davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-07
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (RI)

On XXXX XXXX, 2016 I was contacted by someone from a Santander Bank branch in XXXX asking if I was in the state of XXXX because someone was in her branch with my account number & an ID. I immediately called the customer service number on my debit card. As I was on the phone with customer service I logged into my account & discover someone has taken XXXX separate with drawls out of my savings account. XXXX at XXXX branch {$5500.00} cash, {$2000.00} in a cashier 's check. XXXX {$6000.00} cash at another branch all in XXXX. I was connected to the fraud department. I was told I had to go to a branch location with my ID to prove I was in XXXX. All of my accounts were frozen ( checking & savings ). I had to go to the Police Station & file a report. On XXXX XXXX I inquired on the status & was told I needed to get a copy of the police report before the investigation could be completed. On XXXX XXXX I went to the police station picked up the police report brought it to my branch. It was faxed to the fraud department & I was told it would be a few days before the investigation was completed. On the XXXX I called the fraud department because I was concerned that my bills were not going to get paid & my direct deposit was scheduled for the XXXX. I was told the investigation was still in process & could n't give me a date when it would be completed. On the XXXX I called the fraud department AGAIN. I was put on hold so she could contact the investigator. I was told my money would be back in my account by the end of the week. I checked my account several times on Friday XXXX XXXX & my money was not in my account. I called yet again & was told I had to go to a branch someone could help me there. I explain the situation to the 3rd person in this branch & then was told the fraud department was closed for the day so there is nothing he can do for me. He printed my profile took my cell phone number & promised he would follow up with the fraud department in the morning & call me. I never heard from him. On XXXX XXXX I filed an online complaint with the XXXX office, I have not heard back. I contacted XXXX. They gave me the phone number to OCC. After speaking with the OCC I was told I have to contact Consumer Financial Protection Bureau. It is now XXXX XXXX. It 's been 27 days since my money was taken. I have no answers. My money has still not been replaced. I do not want to speak to another person at that bank, the fraud department or the branch. I am extremely frustrated with this whole situation & do not understand what is taking so long to replace my money. This was the banks error for allowing someone to walk into branches in another state & with draw large amounts of money out of my account. I feel I have had to jump through hoops. Prove it was n't me. Take numerous hours out of my work day between having to go to branches & phone calls. I am hoping someone can help me please.
Consumer complaint received 2022-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (AZ)

Male called me from ( XXXX ) XXXX and took approx 10 seconds to respond to me saying " hello. '' He said he was calling from " Navient. '' I asked if he auto dialed my cell phone and he said " yes. '' I advised him he did not have permission to auto dial my cell phone. He then acknowledged he was looking for XXXX XXXX about his student loans. I advised him he hadn't authenticated me and just gave out personal information. 
I then asked if he was in XXXX XXXX as his caller id indicated and he stated he was not. I accused him of violating the FDCPA and eventually he hung up on me.
Consumer complaint received 2022-01-24
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: DISCOVER BANK (WA)

We were notified of a security incident by XXXX on XX/XX/2021 that involved my discover credit card. I called Discover immediately to report the data breach and found that there was already an unauthorized charge of ~ {$150.00}. I requested Discover to close the account and to diallow the charge. The rep promised to take care of both. A week or two later I received a new discover card. I called them again telling them to close the account, and told them that I did not request a new card. I asked the rep to check the account balance and was told there was ~ {$150.00} balance on the new card. It turned out that someone at Discover not only opened a new acct for me w/o my approval, but also transferred the fraudulent charge to the new acct. I requested the rep to close the new acct and explained the history of the charge. I got same promise. Then few weeks later, I received the statement of the new card still showing the charges. I called again and was promised that all will be taken care of. I countine to receive emails reminding me the balance is due and they eventually processed the payment yesterday ( I set up automatic payment ). 
My online acct has been locked since I reported the fraud so I couldn't access my acct info anymore. This is way beyond reasonable. Please help get my money back.
Consumer complaint received 2022-08-04
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. (CA)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX  XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX  XXXX
Consumer complaint received 2022-11-17
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: SYNCHRONY FINANCIAL (NM)

