 

I believe they are double-dipping in my escrow account. I was told someone from their executive office would call me, but that has not happened and nothing has been rectified.
Consumer complaint received 2020-08-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (IN)

XXXX XXXX XXXX was my alleged servicer to receive payments on my mortgage. I was in foreclosure and Bankruptcy when XXXX became my servicer and was assigned to XXXX XXXX as my Bankruptcy Account Manager. I asked XXXX on a recorded line who owned my Note and he replied we " don`t know ''. XXXX XXXX XXXX filed a false Assignment of Mortgage in the land records and charged my mortgage account monthly payments late fees, inspection fees and paid attorney fees all to collect payments through fraud for a party they can`t identify. How can a mortgage servicer charge any fees for a party they cant identify
Consumer complaint received 2020-08-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Absolute Resolutions Corp. (NV)

I just got served a summons from XXXX XXXX. This loan had a XXXX balance on my credit report. The summons says I owe this collection company, Absolute Resolutions Investment LLC. The summons says I owe XXXX. I was told XXXX was sued and loans with them didn't have to be paid. Please advise me of my rights. XXXX XXXX email XXXX XXXX