davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2022 I applied for the XXXX XXXX XXXX. I received a message that they were unable to verify my identity. The email said to call customer Service. I called and explained that I am an existing XXXX customer with an investment account. The rep said she could see that I was a customer in good standing. I was told to try the application again. I got the same message that XXXX could not verify my identity. I was told that I would get a call in 1 to 3 days from someone in their back office. I waited 4 days and did not get a call or email. I called back to customer service on XX/XX/2022. I was told to reapply and wait 1 to 3 days for a call back. They said the issue is not my credit. The problem is they can not verify me. This is insane. In order to have the XXXX XXXX account they had to verify my identity. The US Patriot Act required that. Obviously, they are not following the US Patriot Act. If they were then they would have verified my identity when they opened the Investment account and would not be having this issue now. I want to know what the issue is? If they can't verify my identity then there must be an issue that I need to address.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I WAS REVIEWING A COPY OF MY CREDIT REPORTS AND NOTICED SEVERAL ACCOUNTS THAT DID NOT BELONG TO ME I CAN NOT BELIEVE THIS IS HAPPENING TO ME THESE ACCOUNT ARE WITHHOLDING ME FROM PROGRESSING PERSONALLY AND MY FUTURE ENDEAVORS THEY ARE TREMENDOUSLY AND NEGATIVELY AFFECTING MY LIFE AS WELL AS MY CREDIT, I HAVE FILED A POLICE REPORT AND A FTC REPORT.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NC)

We were approved for a modification. We made the payments on time. Ocwen lost the signed documents and then Denied the modification due to " missing '' documents. They sent us a letter saying that if we made XXXX payments of {$500.00} plus dollars they would take a look at the modification for reinstatement. Less than XXXX weeks later we mailed them XXXX payments of requested amount for a Sum of {$2700.00} plus dollars, which they applied to the account. We then received a letter a few weeks later saying that the amount we sent was insufficient. If we wanted a review then we had to send in XXXX payments ( so they wanted us to send 2 more payments ) by XX/XX/XXXX ( only a week from the time we received the letter requesting the additional payments ). Ocwen is intentionally trying to keep us from getting this modification, yet keep cashing our checks. Now we have received the PRE FORECLOSURE notice from them AGAIN. I tried to submit a whole new modification request and their system wont let me, but I keeping receiving letters from them offering me the opportunity.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I contacted Equifax regarding incorrect information on my credit report. As of today, I have not received a response. The following accounts are in question : The information presented on the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) needs to be investigated. I know that the original creditor XXXX XXXX XXXX XXXX XXXX CA, but I have not been contacted by XXXX XXXX XXXX. The reported Balance amount of {$5600.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. Due to these inaccuracies, I dispute the entire account and request that you verify the following dates : Date Opened and Date of First Delinquency. 

The information presented for the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$140.00} ) is also inaccurate. I understand that the original creditor on this account is a different company, XXXX XXXX XXXX, than the one you indicate. You report a higher Balance of {$140.00} than the amount I believe I owe. This information is incorrect, and I dispute this account as well. I also request a verification of Date Opened and Date of First Delinquency.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Other — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

My mother passed away on XX/XX/XXXX, and I am the executrix of her estate. When I I was cleaning out the effects in her home, I found a bill from XXXX that had a due date of XX/XX/XXXX, regarding my mother 's credit card account with them. I called XXXX customer service on XX/XX/XXXX, to notify them of her death and asked what I needed to provide them in order to manage her account ( as the executrix of her estate ). I was told I needed to take my documentation ( death certificate, short certificate and proof of identity ) to a bank branch for verification. So, I drove the XXXX mile round trip to the XXXX, Pennsylvania, branch that was closest to my home and met with the branch manager, XXXX. He took a rub of the seal on my short certificate on the copy he made of my drivers license, made a copy of the short certificate, took an original death certificate and also took my mother 's card and locked all of this in the vault. He also faxed the documents to XXXX 's collections department. At this point I assumed her account would be statused appropriately and I would get a final bill to pay from her estate. I have since received XXXX additional bills for her account, each assessing late fees and finance charges despite my in-person notification to a XXXX employee that she had died, and her account should be marked " deceased '' and written off as such. After the receipt of each bill I called XXXX customer service to ask why her account was not closed and I was still getting bills. I placed calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and was continually told I was not authorized to speak about her account even though I personally took acceptable documentation into a XXXX branch and it was visually inspected by the branch manager. I was finally told on XX/XX/XXXX that they considered me eligible to speak about her account, but I 've received a contractual charge-off statement on the account because it took them over two months to deem me eligible. Her account should have been written off in XXXX when XXXX was notified of my mother 's death, and the account should not have had the additional ( and potentially illegal ) late fees and interest assessed that they piled onto her balance.
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (SC)

SunTrust has committed multiple violations of the mortgage servicing rules in regards to an application for a modification made on behalf of my client. Those violations are described in detail in the attached documents. 