In accordance with FCRA. this creditor has violated my rights under XXXX XXXX XXXX, Sec XXXX, states I have the right to privacy, XXXX XXXX XXXX, Sec XXXX ( a ), Section XXXX, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under XXXX XXXX XXXX ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose. 
XXXX XXXX BILLING ERROR XXXX BALANCE INCORRECT : ACCOUNT WAS NEVER LATE.
Consumer complaint received 2022-11-18
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX  XXXX
Consumer complaint received 2020-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

We had cancelled a Forbearance on our account on Friday XX/XX/2020, At that time we paid our balance {$7900.00} and brought our account up to date. The reason we are needing this document, is that we are in the process of trying to close on our Refinance with another company at a much much lower interest rate. 
Shellpoint Mortgage stated they would get that cancellation notice emailed to me in 1-2 days. 
I have been having to reschedule our closing date due to Shellpoint not getting our Forbearance cancellation out as they said they would. 
I have spoked to numerous people and they all now say something different or come up with another reason. 
Just this morning they're telling me it will take another 10 business days. 
I feel I've been getting the runaround and they really could care less. 
I have done all I can on my part and I'm just afraid I will never be able to see this simple document stating the forbearance has been cancelled and I will never be able to go through with my refi. 
I've read numerous reviews about this company and they all seem to be negative. Please Please look into this for us.
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: On-Site Manager, Inc. (TX)

I have this company www.on-site.com posting a judgement on my credit report. They do apartment complex screening. I have sent this company information regarding the judgement and letter from home owner involved and company still has not removed this report yet. I have also sent them information on accounts paid off by me and they never updated any information on credit report. they dont provide you with information on how to dispute.
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MN)

On XXXX different times I deposited checks for chase. XXXX I went into their location and deposited a large check. They played games and refused to give me even a penny of it. Reading prewritten statements. After XXXX days of fighting them and them admitting they were violating the expedited funds act, my lawyer and I conferenced and they released the entire amount. 

Now on Friday XX/XX/XXXX I deposited a check from my OWN XXXX account into theirs on their app. I got a notice saying it was being placed on hold. I called on XXXX and was told it was not on hold just pending. Then today XXXX  it says all XXXX is on hold not a penny available. Its a check from myself at XXXX XXXX myself. I called and got transferred and after XXXX mins I got disconnect. I called again and after XXXX hours on hold I got a person. Who read me the same blanket statements about deposit holds. He refused to remove it and blamed XXXX. I told him several times its a check from myself to myself. He blamed XXXX and wouldn't take off the hold. I asked for his supervisor. They never counter when I ask why they are violating the XXXX they just read the same statement. I asked why not even a penny was available and they said its all on hold. I recorded their phone call because they are shady. 

XXXX who told me him not allowed to record the calls but they can which seems like a violation of some law. He also admitted on video that his bank is violating the laws regarding deposits. He said that its their policy and he has to abide by it. He was making a request for someone else to call me back about it. I read off the XXXX reasons they can hold it past XXXX  days to him on video. None of those apply, new account, over drafts, emergency bank matters, reasonable cause, and checks greater the XXXX. 


They are so bad once this check clears I'm closing my account. They are not XXXX  accredited so that doesn't work.
Consumer complaint received 2020-01-02
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. (FL)

I originally started the dispute on some accounts that are negative on my report in XX/XX/2018. I disputed these Mark 's because they contained incorrect information when referencing dates and the fact that, while it was necessary who recieved services, it is not my bill. I say this because I am a XXXX   XXXX survivor and had been XXXX 6 times when emergency services had me XXXX XXXX to the nearest trauma center. The defendant XXXX XXXX XXXX XXXX XXXX plead guilty to the offense XX/XX/2018. Upon my dispute, both XXXX and Equifax were timely in their investigations and its conclusion. Both of which, followed through with my dispute by removal of them from my report. However, weeks later, Equifax then put that negative remark BACK on my report AND under a different name so that its having a greater effect. When I say contacted them, they're reasoning is over identity purposes. They're claiming that cant prove that I am me who made my dispute. When attempting to do correct this, they commended to ask me extremely vague questions that were so broad and long that there were actually any one of a number of answers that could be given and be correct and/or incorrect. No one bothered to ask or tell me what else I might could do. Meanwhile the negative remark is still very much there and causing me issue with my personal finances.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been a VICTIM of your " inquiry issue ''. 
XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX customer service would not help to take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2022-01-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

Nelnet , Inc., my private loan servicer, has recently informed me on XX/XX/XXXX that I have been reported to the national credit reporting agencies for delinquency. According to Nelnet, I am 90 days past due on my account. 

