davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I have tried to open an account at Santander Bank and according to the Fair Credit Act, Santander Bank may be subjected to legal action due to Santander Bank procedures not to verify XXXX XXXX report. I,  XXXX XXXX verified with XXXX XXXX and XXXX XXXX of XXXX, that my XXXX XXXX XXXX MISSOURI account is PAID IN FULL IN THE AMOUNT OF {$120.00}. I also spoke with XXXX of XXXX on XX/XX/2018 who transferred me to XXXX speaking interpreter, and stated to take legal action against XXXX, with XXXX XXXX as a Co-defendant.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Seattle Service Bureau, Inc (CO)

I have been trying to get National Service Bureau to remove the collection they are reporting for {$870.00}. I had XXXX Medicaid at the time of the visit which was 100 % covered. I have contacted Medicaid and verified they payments were sent to the hospital. This account shouldn't have gone to collections. I have provided this information to National Service Bureau several times over the last year and they still refuse to remove from my credit report.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

At around XXXX XXXX  on XX/XX/2024, two withdrawals were made from my checking account via ATM at the XXXX location of the Navy Federal Credit Union. I reported these unauthorized withdrawals to NFCU that night and asked that an investigation be conducted to determine who made these withdrawals as my debit card was still in my possession and I had not left the house for that day. On XX/XX/2024, I received an email from NFCU stating denying my claim. No one from NFCU had contacted me to ask questions about my claim and although I asked, no information was provided to show that NFCU actually reviewed the security cameras at the ATM to determine who had made the withdrawals totaling {$480.00}. After I appealed this denial, I received an email on XX/XX/XXXX stating that {$480.00} was going to be placed into my account and that I was to respond to any contact. Then on XX/XX/XXXX, I received another email telling me that my claim had again been denied. No one contacted me to discuss my claim and again, I have no indication that the ATM security cameras were examined. NFCU failed to conduct a thorough and adequate investigation into my claim and because of this I have lost a considerable amount of money which I can not afford to lose.
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (VA)

My house that was owned by my mother and willed to me is in foreclosure and set to be auctioned in XXXX. This is happening even though I have been told that I qualify for and fit into modification guidelines for help. My issue is that Di Tech Financial has failed to conduct any type of review of my financial situation or assign a dedicated account manager to work with me. I had some financial issues in the past but my income and employment is steady and my current wife works as well. We could easily afford a reasonable payment if DiTech Financial were to review us for any of their internal or government programs. This is a conventional fixed rate loan and there should be some type of modification program for XXXX XXXX and XXXX XXXX loans that DiTech could look at. Our problem is that they are passing all of this by and just trying to do a foreclosure sale on my home. My problems with this loan began in XXXX when I was going through a costly divorce. I could not keep up with the payments and fell behind. I contacted the servicer at the time ( Greentree I believe ) and they reviewed my information and told me that I was eligible for a loan modification. I began the process but my ex-wife ( who was listed as co-borrower at the time ) was not cooperative. We fell further behind and then together we decided the best thing to do was reinstate the loan and pay all the past due amounts. We did this and then got the divorce finalized and the house was awarded to me. However, I had a couple of bad seasons which affected my employment and income ( I work as XXXX XXXX/XXXX ) and fell behind on the loan again. I am once again trying to resolve this matter and get considered for some type of assistance but cant get to first base with DiTech. My income is back to where it used to be and my current wife is employed as a XXXX and together we earn sufficient income to qualify for assistance programs. The problem is that Di Tech Financial will not even give us a chance to be considered for retention options, even those that they are required to offer on conventional loans. Instead they have moved to auction our home on XXXX XXXX without even giving us a chance.
Consumer complaint received 2021-09-03
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (MN)

