davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERIS BANCORP (NC)

XX/XX/XXXX. Started working with XXXX XXXX XXXX for a custom home ... XX/XX/XXXX. Prequalified for loan ( by another bank that notified XXXX XXXX XXXX ) ... 

XX/XX/XXXX. XXXX XXXX XXXX offered me 2 % discount to switch to their preferred vendor, XXXX XXXX @ Ameris Bank and agreed to pay my closing costs ( closing costs were denied with other bank ) ... 

XX/XX/XXXX. 
Ameris Bank provided a Loan Estimate with 4.0 % Interest Rate ... 

XX/XX/XXXX. 
I asked XXXX XXXX @ Ameris Bank for help and she referred me back to XXXX XXXX XXXX instead of a HUD counselor ... 

XX/XX/XXXX. 
I closed my application with other bank ... 

XX/XX/XXXX. 
Ameris Bank provided a Closing Disclosure with a 6.5 % Interest Rate ( increased 2.5 % from original estimate ) and although they read it to me on the phone they were unable to provide closing documents until a few hours prior to closing ( XX/XX/XXXX ) ... 

XX/XX/XXXX. 
XXXX XXXX XXXX started building the wrong house on my property and a stop work order was placed ... 

XX/XX/XXXX. 
Requested payoff amount from XXXX XXXX @ XXXX XXXX  with multiple emails requests and no response ... 

XX/XX/XXXX. 
Contacted random Ameris Bank Mortgage Officers and was referred back to XXXX XXXX. Contacted Ameris Bank Customer Service multiple times and my account information was unavailable and referred back to XXXX XXXX. Left message for Ameris Bank President for escalation and received a phone call back from XXXX XXXX .... 

XX/XX/XXXX. 
Work resumed on new construction and I was concerned about the timeline but XXXX XXXX ( XXXX XXXX XXXX XXXX  ) said he talks to XXXX XXXX @ Ameris Bank daily and he built about 40 homes last year ... 

XX/XX/XXXX. 
Called Ameris Bank customer service to request billing statements and loan history but its not available to customer service .... 

XX/XX/XXXX. 
Requested loan information from XXXX XXXX @ Ameris Bank / no response ... 

XX/XX/XXXX. 
Requested loan information XXXX XXXX @ Ameris Bank / no response ... 

XX/XX/XXXX. 
Requested address update and loan payoff info from XXXX XXXX @ Ameris Bank / no response ... 

XX/XX/XXXX. 
Called Ameris Bank customer service to request billing statements and loan history but its not available to customer service. Advised I was sharing information with my attorney.
Consumer complaint received 2019-12-18
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. (FL)

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2016-05-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (IL)

Son ( who is XXXX ) lived at a different address during 2013. I am XXXX, but we have similar names. 
XXXX is looking for money from him and turned it over to a debt collector. ( XXXX in 2 years, although XXXX ) For the last XXXX 9 months, they call twice a day and never say anything and just hang-up. They sent letter but figured it was a scam as I have Excellent Credit. Looked at my credit report today and sure enough, Stellar Recovery dinged my credit! I called their XXXX number and explained that this debt is not mine, that i have lived at same address for XXXX years and the address they are trying to collect for is not even in this town. My XXXX Account is current and on Auto-pay! Once again I have filed a complaint with the XXXX will also file with XXXX office for fraudulent reporting to a credit agency. Last year it was XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX @ XXXX. Took 6 months to clean up. Now this year it is Stellar Recovery, XXXX XXXX XXXX, XXXX, XXXX XXXX phone XXXX or XXXX ... Also show a XXXX address : Stellar Recovery, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX..Are these XXXX companies in bed with each other and XXXX? Seems odd that XXXX can sell old debt over and over again and XXXX innocent consumers over in the end. Should be a law against!!!
Consumer complaint received 2020-07-14
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$660.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$200.00}
Consumer complaint received 2020-07-14
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: JPMORGAN CHASE & CO. (OH)