XXXX XXXX, XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

Hello : The issue I am having with XXXX XXXX XXXXXXXX is not actually a credit reporting but actually, being reported to CHEX SYSTEMS. I have been a XXXX client for 33 years and on XX/XX/2022, there was check fraud on my account. I immediately called XXXX to report and they froze my checking account. I informed them that I had my bil lpays scheduled to come out that evening and the day next and they reassured me that all bil pays would be paid from the " fraud '' account. I went to a banking center to open a new account. Starting the next day, my online banking showed my scheduled bill pays being returned for insufficient funds! I then called and was told that they did not honor these and I had to rebuild all my bill pays from the new account which took me hours. Needless to say I was receiving fees and returned payment notices and had to pay 4 bills double. Since then - now 5mths later, have had to call their fraud dept and online banking to request proof that my payments were paid thru the fraud account or not. I have called every 2 weeks for 5mths and never receive anything. I was REASSURED by XXXX that the frozen fraud account, which was overdrawn '' would NOT BE REPORTED to any agency until I would clear this up. Well, I had to pay the overdraft but they reported me to CHEX SYSTEMS anyway and after dealing with the branch, the departments and escalated to their Market Manager they are REFUSING to remove me from Chex Systems even though the account has been paid back by my own funds. I would like to have XXXX remove me from CHEX SYSTEMS. Thank you.
Consumer complaint received 2017-03-15
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Mortgage Research Center, LLC (IA)

My ex-husband is in the process of obtaining a home loan with Veterans United Home Loans to finance the home mortgage in his name only since it is currently financed only in my name. His mortgage company has requested I sign a form in order to get the payoff on the mortgage, which I originally refused to sign. The form is a standard form which also includes an authorization to release credit information. I stated the loan he 's applying for is not in my name, and they do n't need me to sign this. However, after many attempts at sending another form my attorney drafted, giving my verbal authorization, and leaving voice messages, I finally signed the form just so he would get the loan financing done and out of my name. However I do not feel the company should be requiring me to sign a standard form letter that does not apply. Please research and respond. Veterans United Home Loans - Loan # : XXXX, Borrower Name : XXXX, Loan Officer : XXXX ; NMLS XXXX ; ph : XXXX
Consumer complaint received 2016-12-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: HANCOCK WHITNEY BANK (AL)

Whitney Bank refuses to provide a XXXX letter of a promissory note sent to me in XX/XX/XXXX that accelerated the beginning of the statute of limitations at that point, They are now stating that they can not find the demand letter and that it does not exist while suing me for the promissory note deficiency and claiming the Demand/.Acceleration letter was never sent. They have however furnished every document that is pertinent to their claim. We have an internal ledger that states the demand was sent in XX/XX/XXXX. I need to compel the bank to furnish the XXXX
Consumer complaint received 2022-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (NY)

Due to the pandemic, we were a couple of months behind on our mortgage due to a lack of full-time work. This eventually led to late payments and an accumulation of late fees that were overwhelming to pay off to FlagStar. After multiple attempts in refinancing our mortgage we were turned down and left to simply suffer the consequences of handling the burdening monthly payments to the best of our ability. At the moment, we still currently remain XXXX  months behind on the mortgage as we continue to climb back towards some degree of stability.
Consumer complaint received 2017-02-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Santander Bank did not send my XXXX. They told me I could not receive another until XX/XX/XXXX. They said it was mailed XX/XX/XXXX ; however, it does not take more than two days to send and receive mail from within XXXX.
Consumer complaint received 2019-02-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (CT)

On XX/XX/XXXX A letter was sent to me in an attempt to collect money to a closed account. 
The account was closed by PayPal on XX/XX/XXXX. 
I do not know of this account PayPal Credit is referring to XXXX. 
The money that PayPal credit is trying to collect is a third party collection. 
Synchrony Bank is the creditor PayPal Credit is the collector PayPal is some how included Since My PayPal Account is closed I have no way of disputing these false charges. 
These Companies also are not licensed in the state of Connecticut as banks or as collection agencies.
Consumer complaint received 2020-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Message : Hello! I am bringing to your attention my case against coinbase.Basicaly i have both wallet and main account with them.I hold some cryptocurecies with them witch i hope of some profit later in the years to come.Reason i have contacted you is because i transfered some funds from my coinbase wallet to my coinbase main account and the money never reached my account and my wallet is empty ( had an error due to some sort if miner fee, and after the coinbase customer support advise to unistall and install the app again the funds gone missing ) I tried to contact coinbase and they gave me a ticket number but instead of giving me my money back they refused to respond my emails.Please find bellow the case refference number from coinbase : Case # XXXX - transferring funds from Coinbase wallet to Coinbase I belive you are the most appropiate institution to speak in order to get my funds back! 
Thank you for your time reading this, and looking forward to your reply!
Consumer complaint received 2015-08-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: JPMORGAN CHASE & CO. (PA)

