davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX an amount or {$160.00} which was a duplicate of the last tranaction that was successfully transferred to my daughter the previous day was withdrawn from my bank account XX/XX/XXXX again another {$160.00} then again on the XX/XX/XXXX an additional {$160.00} was deducted through XXXX XXXX XXXX XXXX  XX/XX/XXXX {$350.00} was taken unauthorized like the above mentioned amounts. When notified Santander they went through the process of telling me it was a 3rd party transaction and therefore they are not responsible for these unauthorized transactions. 
I have sinced closed this account. 
On about XX/XX/XXXX my husband became a victim of fraud with these transactions to both debit and credit cards, he at this moment has no financial identity because again yesterday XX/XX/XXXX in an account he had established for his godchild that was transferred from Santander now with XXXX has been being tamped with throughout the month with a withdraw as late as XX/XX/XXXX. 
We are beside ourselves and although all of the institutes that were effected the only one that hasn't reimbursed the funds in the amount of {$830.00} is Santander. Please help get my funds back and also pervent this fraud as my husband has no clue on what to do besides eliminate credit/debit card usage and prevent access to credit reports. 
please contact me at the information provided in my subscription to CFPB.
Consumer complaint received 2015-05-19
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I had a loan thru credit acceptance corp, IN which I had full coverage insurance thru XXXX insurance company, I also paid {$800.00} For GAP INSURANCE coverage to cover what XXXX did not pay.XXXX Claimed the XXXX XXXX was n't worth but {$3000.00}. GAP insurance only paid {$1500.00}, it states in my documents that it would cover what ever was owed, I GOT SCAMED! THE PRICE THEY FINANCED WAS {$7900.00}
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified " that I have disputed Please resolve this manner as soon as possible Thank you
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc. (NE)

Hello, I am reaching out to get more information about a debt so that I can be fully informed. I have recently pulled my report and see this debt collector furnishing a derogatory account on my report ultimately tarnishing and ruining my reputation. They are also prohibiting me from extending credit as well. 

I am asking for this company to comply with the information in the attached document so that I can be fully aware of this debt to better help me make an informed decision about my next steps with this debt.
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

TransUnion and XXXX are not putting down in my credit report the history of my mortgage payment with XXXX XXXX I have this mortgage since XXXX XXXX have never been late on a payment and XXXX XXXX claims they 're reporting to the credit bureau which I do not believe.I went to one branch in XXXX last Thursday and lie to me in my face. In XXXX I filed Chapter XXXX I finish 2 years ago so Iam trying to rebuild my credit but XXXX XXXX it 's holding me back.please help me. Sincerely yours XXXX XXXX. Account number with XXXX XXXX XXXX.
Consumer complaint received 2016-03-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (VA)

We need our : YEAR END TAX STATEMENT. We have not received it yet, from Roundpoint Mortgage Servicing Corporation. 
We called on XXXX/XXXX/16, We were told : in 3 business days, but we did not receive anything. We called again on XXXX/XXXX/16, left and message to be called back but never received a call. We called again on XXXX. XXXX, 2016. In desperation, we tried to set up an online account and were absolutely unable to do so. We also sent a certified letter a few days ago.
Consumer complaint received 2020-10-19
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

Ocwen Loan Servicing, LLC- took over GMAC Loan Servicing the prior servicer of my Mortgage. Ocwen sent a Loan Modification form to me to be completed as of XX/XX/2013. 
However, Ocwen does not live to the promise of the modified document. 
1. Ocwen increased our principal or the balance owned from {$58000.00} to {$84000.00}. 
2. Ocwen does not waive the past late fees, past balance and all the attorney fees as promised during the modification. 
3. Even we made 39 payments after the modification documents, ocwen have already file for foreclosure on us. The Interest rate is higher than the current rate. 
4. I called Ocwen Ombudsman office I spoke with XXXX XXXX and I have explained to him that " Ocwen did not sign the Modified document and did not respect their promises so ; we need a new modification with accurate amount. But, Ocwen fails to do it. 