I booked a car rental they XXXX in XX/XX/XXXX for a XX/XX/XXXX trip to Florida. The entire country shut down in XX/XX/XXXX due to national pandemic. XX/XX/XXXX I submitted a cancellation of trip and car rental. XXXX XXXX recievrd and said they would take care of it. After months of contact and no result I went to Chase Visa to discuss not receiving of credit for services. They said it is XXXX XXXX policy and XXXX XXXX XXXX not to refund. This is a national pandemic. I tried to get 50 % return of the XXXX in least or be able to use the reservation upon rebook in XX/XX/XXXX. They refused all options. It is a disgrace that the travel business will NOT take care of a customer and keep their money in a national SHUTDOWN
Consumer complaint received 2019-12-18
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified with an original consumer contract or removed immediately. 

ATTORNEY GENERAL XXXX XXXX # XXXX ATTORNEY GENERAL XXXX XXXX # XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

On XX/XX/20, I attempted to make a minimum payment of {$35.00}. I was never advised that the payment was returned because of an incorrect number entry. 

When I attempted to make the minimum payment on XX/XX/20, I learned that the minimum payment of {$35.00} attempted on XX/XX/20 did not go through. No notification was made of the failure of the XX/XX/20 payment. 

When I called on XX/XX/20 to have the {$29.00} fee for returned check ( it was an online payment ), I was told that it could be reversed. In addition, I was charged interest of {$0.00}. 

On XX/XX/20, I paid the outstanding balance of {$1000.00}. 

On XX/XX/20, I was charged an additional {$0.00} minimum finance charge. On XX/XX/20, the Customer Service rep reversed the {$0.00} finance charge but not the {$29.00} returned check fee or the {$0.00} interest charge. I also requested that the account be closed. The offer was to give me discounts for future purchases.
Consumer complaint received 2020-06-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Autovest, L.L.C. (WV)

To whom it may concern, On XX/XX/XXXX, a complaint was filed with the courts of XXXX XXXX WV. to issue a judgment for a repossessed vehicle. On XX/XX/XXXX this complaint for judgement was entered/granted to the plaintiff, Autovest, LLC Assignee of XXXX XXXX XXXX  against me ( defendant in the matter ) in the sum of {$7400.00} with accrued interest of {$3900.00}, at a rate of 14.9 % interest per annum from the date of filing or relief and the costs herein expended. This case has not been settled nor pushed for relief until 10 years later when Autovest law office issued a " Writ of Execution '' on XX/XX/XXXX to seize my property via sheriff in attempt to satisfy the then amount balance of {$18000.00} that they say we owe, this " Pracipe For Execution '' or Writ was to be kept alive for 90 days. On XX/XX/XXXX the sheriff returned for comment on this that said, " Returned. No Property Found. '' Since then, no movement for relief has been sought by either party until XX/XX/XXXX when the Autovest 's attorney issued a " Suggestee Execution '' order to garnish my wages in the now amount due {$21000.00}. This recourse is unacceptable due to the statue of limitation being up on this matter of debt collection and any actions pursuant to. Do you have any suggestions on how I can remedy this predicament or how I may protect my wages from this illegal garnishment/action? Your assistance with this matter would be greatly appreciated! I can only imagine how many other consumers are faced with the same challenges as I am with this company. 

Thank you!
Consumer complaint received 2016-07-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Data Systems, Inc. (GA)

I sent a letter to Medical Data Systems requesting debt validation and they sent me a notice from the original creditor that clearly reflects it is not a bill. I have disputed with the credit bureau and receive the blanket response that the item is valid and remains on my credit report. The notice from Medical Data Systems reflects as follows : This is not a bill. This is an itemization of your services for : it reflects hospital charges and insurance adjustments that do NOT equate to the dollar amount Medical Data Systems is trying to collect an amount that is clearly not owed.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TN)