I co-sign for a private loan J P Morgan chase bank education -finance for my son back on XX/XX/XXXX. My son can not repay is loan since back because of is financial situation.I been making payments along with my husband never missing a payment.Since that time we have filed for bankruptcy and both become disabled.Sill as of XX/XX/XXXX we are not behind or missed a payment. My problem with the lender i have contacted them explaining the situation and asked the them to work with me. They only agreed to a forbearance well that just tact 's on additional interest. I asked for a lower interest rate i was denied i asked for any ideas they may have none. Please look into this matter on my behalf and my sons Thank you Please contact for further information. I have submitted documentation on my XXXX if need be my husband can be submitted too.
Consumer complaint received 2017-05-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARS National Services, Inc. (DC)

This is an original account from  XXXX  ending in  XXXX .   The debtor,  XXXX   XXXX , is in a   XXXX   XXXX   XXXX   receiving   XXXX   and thus is not able to make payments or pay the debt at all.
Consumer complaint received 2016-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES (NJ)

I am currently a XXXX and have been since XXXX 2014. However, in XX/XX/XXXX my Stafford loans from my XXXX were taken off of in-school deferment status by my servicer ( Great Lakes ) and I was asked to resume repayment and interest started accruing on my subsidized loans, which should be interest free while I am in school. 

I have twice submitted the form documenting my XXXX status ( signed by the registrar at my current university ), spoken with Great Lakes on the phone at least 8 times, and sent multiple emails trying to resolve the situation but they still have not resolved the issue. I have been given the run around rather than people actually trying to help me. For example, I was told they could not help me because their " system was temporarily down '' on multiple occasions separated by several weeks.
Consumer complaint received 2022-02-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

My mortgage holder is XXXX XXXX  XXXX I have been making the required payments to them on time and have been making payments in the correct amount as shown on the monthly payment slips. I have copies of all of them including the checks all paid in the amount showing on the payment slips. 

For the first time last month, I checked my account on line. It indicated my payment was ONE CENT short. I then increased last month payment by one cent. I thought it was a one time occurrence. No, this time on line, the amount showed I was again one cent short, but this time the previous one cent disappeared. I have read a home can be foreclosed if the payment is one cent short for several months. If for some reason, if there was a error shown on my monthly payment slips, new slips should have been sent. I have no idea how long this has been going on. 

This is the second time they tried to pull a fast one. Unknown to me, they purchased a second XXXX  Policy, one from XXXX and one from XXXX using my escrow in hope that I could not pay the additional escrow and they could foreclose. Had to straighten that mess out myself. My home is valued at about {$390.00} and owe about {$120000.00}. 

Does this indicate financial abuse of the elderly? I am XXXX.
Consumer complaint received 2017-05-23
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: EQUIFAX, INC. (TX)

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law.      When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.     You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation  of 1681 ( a ) ( 4 ).      I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation  of Federal Law and   evidence of your willful disregard of the law.     Please be advised that under S ection 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I reques t that you do this immediately.     The law is very clear as to the civil liability and the remedy available to m e ( Section 616 & 617 ) if   you fail to comply wit h Federal Law. I am a lit igious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.     Name of Account : Account Number : Provide Physical Proof of Verification  XXXX   XXXX   XXXX  unverified account-no contract  XXXX   XXXX   XXXX   XXXX  unverified account
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reviewed my credit report from all three bureaus Transunion, XXXX and XXXX. I noticed that the report has credit inquires that I did not authorize. I am new to my credit journey and these inquires are affecting my score negatively. One inquiry from XXXX XXXX XXXX XXXX  made on XX/XX/2022. This was a pre approval I followed via email from the company and my credit was hard pulled. Another made with XXXX XXXX via website on XX/XX/2022, I followed their pre approval application and later was followed up with a phone call to come in and look at vehicle only to find out that my credit was already pulled before even arriving. I notified them of this as I am only looking around but told me it is out of their control. XXXX XXXX also hard pulled my account and even have an inaccuracy on my street address based on my report. I request you to investigate and remove the inquires as soon as possible as I will be applying for a secured pledge loan soon to build credit. Thank you
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My account with CAPITAL ONE, account number is XXXX and XXXX, should have no 60 days late on the month of XXXX to XX/XX/2021 because I have not received any forms of billing information or any notification that this account is due or something. This is not an error on my end. With that being said, sending written letters and a lot of attempts on reaching out to both Bureaus and Creditor were neglected. This should be corrected immediately.
Consumer complaint received 2015-08-18
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY (NY)

We applied for home equity loan through TD bank. Apparently, the processor left TD before we closed on loan and now new processor took over and is basically starting from beginning. We started this process in XXXX, and yet to close. The local TD branch where we initially applied is basically not doing anything to help us close. They only answer my emails or calls. I have been in touch with the loan agent every week, several times a week. I have been promised this now will be " rushed '' but we are now XX/XX/XXXX and still no closing date. I have done many hours of paper work for this and I am beyond frustrated. I am sorry I ever started this.