I am a victim of identity theft and I am receiving phone calls of harassment, profane, injurious and abuse language, death threats and threats of being arrested and sent jail and prison from Dynamic Recovery Solutions Representatives for a debt and credit card account from XXXX XXXX XXXX  for {$960.00}. The account and debt is a fraudulent account and debt, and not my account or debt. The account or debt dont belong to me. Its a fraudulent account and debt. Dynamic Recovery Solutions in is infringement and complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NJ)

On XXXX XXXX I received a call from someone saying they are from XXXX and that my services will be disconnected if I don't pay. First it was the minimum of XXXX he said the system wasn't accepting the price that I had to pay XXXX so my service wouldn't be cancel. I called TD bank thet my said its nothing they can do about it.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

equifax, XXXX and XXXX are incorrectly reporting an account that is not mine, I have reached out the past 3 months to the bureaus with no response as of yet. I am currently in the process of filing a law suit with ( XXXX XXXX XXXX XXXX located in XXXX Pennsylvania against the bureaus for negligence.My lawsuit includes will include the following names : XXXX- XXXX XXXX NCAC Operation supervisor XXXX XXXX Vice President and associate General Counsel Equifax-XXXX XXXX Senior vice president enterprise fraud ID theft XXXX XXXX Vice president and group counsel XXXX XXXX XXXX XXXX Corporate Vice president Chief Legal officer XXXX-XXXX XXXX Executive Vice president XXXX XXXX Director fraud and identity management All the following will be named in lawsuit if the following are not removed, This situation has ruined my credit worthiness and prevented me from getting a home. The house my family and I was under contract to buy was sold due to the fact that we could not get this account removed from my credit report.in time before closing. I am extremely upset and will stop at nothing to get this account removed immediately.. If this account is not removed immediately i will continue with my law suit as followed.. The bureaus have failed to provide the proper information in removing this account while also violating the FCRA. Keep in mind that i have already opted out of arbitration. So my grounds to sue are valid. please assist me in removing this account immediately XXXX/XXXX XXXX $ XX/XX/XXXX closed account this account is reporting on all 3 bureaus also address that I dont recognize XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Inquires that were unauthorized XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX members XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Contacted XXXX XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

XXXX Is the original claim number, the complaint was closed, stating that my bank charged back the amount. This was a temporary charge back until the claim was rectified by paypal. I showed documentation of the fraud that was being committed by paypal. It was by using my information as a guest login in order to pay for services that were not received. When i was redirected after paying paypal ( after amount confirmation ) it was re-routed to a donation. I dont know the person that the donation was given, i did not intend to donate anything. I showed documents of me paying for two XXXX XXXX XXXX it is within the original complaint which is stated above. 
My bank provided me with consumer finance since they can not help me since the payment was made through paypal. I have tried countless times to address this with paypal, but they consistently closed my case and are not actually looking at the documented evidence within my case. Similar to what you did ... i provided a confirmation amount for goods. I showed the fraudulent donation page that i was rerouted towards after being forced to pay as guest i showed the bank statement on XX/XX/21 that had yet another fraudulent name posting to the debit on my account. Paypal can not locate this because they provided separate names for each stage of this transaction. I contacted paypal the exact date of the order being placed and was advised that I HAD TO WAIT FOR THE AMOUNT to PROCESS AND POST to my account, despite having immediately notified them that i was re-routed to this donation page. Then i could not make a claim because it stated that donations are not eligible. I tried to explain the fraud, they even have a statement, and i sent in proof that i was attempting to pay for goods not make a donation. They brushed me off. Additionally, they told me i had to go through my bank ... .which is what i did, they refused to talk to each other, and sent my to consumer finance, where i have been yet again ignored, and case closed despite having supporting documentation entirely. If this is not resolved, i would like more information on consumer attorney.
Consumer complaint received 2022-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, ERC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
ERC Account XXXX : XXXX XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
ERC Account XXXX : XXXX XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (VT)

XXXX, My name is XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX I have an issue with my funds with my direct deposit from social security XXXX and XXXX money not being released to me from my bank. 