I call credit bureau to dispute acct that 's on my file that 's not mine acct XXXX XXXX, and XXXX And XXXX, XXXX XXXX and the repasentive told me that he was n't gon na file a dispute for these items his name was XXXX I told him I have had identity theft on my file he refused to file a report I was told I need to deal with creditor on my own I do n't think it was fair.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

I was signed up for a home Refi for a Jumbo loan. My house has been appraised twice at XXXX XXXX. My requested loan is XXXX XXXX. My assets excluding home equity is over XXXX. My credit score is over 800. Despite all of this Rocket/Quicken loans has gone back on their agreement. Ive provided every document requested and given full access to my accountant. Suddenly my account was closed. The only reason I can see is discrimination based on My XXXX background. My name is XXXX XXXX XXXX. Clearly XXXX origin. I suspect this is a common Quicken loans practice. 
XXXX XXXX
Consumer complaint received 2017-01-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX XXXX XXXXXXXXXXXX To whom it may concern : Around XXXX, XXXX, I went to the branch in revere to opt-out my account to prevent incoming charges without my consent, unfortunately Santander bank, did not obey my request and they kept paying items without my consent. I previously sent a complain to you guys ( CFPB ) in reference to the violation and fraud that this bank is doing with the customers, but you did not take action of whatsoever with the bank. 

On XXXX XXXX 2016, I called again and I was assisted by a lady name XXXX and I asked her to please opt-out my account from incurring charges without having available fund to cover. She states it that my request will be in effect in the same day. To my surprise, again they did not comply with my request and they keep paying the bills without having available funds to cover them. These charges again were done intentionally just charge me over draft and sustained fees to profit themselves illegally. Within matters of 6 months, I have paid without my consent around {$930.00} just in feeds putting myself in a deficit in a monthly basics. 

These irregulating happens because you guys ( CFPB ) are not doing your job to protect customers from banks like Santander bank. They actually pick and choose what to do with the customers, they can pay charges without consent or they can stop paying charges without consent just to profit themselves. I requested long time ago to be opt-out from paying charges without having available funds, but my request was ignored and Federal Consumer Protection Bureau does not do anything to protect customers. 

Enough is enough and I want all my overdraft and sustained fees to be refunded to my account as soon as possible and I want Santander bank to complied with my request permanently. 

Please Consumer Federal Protection Bureau, act and protect your customers from banks that abuse the law under the table. 

FYI, I want you guys to investigate this bank not to send the complaint and received a response from them which will lead to nothing and they will keep doing the same. ( stealing money from customers ) Sincerely, XXXX XXXX, Your customer..
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (FL)

As of XX/XX/2020, I have sent monthly letters to JPMCB asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that JPMCB  to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Consumer complaint received 2020-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

In XXXX, I phone Sam 's Club Mastercard to close my credit card account. At that time, I was not informed that I needed to submit any follow up written letter to close the account. I assumed that the account was closed much like when you lose a credit card. 
Later that year, on the anniversary of my membership, I received a credit card statement with a membership fee of {$100.00}. I assumed that it was in error and ignored subsequent statements because I wasn't renewing the membership. 
In XXXX of XXXX, I received a letter from Synchrony Bank stating that my Sam 's Club Mastercard was in arrears. I contacted XXXX XXXX XXXX to protest and stated that I wasn't going to pay the charge as I didn't want a membership. They stated that I had to have proof that I had called Sam 's Club Mastercard to close the account. This is proof I do not have. 
In XX/XX/XXXX, I wrote XXXX XXXX XXXX asking that they resolve the matter and erase the debt. XX/XX/XXXX, I received a letter from XXXX XXXX XXXX saying that without proof of my closing the account, nothing can be done. 
I am appealing to you for help.
Consumer complaint received 2019-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MD)

