davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XXXX continues to contacted me XXXX x consecutive times during work hours and told them to contact me after XXXX XXXX for a Capitol One credit card for {$330.00}. XXXX have failed to protect my rights so I am requesting them to cease and desist since they are in current violation of my consumer rights. 

Debt Collector Information : XXXX XXXX ( Representative : XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (IL)

My loan was signed by XXXX at XXXX. I was given an " Application & Disclosure Package '' PDF that includes " Notice Concerning Private Mortgage Insurance Initial Disclosure - Fixed Rate Mortgages '' that states I 'm eligible to have PMI removed on " The date the principal balance actually reaches 80 % of the original value of the property ''. 

This was a 30 year fixed rate conventional mortgage. I occupy the property. It 's a XXXX unit property. 

After reaching 79 % LTOV I called US Bank, my loan servicer, to start the process of removing PMI. The original phone guy I spoke to verified I was good to go and said he would send me some snail-mail about how to start the process. 

I received a letter from US Bank containing " Guidelines for Private Mortgage Insurance Cancellation ( Multi-Family and/or Investment Properties '' that says I must reach 65 % LTOV ( contradicting the 80 % in my disclosure from XXXX ). It also says I am never eligible for automatic termination of PMI ( which is also a contradiction to the disclosures sent by XXXX at XXXX- although it 's not affecting my situation ) When I called US Bank to straighten this out, after some phone tag to get to the right department, they said they do not have the documentation for my mortgage so can do nothing, but the will try and find it in their document center, which can take a week ''
Consumer complaint received 2016-09-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (MI)

We had a principal balance of {$18000.00}. We paid nearly {$25000.00} over 4 years. Despite paying principal and interest, our 2008 XXXX XXXX vehicle was still reposessed. We are out of {$25000.00} and a vehicle. To make matters worse, Santander auctioned the vehicle for {$4000.00} and is now asking us for an additional {$11000.00}. Santander has been paid nearly $ XXXX on an $ XXXX loan, and still wants $ XXXX. This is predatory. If it is not criminal, it should be.
Consumer complaint received 2022-07-21
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. (TN)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate the remaining disputed account in my credit report. As of todays date, Equifax and XXXX have not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-06-13
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. (LA)

I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. 

These Inquiries are unfamiliar to me and I was told to let you know about them. Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act. 

ALL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX XXXXN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2016-07-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (PA)

The auto finance company has filed Civil Court documents against buyer and co-buyer after the company received Complaint 's about code of ethics, and compliance issues. Relating to customers especially directly effecting said account, the complaint have Harassment, discriminatory behavior, fraud, Trickery, etc. Over a " supposed closed account '' This is over the years ; continued to current, In that time payments continued, programs continued on the account. Office Of The President was worked with, Vice President, Assistant Vice President. Individuals have used persuasion through use power and Title positions with direct statements attempt to drop complaints. They prematurely Place the account for closed on XXXX Credit bureau in XX/XX/XXXX-XX/XX/XXXX, The Account was opened XXXX XXXX and Without reason Notification the Account was with a balance of XXXX closed via XXXX XXXX XXXX status CLOSED DEROGATORY CHARGE OFF AS BAD DEBT, Open XX/XX/XXXX- XX/XX/XXXX.This was not seen on XXXX until XXXX XXXX when major problems arise. The vehicle remained in possession of loan with payments entire time until date. Year XXXX Payment programs and arrangements were on the account, special programs where on the account lowers interest etc. many ethical complaint Santander would not accept mail in payments on the loan because they would not identify the loan or assign an alternative to not charge XXXXfee this created the account to cost more than others as the account payments are processed through automatic system. After months of attempting to resolve an Account manager was assigned to process payments, this was successful until the manager failed to follow up in the account as specified by the manager he was to be the contact even after several calls to him and his co-workers it appeared Santander has a plan. Then in XXXX XXXX attempted to illegally repossess, they did not follow proper attempts to send agents per contracted program that was in effect for the vehicle attempt there was much safety issues created which the company was either intentionally directly or indirectly involved which cause was poor intended incidents harm situation during the process. The company assured an account investigation, among other investigations, which nothing happens. They actually took the credit reporting from one source of reporting and moved to another XXXX XXXX, and move to XXXX and closed that account still addressing no ethics concert this included Investors, CEO, CFO, Presidents. Instead the company retaliated with a Civil Division when no notification was ever given and no statements on the account have been received since they stated not to on XXXX XXXX, XXXX. The civil paperwork is dated XXXX XXXX, exactly 1 month and 18 days after moving the credit reporting around. And no contact whatsoever after they were working on settlement until they were aware that they fraud credit reporting. As well they also at that time where full aware of incidents of poor and harmful incidents.
Consumer complaint received 2017-04-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (ME)