I have had every intent to pay, and have called in to the Nelnet customer support line on a recorded conversation to pay. XX/XX/XXXX I spoke directly with a representative and told them to pull the funds from my last form of payment on file. They confirmed and submitted the payment. I had also done this on XX/XX/XXXX, and XX/XX/XXXX of XXXX. I was not informed, however, that they were using a previously decommissioned bank account, which has not been in service for XXXX years at least. I was also not informed that my payments were bouncing, and only told that they were delinquent. 

As of today, XX/XX/XXXX, I have paid up to current with Nelnet and I want to contest this negative credit report because I have made numerous attempts to pay and was not informed that the representative was using a bad account. I've also tried to remove the old bank account from my file, but was told by Nelnet that they were unable to do so. This could lead to future issues if a representative erroneously uses the account. Please help me clear this delinquent credit report.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (GA)

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-17
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. (IL)

I called the XXXX credit bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I included this in my last COMPLAINT # XXXX, and XXXX and hoping that these questionable accounts will be corrected. XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$430.00}
Consumer complaint received 2022-01-24
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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-08-17
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. (MO)

I submitted 9 disputes online and one on the phone. My student loan debit is over years old and was charged off. They recently changed the account status in XXXX preventing me from buying my home. I requested for them to remove the items they have not removed at all and keeps closing my dispute
Consumer complaint received 2022-11-17
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: ALLY FINANCIAL INC. (NY)

I went to XXXX : company name who I now see is rated F by the XXXX. So I may purchase a vehicle then submitted 1 credit application. They sent out my info to multiple lenders and gave me 6 hard inquiries on my credit without permission. I called all lenders to give a complaint and havent been responded to. XXXX hasent been very helpful. The companies whom hard inquires I did not give permission to are XXXX XXXXXXXX Ally Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Ally inquired hard on my credit 3x consent wasnt given for any of these.
Consumer complaint received 2022-08-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: U.S. BANCORP (VT)

I have purchased two vehicles from US Bank. The seller was XXXX XXXX in XXXX. Vermont. My wife and I purchased them together and we have outstanding credit and supported income. We have lived in the same house for five years. We leased a XXXX and turned it in when the lease was up. We also leased a XXXX XXXX pick up and the lease is now over. We attempted to purchase the vehicle. They contacted us and took our credit information. We took a hit on our credit score only to be told that our credit was good we are just got done paying off a 3 1/2 year lease perfectly with no missed payments. US Bank ran our credit score dropped as a result and they sent us a letter of denial saying that they could not determine our address. Our address is the same address that we have had with them for five years and two vehicles now they're telling us they can't verify our address. They have been to our house to inspect our first vehicle where it was sent back after the end of the lease. Now our second vehicle would either be sent back or purchased and as I said we decided to purchase. They're telling us now that we have to pay cash in full for the car but we wanted to finance the car which is one of the options they offer but again like I said they declined us in writing stating that our home address couldn't be verified. We have been getting mail at the same location for five years regarding both of our vehicles by them. This is terrible. It seems like a scam. I'm not sure what to do. Obviously I'm looking for another vehicle and I had to release this one for an extra two months. I'm filing a complaint with the consumer financial protection program about the treatment that I received from this banking institution by pulling my credit and my wife 's taking a hit with the credit and then being declined which is outrageous. We have very high credit scores and the appropriate money to show. I think someone there just did not like us they were rude on the phone when they were taking the credit application and then they hung up on us so I suspect that's what's going on with this decline. They can not treat consumers like this and they also can not run consumers credit having it meet all the criteria 's and then still declining us because they have a personal issue. XXXX XXXX