I do need help to resolve this issue before Ocwen repossess my property Please Help. 
Thanks, XXXX XXXX, XXXX and XXXX XXXX XXXXXXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX TEL. XXXX
Consumer complaint received 2016-09-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

OCWEN loan mortgagee used deceptive practice for communication purpose in order to foreclose my property and extract money from me. They used fake address to show that they have send all communication and those fake address not related with me in given period. i HAVE MADE SEVERAL ATTEMPTS WITH THEM TO RESOLVE the issue but they failed to resolce issue
Consumer complaint received 2022-09-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I am the probate and power of attorney for my aunt XXXX XXXX, She passed away in XX/XX/2021. My probate lawyer sent them correspondences in XXXX XXXX XXXX, XXXX and XXXX and they have not responded and will not release the money. Everything has been done and money should have been released but they will not respond.
Consumer complaint received 2016-04-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (DE)

M & T bank is profiteering and gouging its customers by charging fees for basic industry standard services that are available elsewhere for free. The current industry standard way to connect XXXX software running on a customer computer to a bank 's system is via XXXX XXXX. This is replacing the old XXXX method. All the other banks have changed over to this method and is offering this industry standard method of connection for free, except M & T who wants to charge $ XXXX/ month to use this industry standard method of connecting and downloading my banking transactions with them.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 by certified mail # XXXX I requested TransUnion to conduct a INVESTIGATION on a bankruptcy filed on my credit report. They put in the data furniture as being the XXXX XXXX XXXXXXXX XXXX XXXX XXXX, which is FALSE. I have attached a letter from the XXXX Bankruptcy XXXX XXXX XXXX XXXX verifying and stating that they do not furnish information over to the credit bureau or any credit monitoring service, nor they validate any information concerning bankruptcies. On TransUnion response, they stated that this information is validate and correct, which is false. 
TransUnion had violated my rights under the Fair Credit Reporting Act, 603, 605. 
They are reporting inaccurate information, and fail to legally verify this information, and provide documentation. 
As a supporting document, I also attached my XXXX report showing NO BANKRUPTCY on my credit file.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NJ)

CB/XXXX  is reporting a few late payments on my credit file. These lates are for the months of XX/XX/20, XX/XX/20, XX/XX/20. Since the beginning of the pandemic i was out of work and on unemployment. I struggled to make ends meet for a few months and then i lost control of everything. I had now started working again and have been able to make my payments on time. The pandemic has been hard as is and getting COVID made it 10 times worse. I am pleading that you remove these lates from my credit file. I am trying to obtain financing and these lates are affecting me. It was out of my control to make those payments as i was on unemployment and still had to provide for my family.
Consumer complaint received 2015-09-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (CO)

On XXXX/XXXX/2015 I sent a letter to Central Financial Control informing them they were violating my rights afforded by FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as " OPEN '' and requested they correct their reporting. 
As of XXXX XXXX, 2015 I pulled my credit reports and Central Financial Control has not updated the status. 
This incorrect reporting is causing harm to my creditworthiness through several scoring models and needs to be removed. 
This was medical debt that should have been paid by insurance, that I did not receive any notice of until it showed on my credit report. I immediately contacted the company and paid the debt, yet it still continues to show as an open and active collection account with a {$0.00} balance.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Acra Intermediate Holdings, LLC (CA)

I received a phone call from XXXX, a rep of the Loss Mitigation department of my lender, Citadel Servicing Corporation, on XX/XX/2022, informing me that he had received notice from upper management that Citadel has finally signed up to participate in the California Mortgage Relief Program. 
I immediately contacted the XXXX rep and shared the great news and also requested for my application to stay active so that they could contact the servicer. 
However, on XX/XX/2022 I received another phone call from the same representative that advised me that Citadel has decided to not sign up for the program and therefore, my application will probably become inactive. 
Today, after numerous attempts to get a straightforward answer, Citadel 's Consumer Advocacy rep, XXXX XXXX XXXX, confirmed that the upper management at Citadel has decided to not sign up for the California Mortgage Relief Program. 
I informed Citadel that I will report this incident to multiple watchdog government agencies as this shady conduct from Citadel has become all too familiar. 
Furthermore, Citadel stated in a past correspondence that I owe about XXXX for the forbearance period I was placed under during the XXXX XXXX shut and lockdown. However, the correct amount for the XXXX months of forbearance I was approved for and also have a written contract for is {$50000.00}. 
Currently, I have sent in the Loss Mitigation Package for their review and am also actively working with a new lender to move my loan from this horrible banking institution. 
I have also requested multiple times in writing to please be informed on who is currently the owner of my loan. 
Unfortunately, I have not been given any information.
Consumer complaint received 2020-06-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (WA)

We are working with multiple vendors but one specifically have been having difficulty with. Cross Country Mortgage will not give us an accurate Loan Estimate even after filling out their application and providing additional information like number of accounts and balances. I tried following up with the Loan Officer and he gave a Loan Estimate with a XXXX XXXX interest rate and would not provide an accurate rate based on verbal conversations until we agreed to move forward. 