I have student loans from XXXX XXXX College ( XXXX, MD ), I last attended in XX/XX/XXXX. I didn't return the Spring semester due to I was told the school was not doing the XXXX program in XXXX only in XXXX. I never withdrew from the school being that I was told the school was working on its problems to stay open. The XXXX XXXX XXXX was in the process of withdrawing their accreditation, They were made aware that the student needed to be in a Teach out. Well I live in XXXX and the Teach out was for only students in the XXXX area, XXXX was a XXXX school. The school closed in XX/XX/XXXX. I am not left with over XXXX worth of student loans and I am not able to have them discharged. I was not able to transfer credits, so I took classes that did not benefit me. I want to know what can I do to get the loans discharged. I have applied for a loan discharge 2 times. I also had contacted the State of Maryland Consumer Protection Division about the issue and the rep told me to contact Navient again. But what was the use and I had already tried twice. I can't transfer the classes, so I took out loans for absolutely nothing.
Consumer complaint received 2017-07-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NV)

I 'm curios as to why the main WF website is showing/quoting interest rates from XX/XX/XXXX when it is in fact, XX/XX/XXXX? https : //www.wellsfargo.com/mortgage/rates/
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

Please refer to Complaint numbers XXXX and XXXX. 

This is a follow up to the complaint numbers listed above. I have one additional document to submit that substaniates check number XXXX, sumitted to XXXX XXXX XXXX, XXXX, on XX/XX/2020 was written, signed and the information on the bottom, top and throughtout the check is correct.
Consumer complaint received 2020-06-22
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. (LA)

I have talked to Equifax, XXXX, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved.
Consumer complaint received 2020-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (VA)

For my account ending in XXXX, SunTrust looked into my recent claim and told me to identify the exact transactions that were fraudulent. I now have the exact amounts and dates so Ms. XXXX XXXX can file the claim on my behalf. I called and they told me they can not find the transactions listed and I have to have someone in the corporate office do it for me. 

The following transactions were NOT authorized, I am unsure who did them and they occurred when I was overseas : XX/XX/XXXX {$930.00} Electronic/ ACH Debit XXXX  XXXX XX/XX/XXXX {$790.00} Electronic/ ACH Debit XXXX. 

XX/XX/XXXX {$1100.00} Electronic/ ACH Debit XXXX XXXX XX/XX/XXXX {$330.00} Electronic/ ACH Debit XXXX XX/XX/XXXX {$1000.00} Electronic/ ACH Debit XXXX  XXXX XX/XX/XXXX {$1500.00} Electronic/ ACH Debit XXXX  XXXX XX/XX/XXXX {$790.00} Electronic/ ACH Debit XXXX 

XX/XX/XXXX {$900.00} Electronic/ ACH Debit XXXX XXXX XX/XX/XXXX {$550.00} Electronic/ ACH Debit XXXX 

XX/XX/XXXX {$2200.00} Electronic/ ACH Debit XXXX XXXX XXXX XXXX  Web Pmts XX/XX/XXXX {$790.00} Electronic/ ACH Debit XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2019-12-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: STERLING BANCORP (MO)

My husband spoke by phone with XXXX XXXX who was supposedly with Sterling Banking XXXX on XX/XX/19 about opening a {$250000.00} CD with him because they had such high interest rates ( 3 %. ) He emailed us the forms we needed to fill out and fax or email back to him. I filled out the forms because we were approaching the deadline for the 3 % rate. We had a couple of questions about the form so I called the number on the form he gave us and I got the message that the number was not valid. I thought the form was old so I looked up a current number online. I was on hold 25 minutes and while waiting, I noticed the bank was mostly located on the east coast : NY, PA, etc. The first question I asked the rep was if the fax number on the forms was correct since the phone number was wrong. He told me their forms were all filled out ONLINE, not on paper. There was nothing faxed back. I asked for the correct web address for their bank and he gave me XXXX. We then started checking : First, XXXX XXXX 's website is not " secure. '' Second, his email is XXXX  and is " international. : Third, his " bank '' is located in California. We almost sent him all of our personal information and {$250000.00} of my dad 's retirement money. He seemed so legit on the phone. Scary!