I have a variety of Federal & Private loans for myself & also Parent-Plus loans for my son. ( my ex-husband refused to co-sign or help ). These loan balances now exceed {$80000.00}. I am XXXX years old & this loan balance exceeds my annual income. Navient is the current loan servicer for ALL loans. I went back to school " online '' to finish my degree when I was XXXX & my children were graduating high school, which I never had time to do, working full time & raising my family. Like a mortgage loan ( & these are often just as much & certainly more risky ) these loans did NOT qualify me to be actually able to repay them. How can these loans be given so freely, when the repayment is worse than federal taxes?! The money is given too easily. I was not then & certainly not now qualified or able to repay all of this debt. The Federal government should reduce the interest to zero & cut balances in half to prevent a certain national financial crisis, which will be just as bad as the XX/XX/XXXX mortgage catastrophe. I graduated in XX/XX/XXXX, right before the " crash ''. I was unemployed for two years & then finally took a salary of $ XXXX in XX/XX/XXXX. By then, I had used my savings & took withdrawals from my IRA to pay bills & student loans. the 401K should have a loophole to remove penalty & taxes if used to pay these loans down. The Government has far too many restrictions. I had to have deferments & interest only payments resulting in ever increasing principal balances & higher future monthly payments. Since then, now ALL Of my savings are gone, my IRA is further depleted. My loans are all on forbearance yet again. My future is bleak. As a consumer & provider for my family & myself my retirement will be non-existent & future is so very restricted. These repayments are ALL wrong. The parent-plus loans should be REMOVED from my social security #. This is NOT right. There should be an age limit, when ALL loans are to be forgiven such as 60 years of age to allow recovery. THE US GOVERNMENT wastes money on frivolous travel, expenses & overseas projects. These loans should NOT be a source of revenue. They are damaging lives & the economic stability of the Country. The so-called repayment plans are worthless.
Consumer complaint received 2020-06-13
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. (MI)

Recently, On my XXXX  report, I disputed the two XXXX XXXX XXXX trade lines.The two closed account have separate account numbers.I disputed both closed accounts for incorrect information and requested both be deleted from my XXXX  report.On XX/XX/2020, I recieved the results from the dispute from XXXX and both XXXX XXXX trade lines was deleted as I requested.The Two XXXX  XXXX XXXX trade lines on my Equifax report are showing closed and Im requesting the two trade lines be Deleted as .Therefore, Im requesting the two XXXX  XXXX XXXX  trade lines/accounts be deleted/removed from my Equifax report
Consumer complaint received 2022-07-21
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. (LA)

I have submitted several letters to all 3 credit bureaus- Equifax , XXXX , and XXXX disputing this Account with XXXX XXXX XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this UNVERIFIABLE and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus AND XXXX XXXX for reporting false information on my credit report AND defamation of character. I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2015-12-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX 2015 I rec 'd a letter stating that as part of a lawsuit my second mortgage was being forgiven by Bank of America. It was to be effective XXXX 2015. The account has been removed from my banking and I do not have access to it anymore. However, I called to get a letter of release in order to sell the property and I was told I would have to wait 30 days. I waited more than 30 days and called back. This time I was transferred to a nthe new department. This rep stated that there is a 90 day waiting period before the letter of release will be mailed. The 90 days expired XX/XX/XXXX. I called back and was advised that this letter of release could take 1 week-10 months to receive! The property is currently under contract to be sold and we can not close until this letter is filed. It has taken over a year to get a contract on this property and we do n't want to lose this buyer. If we can not close with this buyer we will be forced into foreclosure!
Consumer complaint received 2022-07-21
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-13
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: ERC (FL)

HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE!

THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (TX)

Signed up for Kabbage checking account offering a {$300.00} cash bonus if terms are met. Met the terms of the promotion. Account was then locked for security reasons for several weeks. After hours and hours on hold I finally got Kabbage to unlock the account and confirm that I met the terms of the {$300.00} cash bonus. Said that due to an " error '' the {$300.00} would need to manually credited. 

The bonus has still not been applied to the account and I'm afraid to use the checking account because it was locked for no reason. I can not get anybody in customer service to respond to me either by email or by phone. When I call the phone, I wait on hold for 30-60 minutes and then am automatically disconnected. This is the worst, most disorganize, most understaffed bank I've ever dealt with. Give me the {$300.00} bonus I am due, per your own promotion terms. 

This promotion is STILL BEING ACTIVELY ADVERTISED HERE : https : //www.kabbage.com/checking/
Consumer complaint received 2017-03-25
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

Leased car through Toyota financial services. At end of lease, bought the vehicle. During the time between end of lease and processing of purchase, the account kept posting new payments. TFS told me twice on phone that I did n't need to make those payments. Now that account shows as 30-60 days past due on my credit report. TFS never answer phone ; automated system says account associated with my information is closed and for unforeseen reasons, no customer support person is available to answer my call. Need the negative information removed from credit report as I never delayed a payment except when TFS told me to not make one. Disputing with credit reporting agencies has yielded nothing either.
Consumer complaint received 2022-05-16
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: EQUIFAX, INC. (TN)

I received a denial from XXXX on a credit cart application. I contacted XXXX  and they told me that seone had applied using my driver 's license number and an XXXX email. I do not have an XXXX ail account. It resulted in an inquiry on credit. I did not apply for this. XXXX advised they could notify the credit agency to remove the inquiry. They advised me to call my local DMV because they used my license number. I did that. They also told me to come to this website to report it as a potential ID theft attempt. Thank you so much. XXXX XXXX
Consumer complaint received 2020-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION (LA)

On XX/XX/XXXX I received an email from my bank ( Santander ) informing me that my landlord did not cash my XXXX  rent check and they returned the funds to my account. When I paid my XXXX  rent using Bill Pay, like I normally do, they sent my landlord her XXXX payment as well as the check from XXXX. She received both checks XX/XX/XXXX. Naturally she was confused, so she called my bank and they told her that she could not cash the XXXX check because the funds had been returned to my account. I called Santander to find out why they had sent her the XXXX  check instead of returning it to me and why they had given her my account information ( the funds being deposited back into my account ). Basically their reaction was " Whoops ''. I feel that my privacy was violated by sending her that check and telling her that the funds had been deposited back into my account. I was told that the check was sent back to her because that's the only address they had. I find it very difficult to believe that a bank I have been doing business with for over 20 years does not have my address.