We have found this loan officer to be pushy, and difficult to work with but feel its important that others do not fall into a trap based on not having transparent information upfront before moving forward with a loan and getting locked into something.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (NV)

On XX/XX/XXXX I was making normal stock options trades and ending the day profitably when I get an email from Robinhood saying my account is restricted due to " unusual account activity ''. 

Nothing about my activity was unusual. I immediately called the customer support and spoke to XXXX who sent me a link to upload my identification, a selfie, and a bank statement. I provided all requested materials happily. 

XXXX said that even though I provided everything correctly my account would still be restricted for a few days.

I wait 2 days to no changes. I call back on the 6th and it is as if there is no record of my previous conversation or the uploaded demands. I do it again and the representative tells me the same story. It will be 4-5 days.

It has now been over a week and every day the banned telling me my account is restricted changes the date to expect it to be resolved. On the 5th it said by the 6th, now it is the 10th and it says by the 11th. Meanwhile the instructions in the emails do not reflect the options in the app, they tell me to find a " Action '' button that is not there.

I am filing a complaint because after researching Robinhood 's habit of freezing client accounts I now know that they will happily lock accounts and throw away the key, with no recourse or expectation of resolution. I am nipping this in the bud, I need my money, I trusted Robinhood to act as my bank and my broker, and it's failed both.
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

I have placed an initial fraud alert with the credit bureaus since I have been the victim of identity theft. Experian will not give me a credit report for free as the victim of fraud. They either direct me to a page to pay for my report or to XXXX.com. Since I am the victim of fraud I am due a free report without using my free annual request.
Consumer complaint received 2022-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TX)

My loans were fully paid back in XX/XX/2013 per confirming with IRS and tax records as well as verifying through the Navient record portal however this company is committing fraud by reopening my same loans which were already paid by TAX GARNISHMENT and attempting to put me in more debt I've asked several times to confirm why i would owe the same debt again for which was already paid and they can not I believe they are scamming me and selling my paid off information to other parties in order to keep me in debt I've seen them being taking to court per other states outside of Texas and i know for fake this cant be right or legal what they are doing to me i have proof of paid services and no reason or valid explanation from Navient as to why they reopened my loans.
Consumer complaint received 2022-02-14
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. (NY)

These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have an account report it as chapter XXXX an it should chapter XXXX I called To het deleted it they say they cant deleted that u have to call the company for deleted it they just can updated it for chapter XXXX an by law wrong information reporting should de deleted it
Consumer complaint received 2015-05-03
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (MI)

I opened a Best Buy credit card in XX/XX/XXXX and was granted a {$500.00} credit limit. I have had the card since that time and I kept my balance at approximately {$200.00}. XX/XX/XXXX I received a letter from Citibank who happens to service the credit card telling me that my credit limit has been lowered to {$250.00} due to information reported to them by my credit bureau. I was recently laid off from a job that I held in XXXX for 5 years in XX/XX/XXXX which is why there are slow pays on my credit bureau. This practice seems almost predatory in the sense that I had my balance at a responsible dollar amount and Citibank felt it necessary to lower my limit which now makes my utilization seem inflated. I do n't want them to increase my limit but why would they decrease it and make this line of credit hinder my already suffering credit score due to my unfortunate circumstance of being laid off from my job!
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hello, Item reported below is not mine. I was never a patient of XXXX and never paid a XXXX. Reached out to Collection Agency listed and they have no record. Not my account. 

1. XXXX, - XXXX Also, I have never provided the name " XXXX ''. That is not my name. Also, I have never provided the address of XXXX Arizona to any creditor as I have never lived at that address. Please update and remove.