They now put a no trespass order on me. 
I didn't deserve this. Is there any way to remove this? 

Now with today 's deposit XX/XX/22 from XXXX XXXX XXXX XXXX XXXX 

For the last two months now at the bank listed below. 
Citizens Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Of {$860.00} plus XXXX {$53.00} Times XXXX. This month & last months. 
{$1800.00} I live off this money, I need it to survive. 
I am homeless in a motel called XXXX in XXXX XXXX XXXX.XXXX VT  XXXX. 
Where the windows just pop in and out and it is not a safe place. 
I need this money. 

( I did fax Social Security about two in a half weeks ago, plus yesterday, I don't know why its not updated! ) ( tears ) Please send my payment to ; XXXX XXXX XXXX XXXX XXXX XXXX VT, XXXX please, and thank you, XXXX XXXX XXXX
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: CORELOGIC INC (WA)

Late XX/XX/XXXX " Corelogic/XXXX '' received my request for a security freeze on my consumer file and a release of my report to be mailed to me. 
They complied with half of that request, I have yet to receive my full consumer report. All I want is to have my report sent to me.
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NC)

I opened an Delta Skymiles-American Express credit card clicking a prompt that came up on the delta website that said it offered XXXX bonus miles and XXXX dollars off of statement if I spent XXXX dollars in the first 3 months. After my application, I didn't receive my card. It looks like I applied for the card on XX/XX/XXXX, and didn't receive the card for months after that. Because I have a life, I forgot about it and contacted the company in XX/XX/XXXXto check the trajectory of my card. They said they sent it, I didn't receive again, in three more trials I finally got it. I started using the card as soon as it arrived and spent XXXX dollars in three months. While I was expecting to get my miles this month, they say because I didn't spend XXXX until XX/XX/XXXX, they can not give me those miles. 
I think they delayed the delivery process in purpose and did not inform me that the date of three months started the moment I applied for the card. Basically by the time I received my card, there was no point to using it already.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MD)

This is a followup complaint to the original submission on XX/XX/22 with BSI financial. I have still not heard from them, and as of today XX/XX/22, my county government still has not received escrow payment from them.

Since my original submission, I have talked to a real estate attorney and housing counselor. I have contacted my district 's councilman.

They all told me to file complaints to other agencies. The housing counselor is suspicious that BSI is using 3rd party paper checks in this day and age and that BSI could not provide me a tracking number of the check when asked. 

If you look at their online reviews, they are all negative. Interestingly, there are a lot of reivews asking if the place is hiring which is also strange. 

I have been instructed to submit these new complaints and report to local authorities about possible money laundering.
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/18 I called Chase Freedom to ask for help in lowering my payment or my interest rate. I have a large amount of debt and am struggling to even make the minimum payments, which are all going to interest. I have had this debt for multiple years along with another large credit card from another company and now a car loan payment. They said that they could possibly help me. They asked me a ton of questions about my income, my monthly payments, my utilities etc. XXXX seemed to want to help and said he could get me a lower interest rate and payment and even set a date for payment. He then put me on hold and when he came back, he said he couldn't help me. He said his manager didn't give him an explanation but that he could not help. He suggested a debt consolidation company and ended the conversation.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IN)

I have tried to fix this with XXXX XXXX as well as chase bank. I am owed over XXXX dollars from XXXX XXXX for 14 games that I never purchased. These were fraudulent and unauthorized charges that I need to get my money back for since I am not the one that purchased these in the first place. The chase bank account is already closed so it will need to be provided to me a different way.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Foris DAX, Inc. (OK)

LOST EVERYTHING IN CRYPTO.COM!! 
'Coordinated Price Manipulation Through Derivatives Market Abuses! ' cause me to get scared of losing money so fast that I sold at a loss, again and again being bullied out of Positions in all manner of Cryptocurrencies. 

PLEASE MAKE THEM STOP!!! 

PLEASE HELP!! 

XXXX XXXX XXXX XXXX